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Card FactoryCHIX:CARDL 78 Equity-to-Asset is 0.54 as of Jan. 2026, which is 20% above its 10-year median of 0.45. GuruFocus rates CHIX:CARDL with a GF Score™ of 78/100 and a GF Value™ of £1.12 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,136 Retail - Cyclical companies, Card Factory ranks better than 64.26% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Card Factory's Total Stockholders Equity for the quarter that ended in Jan. 2026 was £353.7 Mil. Card Factory's Total Assets for the quarter that ended in Jan. 2026 was £660.9 Mil.
Therefore, Card Factory's Equity to Asset Ratio for the quarter that ended in Jan. 2026 was 0.54.
The historical rank and industry rank for Card Factory's Equity-to-Asset or its related term are showing as below:
CHIX:CARDl'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.37 Med: 0.45 Max: 0.57
Current: 0.54
During the past 13 years, the highest Equity to Asset Ratio of Card Factory was 0.57. The lowest was 0.37. And the median was 0.45.
CHIX:CARDl's Equity-to-Asset is ranked better than 64.26% of 1136
companies
in the Retail - Cyclical industry
Industry Median: 0.44
vs CHIX:CARDl: 0.54
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Card Factory Equity-to-Asset Related Terms
Card Factory Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Card Factory's Equity-to-Asset 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.
CHIX:CARDL vs CASY, WSM, ULTA: Equity-to-Asset Comparison
For the Specialty Retail subindustry, Card Factory's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Card Factory's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Card Factory's Equity to Asset Ratio for the fiscal year that ended in Jan. 2026 is calculated as
* 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 (CHIX:CARDL) has a Equity-to-Asset of 0.54 as of Jan. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Card Factory and its competitors. This is 20% above median its historical median of 0.45. Over the past decade, Card Factory's Equity-to-Asset has ranged from 0.37 to 0.57. According to the industry distribution chart, Card Factory ranks #406 out of 1136 companies in the Retail - Cyclical industry, placing it in the top 35.7%.
Is Card Factory's Equity-to-Asset too high?
Card Factory's current Equity-to-Asset of 0.54 is 20% above median its 10-year median of 0.45. Over the past 10 years, this metric has ranged from a low of 0.37 to a high of 0.57. The Retail - Cyclical industry median Equity-to-Asset is 0.44. Card Factory's value of 0.54 is 22.7% above this industry median. Based on the distribution chart, Card Factory ranks #406 out of 1136 companies in the Retail - Cyclical industry, which is above the industry midpoint. Overall, Card Factory has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's Equity-to-Asset compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #406 out of 1136 companies for Equity-to-Asset. This puts Card Factory in the upper half of its industry. The industry median Equity-to-Asset is 0.44. Card Factory's value of 0.54 is 22.7% above this benchmark. Historically, Card Factory's own Equity-to-Asset has ranged from 0.37 to 0.57 over the past decade. While the company's 10-year median is 0.45 vs. the industry median of 0.44, 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 Equity-to-Asset for a Retail - Cyclical company?
The median Equity-to-Asset among Retail - Cyclical companies is 0.44, based on 1,136 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current Equity-to-Asset of 0.54 is 22.7% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Card Factory and its competitors. For the Retail - Cyclical industry, the median Equity-to-Asset is 0.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current Equity-to-Asset is 0.54, which is 20% above median its own 10-year median of 0.45. 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 (CHIX:CARDL) is currently considered Significantly Undervalued. The stock's GF Value™ is £1.12, compared to a current price of £0.76 — trading 32% below its estimated fair value. The current Equity-to-Asset is 0.54, which is 20% above median its 10-year median of 0.45 and 22.7% above the Retail - Cyclical industry median of 0.44. Card Factory's overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Card Factory (CHIX:CARDL), the current Equity-to-Asset is 0.54 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 (CHIX:CARDL) Overvalued in 2026?
Based on GuruFocus' analysis, Card Factory stock appears to be undervalued.
The current stock price of £0.76 is trading 32% below its estimated GF Value™ of £1.12.
GuruFocus considers Card Factory to be Significantly Undervalued.
Key valuation signals for CHIX:CARDL:
Equity-to-Asset: 0.54 (20% above median its 10-year median of 0.45)
GF Value™: £1.12 vs. price of £0.76 (32% below fair value)
Industry Position: 22.7% above the Retail - Cyclical median (#406 of 1136)
No single metric tells the full story. See the CHIX:CARDL 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.
78GF Score
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