Card Factory (STU:0CT) ROCE %: 16.54% (As of Jan. 2026)


STU:0CT Card Factory PLC STU:0CT
79 GF Score
Price €0.77
GF Value €1.28
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Card Factory ROCE %?

Card Factory STU:0CT -2.40% 79 ROCE % is 16.54% as of Jan. 2026. GuruFocus rates STU:0CT with a GF Score™ of 79/100 and a GF Value™ of €1.28 (Significantly Undervalued). The stock has 4 warning signs investors should review.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Card Factory's annualized ROCE % for the quarter that ended in Jan. 2026 was 16.54%.

Card Factory  (STU:0CT) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Card Factory ROCE % Related Terms

Card Factory ROCE % Historical Data

* Premium members only.

The historical data trend for Card Factory's ROCE % 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.

Card Factory ROCE % Chart

Card Factory Annual Data
Trend Jan17 Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24 Jan25 Jan26
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.38 15.89 19.43 16.86 11.00

Card Factory Semi-Annual Data
Jul16 Jan17 Jul17 Jan18 Jul18 Jan19 Jul19 Jan20 Jul20 Jan21 Jul21 Jan22 Jul22 Jan23 Jul23 Jan24 Jul24 Jan25 Jul25 Jan26
ROCE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 22.15 9.04 23.09 5.47 16.54
STU:0CT
79GF Score
Card Factory PLC STU:0CT
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Card Factory ROCE % Calculation

Card Factory's annualized ROCE % for the fiscal year that ended in Jan. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Jan. 2026 )  (A: Jan. 2025 )(A: Jan. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Jan. 2026 )  (A: Jan. 2025 )(A: Jan. 2026 )
=68.057/( ( (735.067 - 124.541) + (761.063 - 134.041) )/ 2 )
=68.057/( (610.526+627.022)/ 2 )
=68.057/618.774
=11.00 %

Card Factory's ROCE % of for the quarter that ended in Jan. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Jan. 2026 )  (Q: Jul. 2025 )(Q: Jan. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Jan. 2026 )  (Q: Jul. 2025 )(Q: Jan. 2026 )
=102.718/( ( (739.379 - 124.56) + (761.063 - 134.041) )/ 2 )
=102.718/( ( 614.819 + 627.022 )/ 2 )
=102.718/620.9205
=16.54 %

(1) 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of 16.54% mean?
Card Factory (STU:0CT) has a ROCE % of 16.54% as of Jan. 2026.
Is Card Factory's ROCE % too high?
Card Factory's current ROCE % is 16.54%. The Retail - Cyclical industry median ROCE % is 7.57. Card Factory's value of 16.54% is 118.5% above this industry median. Overall, Card Factory has a GF Score™ of 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's ROCE % compare to CASY and WSM?
Card Factory's ROCE % of 16.54% can be compared against companies in the Retail - Cyclical industry. The industry median ROCE % is 7.57. Card Factory's value of 16.54% is 118.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Retail - Cyclical company?
The median ROCE % among Retail - Cyclical companies is 7.57, based on 1,111 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current ROCE % of 16.54% is 118.5% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Retail - Cyclical industry, the median ROCE % is 7.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current ROCE % is 16.54%. 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 (STU:0CT) is currently considered Significantly Undervalued. The stock's GF Value™ is €1.28, compared to a current price of €0.77 — trading 39.7% below its estimated fair value. The current ROCE % is 16.54% and 118.5% above the Retail - Cyclical industry median of 7.57. Card Factory's overall GF Score™ is 79/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Card Factory (STU:0CT), the current ROCE % is 16.54% 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 (STU:0CT) Overvalued in 2026?

Based on GuruFocus' analysis, Card Factory stock appears to be undervalued. The current stock price of €0.77 is trading 39.7% below its estimated GF Value™ of €1.28. GuruFocus considers Card Factory to be Significantly Undervalued.

Key valuation signals for STU:0CT:

  • ROCE %: 16.54%
  • GF Value™: €1.28 vs. price of €0.77 (39.7% below fair value)
  • GF Score™: 79/100 with 4 warning signs
  • Industry Position: 118.5% above the Retail - Cyclical median

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

Card Factory Business Description

Other Exchanges CRFCF:USACARDl:UKCARD:UK
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.
79GF Score

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ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.77
Price
€1.28
GF Value