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.
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.
Card FactoryCHIX:CARDL +0.56%80 Return-on-Tangible-Asset is 18.45% as of Jan. 2026, which is 10% below its 10-year median of 20.47. GuruFocus rates CHIX:CARDL with a GF Score™ of 80/100 and a GF Value™ of £1.12 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,134 Retail - Cyclical companies, Card Factory ranks better than 85.71% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Card Factory's annualizedNet Income for the quarter that ended in Jan. 2026 was £51.2 Mil. Card Factory's average total tangible assets for the quarter that ended in Jan. 2026 was £277.5 Mil. Therefore, Card Factory's annualized Return-on-Tangible-Asset for the quarter that ended in Jan. 2026 was 18.45%.
The historical rank and industry rank for Card Factory's Return-on-Tangible-Asset or its related term are showing as below:
CHIX:CARDl'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -5.9 Med: 20.47 Max: 54.59
Current: 11.5
During the past 13 years, Card Factory's highest Return-on-Tangible-Asset was 54.59%. The lowest was -5.90%. And the median was 20.47%.
CHIX:CARDl's Return-on-Tangible-Asset is ranked better than 85.71% of 1134
companies
in the Retail - Cyclical industry
Industry Median: 2.92
vs CHIX:CARDl: 11.50
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Card Factory Return-on-Tangible-Asset Related Terms
Card Factory Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Card Factory's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Specialty Retail subindustry, Card Factory's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Card Factory's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Jan. 2026) net income data.
What does a Return-on-Tangible-Asset of 18.45% mean?
Card Factory (CHIX:CARDL) has a Return-on-Tangible-Asset of 18.45% as of Jan. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Card Factory and its competitors. This is 10% below median its historical median of 20.47. According to the industry distribution chart, Card Factory ranks #162 out of 1134 companies in the Retail - Cyclical industry, placing it in the top 14.3%.
Is Card Factory's Return-on-Tangible-Asset too high?
Card Factory's current Return-on-Tangible-Asset of 18.45% is 10% below median its 10-year median of 20.47. The Retail - Cyclical industry median Return-on-Tangible-Asset is 2.92. Card Factory's value of 18.45% is 531.8% above this industry median. Based on the distribution chart, Card Factory ranks #162 out of 1134 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 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's Return-on-Tangible-Asset compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #162 out of 1134 companies for Return-on-Tangible-Asset. This places Card Factory in the top 14% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.92. Card Factory's value of 18.45% is 531.8% above this benchmark. While the company's 10-year median is 20.47 vs. the industry median of 2.92, 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 Return-on-Tangible-Asset for a Retail - Cyclical company?
The median Return-on-Tangible-Asset among Retail - Cyclical companies is 2.92, based on 1,134 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current Return-on-Tangible-Asset of 18.45% is 531.8% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Card Factory and its competitors. For the Retail - Cyclical industry, the median Return-on-Tangible-Asset is 2.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current Return-on-Tangible-Asset is 18.45%, which is 10% below median its own 10-year median of 20.47. 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 £1.12, compared to a current price of £0.71 — trading 36.3% below its estimated fair value. The current Return-on-Tangible-Asset is 18.45%, which is 10% below median its 10-year median of 20.47 and 531.8% above the Retail - Cyclical industry median of 2.92. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Card Factory (CHIX:CARDL), the current Return-on-Tangible-Asset is 18.45% 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 £0.71 is trading 36.3% below its estimated GF Value™ of £1.12.
GuruFocus considers Card Factory to be Significantly Undervalued.
Key valuation signals for CHIX:CARDL:
Return-on-Tangible-Asset: 18.45% (10% below median its 10-year median of 20.47)
GF Value™: £1.12 vs. price of £0.71 (36.3% below fair value)
Industry Position: 531.8% above the Retail - Cyclical median (#162 of 1134)
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.
80GF Score
Get the complete analysis for CHIX:CARDL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:CARDL has been successfully added to your 
