Card FactorySTU:0CT -2.40%79 Gross Margin % is 34.44% as of Jan. 2026, which is 3% above its 10-year median of 33.53. 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 1,110 Retail - Cyclical companies, Card Factory ranks worse than 57.12% on this metric.
The historical rank and industry rank for Card Factory's Gross Margin % or its related term are showing as below:
STU:0CT'
s Gross Margin % Range Over the Past 10 Years
Min: 27.84 Med: 33.53 Max: 38.94
Current: 32.38
During the past 13 years, the highestGross Margin % of Card Factory was 38.94%. The lowest was 27.84%. And the median was 33.53%.
STU:0CT's Gross Margin % is ranked worse than 57.12% of 1110
companies
in the Retail - Cyclical industry
Industry Median: 36.33
vs STU:0CT: 32.38
Card Factory had a gross margin of 34.44% for the quarter that ended in Jan. 2026 => Competition eroding margins
The 5-Year average Growth Rate of Gross Margin for Card Factory was 3.30% per year.
Card Factory (STU:0CT) Gross Margin % Explanation
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Card Factory had a gross margin of 34.44% for the quarter that ended in Jan. 2026 => Competition eroding margins
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Card Factory Gross Margin % Related Terms
Card Factory Gross Margin % Historical Data
* Premium members only.
The historical data trend for Card Factory's Gross 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: Gross Margin % Comparison
For the Specialty Retail subindustry, Card Factory's Gross Margin %, along with its competitors' market caps and Gross 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 Gross Margin % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Card Factory's Gross 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Card Factory (STU:0CT) has a Gross Margin % of 34.44% as of Jan. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Card Factory and its competitors. This is near median its historical median of 33.53. Over the past decade, Card Factory's Gross Margin % has ranged from 27.84 to 38.94. According to the industry distribution chart, Card Factory ranks #634 out of 1110 companies in the Retail - Cyclical industry, placing it in the top 57.1%.
Is Card Factory's Gross Margin % too high?
Card Factory's current Gross Margin % of 34.44% is near median its 10-year median of 33.53. Over the past 10 years, this metric has ranged from a low of 27.84 to a high of 38.94. The Retail - Cyclical industry median Gross Margin % is 36.33. Card Factory's value of 34.44% is 5.2% below this industry median. Based on the distribution chart, Card Factory ranks #634 out of 1110 companies in the Retail - Cyclical industry, which is below the industry midpoint. 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 Gross Margin % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #634 out of 1110 companies for Gross Margin %. This places Card Factory in the lower half of its industry. The industry median Gross Margin % is 36.33. Card Factory's value of 34.44% is 5.2% below this benchmark. Historically, Card Factory's own Gross Margin % has ranged from 27.84 to 38.94 over the past decade. While the company's 10-year median is 33.53 vs. the industry median of 36.33, 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 Gross Margin % for a Retail - Cyclical company?
The median Gross Margin % among Retail - Cyclical companies is 36.33, based on 1,110 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current Gross Margin % of 34.44% is 5.2% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Card Factory and its competitors. For the Retail - Cyclical industry, the median Gross Margin % is 36.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current Gross Margin % is 34.44%, which is near median its own 10-year median of 33.53. 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 Gross Margin % is 34.44%, which is near median its 10-year median of 33.53 and 5.2% below the Retail - Cyclical industry median of 36.33. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Card Factory (STU:0CT), the current Gross Margin % is 34.44% 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:
Gross Margin %: 34.44% (near median its 10-year median of 33.53)
GF Value™: €1.28 vs. price of €0.77 (39.7% below fair value)
Industry Position: 5.2% below the Retail - Cyclical median (#634 of 1110)
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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