CRFCF

Card Factory plc

USD

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Price alert · CRFCF

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0.91 USD 0.00 0.00%
As of Oct 29, 2026
1.28 Day range 1.28
0.90 52-week range 1.29
YTD
-0.64%
1 year
-29.25%
Open
1.28
Prev close
0.91264
Mkt cap
297.70M
Vol
10.00K
Avg vol
0
EPS
0.12
P/E
7.61
More statistics
Low
1.28
High
1.28

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Financial health

Altman Z-Score

1.92 Grey zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 7.7×
FY 2017: 4.6×FY 2018: 4.6×FY 2019: 5.6×FY 2020: 5.6×FY 2021: -20.2×FY 2022: 23.5×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 6.6×FY 2026: 7.7×
FY 2017 5y median 6.6× FY 2026
P/S 0.4×
FY 2017: 0.7×FY 2018: 0.6×FY 2019: 0.7×FY 2020: 0.6×FY 2021: 1.0×FY 2022: 0.5×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.6×FY 2026: 0.4×
FY 2017 5y median 0.4× FY 2026
P/B 0.7×
FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.3×FY 2020: 1.3×FY 2021: 1.3×FY 2022: 0.9×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.9×FY 2026: 0.7×
FY 2017 5y median 0.7× FY 2026
P/FCF 2.5×
FY 2017: 4.1×FY 2018: 4.3×FY 2019: 2.4×FY 2020: 3.2×FY 2021: 4.8×FY 2022: 2.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 4.6×FY 2026: 2.5×
FY 2017 5y median 2.1× FY 2026
EV/EBITDA 3.7×
FY 2017: 4.5×FY 2018: 5.0×FY 2019: 4.7×FY 2020: 4.6×FY 2021: 12.2×FY 2022: 5.4×FY 2023: 1.5×FY 2024: 1.1×FY 2025: 3.9×FY 2026: 3.7×
FY 2017 5y median 3.7× FY 2026
EV/Sales 0.7×
FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.3×FY 2020: 1.3×FY 2021: 1.8×FY 2022: 1.1×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.9×FY 2026: 0.7×
FY 2017 5y median 0.7× FY 2026
FCF Yield 39.4%
FY 2017: 24.6%FY 2018: 23.5%FY 2019: 41.3%FY 2020: 30.8%FY 2021: 21.0%FY 2022: 48.0%FY 2023: 1060.6%FY 2024: 1144.1%FY 2025: 21.8%FY 2026: 39.4%
FY 2017 5y median 48.0% FY 2026

Profitability

Gross Margin 23.2%
FY 2017: 31.8%FY 2018: 29.6%FY 2019: 38.0%FY 2020: 24.8%FY 2021: 10.5%FY 2022: 18.5%FY 2023: 24.8%FY 2024: 27.1%FY 2025: 35.7%FY 2026: 23.2%
FY 2017 5y median 24.8% FY 2026
Operating Margin 10.5%
FY 2017: 21.8%FY 2018: 19.8%FY 2019: 19.4%FY 2020: 16.4%FY 2021: -1.4%FY 2022: 8.6%FY 2023: 14.6%FY 2024: 15.0%FY 2025: 14.6%FY 2026: 10.5%
FY 2017 5y median 14.6% FY 2026
Net Margin 5.4%
FY 2017: 16.5%FY 2018: 13.8%FY 2019: 11.8%FY 2020: 11.4%FY 2021: -4.8%FY 2022: 2.2%FY 2023: 9.5%FY 2024: 9.7%FY 2025: 8.8%FY 2026: 5.4%
FY 2017 5y median 8.8% FY 2026
ROE 8.8%
FY 2017: 26.3%FY 2018: 26.7%FY 2019: 23.4%FY 2020: 23.3%FY 2021: -6.6%FY 2022: 3.7%FY 2023: 16.5%FY 2024: 15.7%FY 2025: 13.8%FY 2026: 8.8%
FY 2017 5y median 13.8% FY 2026
ROIC 7.5%
FY 2017: 17.4%FY 2018: 15.5%FY 2019: 12.7%FY 2020: 11.4%FY 2021: -0.7%FY 2022: 5.1%FY 2023: 13.6%FY 2024: 12.5%FY 2025: 11.1%FY 2026: 7.5%
FY 2017 5y median 11.1% FY 2026
ROA 4.7%
FY 2017: 14.7%FY 2018: 13.1%FY 2019: 8.8%FY 2020: 9.1%FY 2021: -2.6%FY 2022: 1.5%FY 2023: 8.2%FY 2024: 9.0%FY 2025: 7.8%FY 2026: 4.7%
FY 2017 5y median 7.8% FY 2026

