Card FactorySTU:0CT -2.40%79 EBITDA Margin % is 21.70% as of Jan. 2026, which is 8% below its 10-year median of 23.46. GuruFocus rates STU:0CT with a GF Score™ of 79/100 and a GF Value™ of €1.28 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,122 Retail - Cyclical companies, Card Factory ranks better than 84.31% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Card Factory's EBITDA for the
six
months ended in Jan. 2026 was €83.7 Mil. Card Factory's Revenue for the
six
months ended in Jan. 2026 was €385.9 Mil. Therefore, Card Factory's EBITDA margin for the quarter that ended in Jan. 2026 was 21.70%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Card Factory EBITDA Margin % Related Terms
Card Factory EBITDA Margin % Historical Data
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The historical data trend for Card Factory's EBITDA Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
STU:0CT vs CASY, WSM, DKS: EBITDA Margin % Comparison
For the Specialty Retail subindustry, Card Factory's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Card Factory EBITDA Margin % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Card Factory's EBITDA Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Card Factory (STU:0CT) has a EBITDA Margin % of 21.70% as of Jan. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Card Factory and its competitors. This is near median its historical median of 23.46. Over the past decade, Card Factory's EBITDA Margin % has ranged from 15.01 to 28.46. According to the industry distribution chart, Card Factory ranks #176 out of 1122 companies in the Retail - Cyclical industry, placing it in the top 15.7%.
Is Card Factory's EBITDA Margin % too high?
Card Factory's current EBITDA Margin % of 21.70% is near median its 10-year median of 23.46. Over the past 10 years, this metric has ranged from a low of 15.01 to a high of 28.46. The Retail - Cyclical industry median EBITDA Margin % is 7.48. Card Factory's value of 21.70% is 190.1% above this industry median. Based on the distribution chart, Card Factory ranks #176 out of 1122 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. Overall, Card Factory has a GF Score™ of 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's EBITDA Margin % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #176 out of 1122 companies for EBITDA Margin %. This places Card Factory in the top 16% of its industry — outperforming the majority of peers. The industry median EBITDA Margin % is 7.48. Card Factory's value of 21.70% is 190.1% above this benchmark. Historically, Card Factory's own EBITDA Margin % has ranged from 15.01 to 28.46 over the past decade. While the company's 10-year median is 23.46 vs. the industry median of 7.48, Card Factory has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Retail - Cyclical company?
The median EBITDA Margin % among Retail - Cyclical companies is 7.48, based on 1,122 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current EBITDA Margin % of 21.70% is 190.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Card Factory and its competitors. For the Retail - Cyclical industry, the median EBITDA Margin % is 7.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current EBITDA Margin % is 21.70%, which is near median its own 10-year median of 23.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Card Factory stock overvalued right now?
Based on GuruFocus' analysis, Card Factory (STU:0CT) is currently considered Significantly Undervalued. The stock's GF Value™ is €1.28, compared to a current price of €0.77 — trading 39.7% below its estimated fair value. The current EBITDA Margin % is 21.70%, which is near median its 10-year median of 23.46 and 190.1% above the Retail - Cyclical industry median of 7.48. Card Factory's overall GF Score™ is 79/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Card Factory (STU:0CT), the current EBITDA Margin % is 21.70% as of Jan. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Card Factory (STU:0CT) Overvalued in 2026?
Based on GuruFocus' analysis, Card Factory stock appears to be undervalued.
The current stock price of €0.77 is trading 39.7% below its estimated GF Value™ of €1.28.
GuruFocus considers Card Factory to be Significantly Undervalued.
Key valuation signals for STU:0CT:
EBITDA Margin %: 21.70% (near median its 10-year median of 23.46)
GF Value™: €1.28 vs. price of €0.77 (39.7% below fair value)
Industry Position: 190.1% above the Retail - Cyclical median (#176 of 1122)
No single metric tells the full story. See the STU:0CT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Card Factory PLC is a British retailer of greeting cards. The principal activities of the Company operations are as a vertically integrated, omnichannel retailer of cards, gifts, and celebration essentials. Its products are offered via stores present in the United Kingdom, as well as online through websites: Card Factory and Getting Personal. The company's revenue is principally attributable to the retail sale of cards, dressings, and gifts. The business model is vertically integrated. It has an in-house design team, a printing facility, and a central warehousing facility.
79GF Score
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