Card FactoryCHIX:CARDL -1.61%81 EV-to-FCF is 4.61 as of Jul. 07, 2026, which is 32% below its 10-year median of 6.77. GuruFocus rates CHIX:CARDL with a GF Score™ of 81/100 and a GF Value™ of £1.11 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 772 Retail - Cyclical companies, Card Factory ranks better than 84.72% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Card Factory's Enterprise Value is £419.3 Mil.
Card Factory's Free Cash Flow for the trailing twelve months (TTM) ended in Jan. 2026 was £90.9 Mil. Therefore, Card Factory's EV-to-FCF for today is 4.61.
The historical rank and industry rank for Card Factory's EV-to-FCF or its related term are showing as below:
CHIX:CARDl'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.12 Med: 6.77 Max: 19.35
Current: 4.61
During the past 13 years, the highest EV-to-FCF of Card Factory was 19.35. The lowest was 3.12. And the median was 6.77.
CHIX:CARDl's EV-to-FCF is ranked better than 84.72% of 772
companies
in the Retail - Cyclical industry
Industry Median: 13.76
vs CHIX:CARDl: 4.61
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Card Factory's PE Ratio (TTM) for today is calculated as:
Card Factory's share price for today is £0.6715.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Card Factory's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jan. 2026 was £0.089.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Card Factory EV-to-FCF Related Terms
Card Factory EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Card Factory's EV-to-FCF 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, DKS: EV-to-FCF Comparison
For the Specialty Retail subindustry, Card Factory's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Card Factory's EV-to-FCF falls into.
Card Factory's current Enterprise Value is £419.3 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Card Factory's Free Cash Flow for the trailing twelve months (TTM) ended in Jan. 2026 was £90.9 Mil.
* 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 EV-to-FCF of 4.61 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Card Factory and its competitors. This is 32% below median its historical median of 6.77. Over the past decade, Card Factory's EV-to-FCF has ranged from 3.12 to 19.35. According to the industry distribution chart, Card Factory ranks #118 out of 772 companies in the Retail - Cyclical industry, placing it in the top 15.3%.
Is Card Factory's EV-to-FCF too high?
Card Factory's current EV-to-FCF of 4.61 is 32% below median its 10-year median of 6.77. Over the past 10 years, this metric has ranged from a low of 3.12 to a high of 19.35. The Retail - Cyclical industry median EV-to-FCF is 13.76. Card Factory's value of 4.61 is 66.5% below this industry median. Based on the distribution chart, Card Factory ranks #118 out of 772 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 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's EV-to-FCF compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #118 out of 772 companies for EV-to-FCF. This places Card Factory in the top 15% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 13.76. Card Factory's value of 4.61 is 66.5% below this benchmark. Historically, Card Factory's own EV-to-FCF has ranged from 3.12 to 19.35 over the past decade. While the company's 10-year median is 6.77 vs. the industry median of 13.76, Card Factory has consistently been below 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 EV-to-FCF for a Retail - Cyclical company?
The median EV-to-FCF among Retail - Cyclical companies is 13.76, based on 772 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current EV-to-FCF of 4.61 is 66.5% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Card Factory and its competitors. For the Retail - Cyclical industry, the median EV-to-FCF is 13.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current EV-to-FCF is 4.61, which is 32% below median its own 10-year median of 6.77. 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 £1.11, compared to a current price of £0.67 — trading 39.5% below its estimated fair value. The current EV-to-FCF is 4.61, which is 32% below median its 10-year median of 6.77 and 66.5% below the Retail - Cyclical industry median of 13.76. Card Factory's overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Card Factory (CHIX:CARDL), the current EV-to-FCF is 4.61 as of Jul. 07, 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 £0.67 is trading 39.5% below its estimated GF Value™ of £1.11.
GuruFocus considers Card Factory to be Significantly Undervalued.
Key valuation signals for CHIX:CARDL:
EV-to-FCF: 4.61 (32% below median its 10-year median of 6.77)
GF Value™: £1.11 vs. price of £0.67 (39.5% below fair value)
Industry Position: 66.5% below the Retail - Cyclical median (#118 of 772)
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.
81GF Score
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