Growth (YoY)

Revenue 7.4%
FY 2017: 4.4%FY 2018: 6.0%FY 2019: 3.3%FY 2020: 3.6%FY 2021: -36.9%FY 2022: 27.8%FY 2023: 27.2%FY 2024: 10.3%FY 2025: 6.2%FY 2026: 7.4%
FY 2017 FY 2026
Operating Income -23.0%
FY 2017: 1.9%FY 2018: -4.0%FY 2019: 1.4%FY 2020: -12.3%FY 2021: -105.4%FY 2022: 880.0%FY 2023: 116.3%FY 2024: 13.2%FY 2025: 3.8%FY 2026: -23.0%
FY 2017 FY 2026
EPS (diluted) -37.4%
FY 2017: 0.0%FY 2018: -10.5%FY 2019: -11.8%FY 2020: 0.0%FY 2021: -126.5%FY 2022: 159.3%FY 2023: 450.8%FY 2024: 7.7%FY 2025: 0.0%FY 2026: -37.4%
FY 2017 FY 2026
Free Cash Flow 30.8%
FY 2017: 6.6%FY 2018: -15.2%FY 2019: 90.7%FY 2020: -25.9%FY 2021: -34.2%FY 2022: 58.8%FY 2023: -19.5%FY 2024: 5.0%FY 2025: -8.9%FY 2026: 30.8%
FY 2017 FY 2026

Financial Health

Current Ratio 0.9×
FY 2017: 1.3×FY 2018: 1.1×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.6×FY 2025: 0.9×FY 2026: 0.9×
FY 2017 5y median 0.6× FY 2026
Quick Ratio 0.4×
FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.4×FY 2026: 0.4×
FY 2017 5y median 0.3× FY 2026
Debt / Equity 0.6×
FY 2017: 0.6×FY 2018: 0.8×FY 2019: 1.3×FY 2020: 1.3×FY 2021: 1.3×FY 2022: 1.0×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.5×FY 2026: 0.6×
FY 2017 5y median 0.6× FY 2026
Net Debt / EBITDA 1.7×
FY 2017: 1.4×FY 2018: 1.9×FY 2019: 2.3×FY 2020: 2.3×FY 2021: 5.8×FY 2022: 2.7×FY 2023: 1.5×FY 2024: 1.1×FY 2025: 1.3×FY 2026: 1.7×
FY 2017 5y median 1.5× FY 2026
Interest Coverage 3.9×
FY 2017: 31.0×FY 2018: 29.8×FY 2019: 10.0×FY 2020: 8.9×FY 2021: -0.4×FY 2022: 1.5×FY 2023: 5.9×FY 2024: 5.7×FY 2025: 5.1×FY 2026: 3.9×
FY 2017 5y median 5.1× FY 2026

Dividends

Dividend Yield 7.4%
FY 2017: 27.2%FY 2018: 31.3%FY 2019: 17.1%FY 2020: 17.2%FY 2021: 17.8%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 6.1%FY 2026: 7.4%
FY 2017 5y median 0.0% FY 2026
Payout Ratio 55.1%
FY 2017: 123.4%FY 2018: 142.2%FY 2019: 95.1%FY 2020: 94.8%FY 2021: -359.6%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 41.4%FY 2026: 55.1%
FY 2017 5y median 0.0% FY 2026

Annual · latest fiscal year ends 2026-01-31