Card Factory (FRA:0CT) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:0CT Card Factory PLC FRA:0CT
80 GF Score
Price €0.78
GF Value €1.23
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Card Factory Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

FRA:0CT
80GF Score
Card Factory PLC FRA:0CT
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Card Factory (FRA:0CT) Overvalued in 2026?

Based on GuruFocus' analysis, Card Factory stock appears to be undervalued. The current stock price of €0.78 is trading 36.3% below its estimated GF Value™ of €1.23. GuruFocus considers Card Factory to be Significantly Undervalued.

Key valuation signals for FRA:0CT:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €1.23 vs. price of €0.78 (36.3% below fair value)
  • GF Score™: 80/100 with 4 warning signs

No single metric tells the full story. See the FRA:0CT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Card Factory Business Description

Address Century House, Brunel Road, 41 Industrial Estate, Wakefield, West Yorkshire, GBR, WF2 0XG
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.
80GF Score

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Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.78
Price
€1.23
GF Value