Card Factory PLC (CARD) — Cash Flow-to-Debt Ratio
Card Factory PLC (CARD) has a Cash Flow-to-Debt Ratio of 0.07x as of July 2025, meaning its operating cash flow of GBX21.40 Million could theoretically repay 0% of its total liabilities (GBX300.10 Million) in one year. See Card Factory PLC (CARD) financial flexibility to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Card Factory PLC Cash Flow-to-Debt Ratio (2012–2025)
Historical debt coverage capacity for Card Factory PLC across 14 annual periods. For the full cash flow conversion analysis, see Card Factory PLC cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for Card Factory PLC (2012–2025)
Year-by-year debt coverage analysis for Card Factory PLC. Check Card Factory PLC cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (GBX) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.33x | GBX88.90 Million | GBX268.70 Million | ▼ -25.7% |
| 2024 | 0.45x | GBX105.20 Million | GBX236.30 Million | ▲ +30.3% |
| 2023 | 0.34x | GBX91.90 Million | GBX269.00 Million | ▲ +9.7% |
| 2022 | 0.31x | GBX98.50 Million | GBX316.40 Million | ▲ +37.9% |
| 2021 | 0.23x | GBX73.60 Million | GBX326.00 Million | ▼ -28.8% |
| 2020 | 0.32x | GBX110.20 Million | GBX347.30 Million | ▼ -10.7% |
| 2019 | 0.36x | GBX128.70 Million | GBX362.20 Million | ▲ +11.5% |
| 2018 | 0.32x | GBX72.70 Million | GBX228.10 Million | ▼ -23.5% |
| 2017 | 0.42x | GBX81.80 Million | GBX196.30 Million | ▲ +0.2% |
| 2016 | 0.42x | GBX79.20 Million | GBX190.40 Million | ▲ +22.5% |
| 2015 | 0.34x | GBX75.30 Million | GBX221.70 Million | ▲ +121.7% |
| 2014 | 0.15x | GBX67.00 Million | GBX437.40 Million | ▲ +5.4% |
| 2013 | 0.15x | GBX68.50 Million | GBX471.20 Million | ▲ +32.3% |
| 2012 | 0.11x | GBX49.70 Million | GBX452.30 Million | — |