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Card FactoryCHIX:CARDL +1.47%81 ROC (Joel Greenblatt) % is 51.10% as of Jan. 2026, which is 15% above its 10-year median of 44.30. 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 1,124 Retail - Cyclical companies, Card Factory ranks better than 80.87% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Card Factory's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jan. 2026 was 51.10%.
The historical rank and industry rank for Card Factory's ROC (Joel Greenblatt) % or its related term are showing as below:
CHIX:CARDl'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: -4.77 Med: 44.3 Max: 139.66
Current: 34.9
During the past 13 years, Card Factory's highest ROC (Joel Greenblatt) % was 139.66%. The lowest was -4.77%. And the median was 44.30%.
CHIX:CARDl's ROC (Joel Greenblatt) % is ranked better than 80.87% of 1124
companies
in the Retail - Cyclical industry
Industry Median: 11.525
vs CHIX:CARDl: 34.90
Card Factory's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% per year.
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
Card Factory ROC (Joel Greenblatt) % Related Terms
Card Factory ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Card Factory's ROC (Joel Greenblatt) % 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: ROC (Joel Greenblatt) % Comparison
For the Specialty Retail subindustry, Card Factory's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Card Factory's ROC (Joel Greenblatt) % falls into.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is two times the semi-annual (Jan. 2026) EBIT data.
* 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.
What does a ROC (Joel Greenblatt) % of 51.10% mean?
Card Factory (CHIX:CARDL) has a ROC (Joel Greenblatt) % of 51.10% as of Jan. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Card Factory and its competitors. This is 15% above median its historical median of 44.30. According to the industry distribution chart, Card Factory ranks #215 out of 1124 companies in the Retail - Cyclical industry, placing it in the top 19.1%.
Is Card Factory's ROC (Joel Greenblatt) % too high?
Card Factory's current ROC (Joel Greenblatt) % of 51.10% is 15% above median its 10-year median of 44.30. The Retail - Cyclical industry median ROC (Joel Greenblatt) % is 11.53. Card Factory's value of 51.10% is 343.4% above this industry median. Based on the distribution chart, Card Factory ranks #215 out of 1124 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 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's ROC (Joel Greenblatt) % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #215 out of 1124 companies for ROC (Joel Greenblatt) %. This places Card Factory in the top 19% of its industry — outperforming the majority of peers. The industry median ROC (Joel Greenblatt) % is 11.53. Card Factory's value of 51.10% is 343.4% above this benchmark. While the company's 10-year median is 44.30 vs. the industry median of 11.53, 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 ROC (Joel Greenblatt) % for a Retail - Cyclical company?
The median ROC (Joel Greenblatt) % among Retail - Cyclical companies is 11.53, based on 1,124 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current ROC (Joel Greenblatt) % of 51.10% is 343.4% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Card Factory and its competitors. For the Retail - Cyclical industry, the median ROC (Joel Greenblatt) % is 11.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current ROC (Joel Greenblatt) % is 51.10%, which is 15% above median its own 10-year median of 44.30. 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 £0.69 — trading 38.3% below its estimated fair value. The current ROC (Joel Greenblatt) % is 51.10%, which is 15% above median its 10-year median of 44.30 and 343.4% above the Retail - Cyclical industry median of 11.53. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Card Factory (CHIX:CARDL), the current ROC (Joel Greenblatt) % is 51.10% 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 £0.69 is trading 38.3% below its estimated GF Value™ of £1.11.
GuruFocus considers Card Factory to be Significantly Undervalued.
Key valuation signals for CHIX:CARDL:
ROC (Joel Greenblatt) %: 51.10% (15% above median its 10-year median of 44.30)
GF Value™: £1.11 vs. price of £0.69 (38.3% below fair value)
Industry Position: 343.4% above the Retail - Cyclical median (#215 of 1124)
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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