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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Card Factory's retained earnings for the quarter that ended in Jan. 2026 was €176.4 Mil.
Card Factory's quarterly retained earnings
declined
from Jan. 2025 (€164.4 Mil) to Jul. 2025 (€152.2 Mil) but then
increased
from Jul. 2025 (€152.2 Mil) to Jan. 2026 (€176.4 Mil).
Card Factory's annual retained earnings
increased
from Jan. 2024 (€126.4 Mil) to Jan. 2025 (€164.4 Mil) and
increased
from Jan. 2025 (€164.4 Mil) to Jan. 2026 (€176.4 Mil).
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
Card Factory Retained Earnings Historical Data
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The historical data trend for Card Factory's Retained Earnings 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.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
Card Factory (FRA:0CT) has a Retained Earnings of €176.4 Mil as of Jan. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Card Factory and its competitors.
Is Card Factory's Retained Earnings too high?
Card Factory's current Retained Earnings is €176.4 Mil. Overall, Card Factory has a GF Score™ of 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's Retained Earnings compare to CASY and WSM?
Card Factory's Retained Earnings of €176.4 Mil can be compared against companies in the Retail - Cyclical industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Retail - Cyclical company?
A good Retained Earnings depends on the Retail - Cyclical industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Card Factory and its competitors. Card Factory's current Retained Earnings is €176.4 Mil. 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 (FRA:0CT) is currently considered Significantly Undervalued. The stock's GF Value™ is €1.23, compared to a current price of €0.78 — trading 36.3% below its estimated fair value. The current Retained Earnings is €176.4 Mil. Card Factory's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Card Factory (FRA:0CT), the current Retained Earnings is €176.4 Mil 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 (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:
Retained Earnings: €176.4 Mil
GF Value™: €1.23 vs. price of €0.78 (36.3% below fair value)
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 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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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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