Card FactoryCHIX:CARDL -1.61%81 Net Margin % is 7.64% as of Jan. 2026, which is 21% below its 10-year median of 9.62. 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 1,121 Retail - Cyclical companies, Card Factory ranks better than 70.12% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Card Factory's Net Income for the
six
months ended in Jan. 2026 was £25.6 Mil. Card Factory's Revenue for the
six
months ended in Jan. 2026 was £335.1 Mil. Therefore, Card Factory's net margin for the quarter that ended in Jan. 2026 was 7.64%.
The historical rank and industry rank for Card Factory's Net Margin % or its related term are showing as below:
CHIX:CARDl'
s Net Margin % Range Over the Past 10 Years
Min: -4.77 Med: 9.62 Max: 16.5
Current: 5.35
CHIX:CARDl's Net Margin % is ranked better than 70.12% of 1121
companies
in the Retail - Cyclical industry
Industry Median: 2.31
vs CHIX:CARDl: 5.35
Card Factory (CHIX:CARDl) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Card Factory Net Margin % Related Terms
Card Factory Net Margin % Historical Data
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The historical data trend for Card Factory's Net 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.
CHIX:CARDL vs CASY, WSM, DKS: Net Margin % Comparison
For the Specialty Retail subindustry, Card Factory's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's Net Margin % distribution charts can be found below:
* The bar in red indicates where Card Factory's Net 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 (CHIX:CARDL) has a Net Margin % of 7.64% as of Jan. 2026. Net margin is the ratio of total net income to net sales. View historical data on Card Factory and its competitors. This is 21% below median its historical median of 9.62. According to the industry distribution chart, Card Factory ranks #335 out of 1121 companies in the Retail - Cyclical industry, placing it in the top 29.9%.
Is Card Factory's Net Margin % too high?
Card Factory's current Net Margin % of 7.64% is 21% below median its 10-year median of 9.62. The Retail - Cyclical industry median Net Margin % is 2.31. Card Factory's value of 7.64% is 230.7% above this industry median. Based on the distribution chart, Card Factory ranks #335 out of 1121 companies in the Retail - Cyclical industry, which is above the industry midpoint. 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 Net Margin % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #335 out of 1121 companies for Net Margin %. This puts Card Factory in the upper half of its industry. The industry median Net Margin % is 2.31. Card Factory's value of 7.64% is 230.7% above this benchmark. While the company's 10-year median is 9.62 vs. the industry median of 2.31, 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 Net Margin % for a Retail - Cyclical company?
The median Net Margin % among Retail - Cyclical companies is 2.31, based on 1,121 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current Net Margin % of 7.64% is 230.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Card Factory and its competitors. For the Retail - Cyclical industry, the median Net Margin % is 2.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current Net Margin % is 7.64%, which is 21% below median its own 10-year median of 9.62. 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 Net Margin % is 7.64%, which is 21% below median its 10-year median of 9.62 and 230.7% above the Retail - Cyclical industry median of 2.31. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Card Factory (CHIX:CARDL), the current Net Margin % is 7.64% 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 £0.67 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:
Net Margin %: 7.64% (21% below median its 10-year median of 9.62)
GF Value™: £1.11 vs. price of £0.67 (39.5% below fair value)
Industry Position: 230.7% above the Retail - Cyclical median (#335 of 1121)
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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