Card FactoryCRFCF +1.40%84 FCF Margin % is 22.23% as of Jan. 2026, which is 25% above its 10-year median of 17.78. GuruFocus rates CRFCF with a GF Score™ of 84/100 and a GF Value™ of $1.50 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,124 Retail - Cyclical companies, Card Factory ranks better than 87.19% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Card Factory's Free Cash Flow for the
six
months ended in Jan. 2026 was $100.8 Mil. Card Factory's Revenue for the
six
months ended in Jan. 2026 was $453.5 Mil. Therefore, Card Factory's FCF Margin % for the quarter that ended in Jan. 2026 was 22.23%.
The historical rank and industry rank for Card Factory's FCF Margin % or its related term are showing as below:
CRFCF'
s FCF Margin % Range Over the Past 10 Years
Min: 13 Med: 17.78 Max: 29.31
Current: 15.61
During the past 13 years, the highest FCF Margin % of Card Factory was 29.31%. The lowest was 13.00%. And the median was 17.78%.
CRFCF's FCF Margin % is ranked better than 87.19% of 1124
companies
in the Retail - Cyclical industry
Industry Median: 3.015
vs CRFCF: 15.61
Card Factory FCF Margin % Related Terms
Card Factory FCF Margin % Historical Data
* Premium members only.
The historical data trend for Card Factory's FCF 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.
For the Specialty Retail subindustry, Card Factory's FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Card Factory's FCF 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 (CRFCF) has a FCF Margin % of 22.23% as of Jan. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Card Factory and its competitors. This is 25% above median its historical median of 17.78. Over the past decade, Card Factory's FCF Margin % has ranged from 13.00 to 29.31. According to the industry distribution chart, Card Factory ranks #144 out of 1124 companies in the Retail - Cyclical industry, placing it in the top 12.8%.
Is Card Factory's FCF Margin % too high?
Card Factory's current FCF Margin % of 22.23% is 25% above median its 10-year median of 17.78. Over the past 10 years, this metric has ranged from a low of 13.00 to a high of 29.31. The Retail - Cyclical industry median FCF Margin % is 3.02. Card Factory's value of 22.23% is 637.3% above this industry median. Based on the distribution chart, Card Factory ranks #144 out of 1124 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 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's FCF Margin % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #144 out of 1124 companies for FCF Margin %. This places Card Factory in the top 13% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 3.02. Card Factory's value of 22.23% is 637.3% above this benchmark. Historically, Card Factory's own FCF Margin % has ranged from 13.00 to 29.31 over the past decade. While the company's 10-year median is 17.78 vs. the industry median of 3.02, 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 FCF Margin % for a Retail - Cyclical company?
The median FCF Margin % among Retail - Cyclical companies is 3.02, based on 1,124 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current FCF Margin % of 22.23% is 637.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Card Factory and its competitors. For the Retail - Cyclical industry, the median FCF Margin % is 3.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current FCF Margin % is 22.23%, which is 25% above median its own 10-year median of 17.78. 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 (CRFCF) is currently considered Significantly Undervalued. The stock's GF Value™ is $1.50, compared to a current price of $0.91 — trading 39.2% below its estimated fair value. The current FCF Margin % is 22.23%, which is 25% above median its 10-year median of 17.78 and 637.3% above the Retail - Cyclical industry median of 3.02. Card Factory's overall GF Score™ is 84/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Card Factory (CRFCF), the current FCF Margin % is 22.23% 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 (CRFCF) Overvalued in 2026?
Based on GuruFocus' analysis, Card Factory stock appears to be undervalued.
The current stock price of $0.91 is trading 39.2% below its estimated GF Value™ of $1.50.
GuruFocus considers Card Factory to be Significantly Undervalued.
Key valuation signals for CRFCF:
FCF Margin %: 22.23% (25% above median its 10-year median of 17.78)
GF Value™: $1.50 vs. price of $0.91 (39.2% below fair value)
Industry Position: 637.3% above the Retail - Cyclical median (#144 of 1124)
No single metric tells the full story. See the CRFCF 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.
84GF Score
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