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Card FactoryCHIX:CARDL +0.56%80 5-Year Yield-on-Cost % is 7.01 as of Jul. 20, 2026, which is 31% above its 10-year median of 5.35. 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 581 Retail - Cyclical companies, Card Factory ranks better than 78.66% on this metric.
Card Factory's yield on cost for the quarter that ended in Jan. 2026 was 7.01.
The historical rank and industry rank for Card Factory's 5-Year Yield-on-Cost % or its related term are showing as below:
CHIX:CARDl'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.53 Med: 5.35 Max: 32.52
Current: 7.01
During the past 13 years, Card Factory's highest Yield on Cost was 32.52. The lowest was 2.53. And the median was 5.35.
CHIX:CARDl's 5-Year Yield-on-Cost % is ranked better than 78.66% of 581
companies
in the Retail - Cyclical industry
Industry Median: 3.24
vs CHIX:CARDl: 7.01
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Card Factory 5-Year Yield-on-Cost % Related Terms
CHIX:CARDL vs CASY, WSM, DKS: 5-Year Yield-on-Cost % Comparison
For the Specialty Retail subindustry, Card Factory's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Card Factory's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Card Factory is calculated as
Card Factory (CHIX:CARDL) has a 5-Year Yield-on-Cost % of 7.01 as of Jul. 20, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Card Factory and its competitors. This is 31% above median its historical median of 5.35. Over the past decade, Card Factory's 5-Year Yield-on-Cost % has ranged from 2.53 to 32.52. According to the industry distribution chart, Card Factory ranks #124 out of 581 companies in the Retail - Cyclical industry, placing it in the top 21.3%.
Is Card Factory's 5-Year Yield-on-Cost % too high?
Card Factory's current 5-Year Yield-on-Cost % of 7.01 is 31% above median its 10-year median of 5.35. Over the past 10 years, this metric has ranged from a low of 2.53 to a high of 32.52. The Retail - Cyclical industry median 5-Year Yield-on-Cost % is 3.24. Card Factory's value of 7.01 is 116.4% above this industry median. Based on the distribution chart, Card Factory ranks #124 out of 581 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 5-Year Yield-on-Cost % compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #124 out of 581 companies for 5-Year Yield-on-Cost %. This places Card Factory in the top 21% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.24. Card Factory's value of 7.01 is 116.4% above this benchmark. Historically, Card Factory's own 5-Year Yield-on-Cost % has ranged from 2.53 to 32.52 over the past decade. While the company's 10-year median is 5.35 vs. the industry median of 3.24, 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 5-Year Yield-on-Cost % for a Retail - Cyclical company?
The median 5-Year Yield-on-Cost % among Retail - Cyclical companies is 3.24, based on 581 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current 5-Year Yield-on-Cost % of 7.01 is 116.4% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Card Factory and its competitors. For the Retail - Cyclical industry, the median 5-Year Yield-on-Cost % is 3.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current 5-Year Yield-on-Cost % is 7.01, which is 31% above median its own 10-year median of 5.35. 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 5-Year Yield-on-Cost % is 7.01, which is 31% above median its 10-year median of 5.35 and 116.4% above the Retail - Cyclical industry median of 3.24. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Card Factory (CHIX:CARDL), the current 5-Year Yield-on-Cost % is 7.01 as of Jul. 20, 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:
5-Year Yield-on-Cost %: 7.01 (31% above median its 10-year median of 5.35)
GF Value™: £1.12 vs. price of £0.71 (36.3% below fair value)
Industry Position: 116.4% above the Retail - Cyclical median (#124 of 581)
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
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