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3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Card Factory's 3-Year ROIIC % for the quarter that ended in Jan. 2026 was -16.18%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Card Factory's 3-Year ROIIC % or its related term are showing as below:
CHIX:CARDl's 3-Year ROIIC % is ranked worse than 76.82% of 1057
companies
in the Retail - Cyclical industry
Industry Median: 4.82
vs CHIX:CARDl: -16.18
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Card Factory 3-Year ROIIC % Related Terms
Card Factory 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for Card Factory's 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Specialty Retail subindustry, Card Factory's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Card Factory's 3-Year ROIIC % falls into.
Card Factory's 3-Year ROIIC % for the quarter that ended in Jan. 2026 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 42.21558 (Jan. 2026) - 53.8153 (Jan. 2023) )
/
( 619.6 (Jan. 2026) - 547.9 (Jan. 2023) )
=
-11.59972
/
71.7
=
-16.18%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Card Factory (CHIX:CARDL) has a 3-Year ROIIC % of -16.18 as of Jan. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Card Factory and its competitors. According to the industry distribution chart, Card Factory ranks #812 out of 1057 companies in the Retail - Cyclical industry, placing it in the top 76.8%.
Is Card Factory's 3-Year ROIIC % too high?
Card Factory's current 3-Year ROIIC % is -16.18. Based on the distribution chart, Card Factory ranks #812 out of 1057 companies in the Retail - Cyclical industry, which is in the bottom quartile 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 3-Year ROIIC % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #812 out of 1057 companies for 3-Year ROIIC %. This places Card Factory in the lower half of its industry. The industry median 3-Year ROIIC % is 4.82. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for a Retail - Cyclical company?
The median 3-Year ROIIC % among Retail - Cyclical companies is 4.82, based on 1,057 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Card Factory and its competitors. For the Retail - Cyclical industry, the median 3-Year ROIIC % is 4.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current 3-Year ROIIC % is -16.18. 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% below its estimated fair value. The current 3-Year ROIIC % is -16.18. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Card Factory (CHIX:CARDL), the current 3-Year ROIIC % is -16.18 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% below its estimated GF Value™ of £1.11.
GuruFocus considers Card Factory to be Significantly Undervalued.
Key valuation signals for CHIX:CARDL:
3-Year ROIIC %: -16.18
GF Value™: £1.11 vs. price of £0.69 (38% below fair value)
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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