Card Factory (CHIX:CARDL) Total Liabilities: £307.2 Mil (As of Jan. 2026)


CHIX:CARDL Card Factory PLC CHIX:CARDL
81 GF Score
Price £0.67
GF Value £1.11
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Card Factory Total Liabilities?

Card Factory CHIX:CARDL -1.61% 81 Total Liabilities is £307.2 Mil as of Jan. 2026. 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.

Card Factory's Total Liabilities for the quarter that ended in Jan. 2026 was £307.2 Mil.

Card Factory's quarterly Total Liabilities increased from Jan. 2025 (£268.70 Mil) to Jul. 2025 (£300.10 Mil) and increased from Jul. 2025 (£300.10 Mil) to Jan. 2026 (£307.20 Mil).

Card Factory's annual Total Liabilities increased from Jan. 2024 (£236.30 Mil) to Jan. 2025 (£268.70 Mil) and increased from Jan. 2025 (£268.70 Mil) to Jan. 2026 (£307.20 Mil).

Card Factory Total Liabilities Historical Data

* Premium members only.

The historical data trend for Card Factory's Total Liabilities 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 Total Liabilities Chart

Card Factory Annual Data
Trend Jan17 Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24 Jan25 Jan26
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 316.40 269.00 236.30 268.70 307.20

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
Total Liabilities 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 236.30 286.20 268.70 300.10 307.20
CHIX:CARDL
81GF Score
Card Factory PLC CHIX:CARDL
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
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Card Factory Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

Card Factory's Total Liabilities for the fiscal year that ended in Jan. 2026 is calculated as

Total Liabilities=Total Current Liabilities+Total Noncurrent Liabilities
=Total Current Liabilities+(Long-Term Debt & Capital Lease Obligation+Other Long-Term Liabilities
=116.4+(174.2+16.6
+NonCurrent Deferred Liabilities+PensionAndRetirementBenefit+NonCurrent Deferred Income Tax)
+0+0+0)
=307.2

Total Liabilities=Total Assets (A: Jan. 2026 )-Total Equity (A: Jan. 2026 )
=660.9-353.7
=307.2

Card Factory's Total Liabilities for the quarter that ended in Jan. 2026 is calculated as

Total Liabilities=Total Current Liabilities+Total Noncurrent Liabilities
=Total Current Liabilities+(Long-Term Debt & Capital Lease Obligation+Other Long-Term Liabilities
=116.4+(174.2+16.6
+NonCurrent Deferred Liabilities+PensionAndRetirementBenefit+NonCurrent Deferred Income Tax)
+0+0+0)
=307.2

Total Liabilities=Total Assets (Q: Jan. 2026 )-Total Equity (Q: Jan. 2026 )
=660.9-353.7
=307.2

* 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 Total Liabilities →
What does a Total Liabilities of £307.2 Mil mean?
Card Factory (CHIX:CARDL) has a Total Liabilities of £307.2 Mil as of Jan. 2026. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Card Factory and its competitors.
Is Card Factory's Total Liabilities too high?
Card Factory's current Total Liabilities is £307.2 Mil. 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 Total Liabilities compare to CASY and WSM?
Card Factory's Total Liabilities of £307.2 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 Total Liabilities for a Retail - Cyclical company?
A good Total Liabilities depends on the Retail - Cyclical industry context. However, Total Liabilities 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 Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Card Factory and its competitors. Card Factory's current Total Liabilities is £307.2 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 (CHIX:CARDL) is currently considered Significantly Undervalued. The stock's GF Value™ is £1.11, compared to a current price of £0.67 — trading 39.5% below its estimated fair value. The current Total Liabilities is £307.2 Mil. 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 Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For Card Factory (CHIX:CARDL), the current Total Liabilities is £307.2 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 (CHIX:CARDL) Overvalued in 2026?

Based on GuruFocus' analysis, Card Factory stock appears to be undervalued. The current stock price of £0.67 is trading 39.5% below its estimated GF Value™ of £1.11. GuruFocus considers Card Factory to be Significantly Undervalued.

Key valuation signals for CHIX:CARDL:

  • Total Liabilities: £307.2 Mil
  • GF Value™: £1.11 vs. price of £0.67 (39.5% below fair value)
  • GF Score™: 81/100 with 4 warning signs

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 Business Description

Other Exchanges CRFCF:USACARD:UK0CT:Germany
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.
81GF Score

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

£0.67
Price
£1.11
GF Value