Card Factory PLC (CARD) - Net Assets

Latest as of July 2025: GBX339.20 Million GBX ≈ $41.27K USD

Based on the latest financial reports, Card Factory PLC (CARD) has net assets worth GBX339.20 Million GBX (≈ $41.27K USD) as of July 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX639.30 Million ≈ $77.78K USD) and total liabilities (GBX300.10 Million ≈ $36.51K USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Card Factory PLC liquid asset ratio to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	GBX339.20 Million
% of Total Assets	53.06%
Annual Growth Rate	68.26%
5-Year Change	67.99%
10-Year Change	30.56%
Growth Volatility	877.75

Card Factory PLC - Net Assets Trend (2012–2025)

This chart illustrates how Card Factory PLC's net assets have evolved over time, based on quarterly financial data. Also explore Card Factory PLC balance sheet assets for the complete picture of this company's asset base.

Annual Net Assets for Card Factory PLC (2012–2025)

The table below shows the annual net assets of Card Factory PLC from 2012 to 2025. For live valuation and market cap data, see Card Factory PLC (CARD) total market value.

Year	Net Assets	Change
2025-01-31	GBX346.90 Million ≈ $42.21K	+9.85%
2024-01-31	GBX315.80 Million ≈ $38.42K	+17.75%
2023-01-31	GBX268.20 Million ≈ $32.63K	+22.13%
2022-01-31	GBX219.60 Million ≈ $26.72K	+6.34%
2021-01-31	GBX206.50 Million ≈ $25.13K	-6.77%
2020-01-31	GBX221.50 Million ≈ $26.95K	+0.64%
2019-01-31	GBX220.10 Million ≈ $26.78K	+0.78%
2018-01-31	GBX218.40 Million ≈ $26.57K	-12.46%
2017-01-31	GBX249.50 Million ≈ $30.36K	-6.10%
2016-01-31	GBX265.70 Million ≈ $32.33K	-6.08%
2015-01-31	GBX282.90 Million ≈ $34.42K	+809.65%
2014-01-31	GBX31.10 Million ≈ $3.78K	+130.37%
2013-01-31	GBX13.50 Million ≈ $1.64K	+3275.00%
2012-01-31	GBX400.00K ≈ $48.67	--

Equity Component Analysis

This analysis shows how different components contribute to Card Factory PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 14200000000.0% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (January 2025)

Component	Amount	Percentage
Retained Earnings	GBX137.70 Million	39.69%
Common Stock	GBX3.50 Million	1.01%
Other Components	GBX205.70 Million	59.30%
Total Equity	GBX346.90 Million	100.00%

Card Factory PLC Competitors by Market Cap

The table below lists competitors of Card Factory PLC ranked by their market capitalization.

Company	Market Cap
SKONEC Entertainment Co. Ltd. KQ:276040	$2.84 Million
Shamaym Improve Ltd TA:SHMM	$2.84 Million
Surefire Resources NL AU:SRN	$2.85 Million
Earthworks Industries Inc V:EWK	$2.85 Million
Freedom Care Group Holdings Ltd AU:FCG	$2.84 Million
Revelation Biosciences Inc NASDAQ:REVB	$2.83 Million
Essentra PLC LSE:ESNT	$2.83 Million
Sriwahana JK:SWAT	$2.83 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Card Factory PLC's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 315,800,000 to 346,900,000, a change of 31,100,000 (9.8%).
Net income of 47,800,000 contributed positively to equity growth.
Dividend payments of 19,800,000 reduced retained earnings.
New share issuances of 500,000 increased equity.
Other comprehensive income increased equity by 600,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	GBX47.80 Million	+13.78%
Dividends Paid	GBX19.80 Million	-5.71%
Share Issuances	GBX500.00K	+0.14%
Other Comprehensive Income	GBX600.00K	+0.17%
Other Changes	GBX2.00 Million	+0.58%
Total Change	GBX-	9.85%

Book Value vs Market Value Analysis

This analysis compares Card Factory PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 67.85x
The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
The price-to-book ratio has decreased from 57407.32x to 67.85x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2012-01-31	GBX0.00	GBX67.40	x
2013-01-31	GBX0.05	GBX67.40	x
2014-01-31	GBX0.13	GBX67.40	x
2015-01-31	GBX0.91	GBX67.40	x
2016-01-31	GBX0.78	GBX67.40	x
2017-01-31	GBX0.73	GBX67.40	x
2018-01-31	GBX0.64	GBX67.40	x
2019-01-31	GBX0.64	GBX67.40	x
2020-01-31	GBX0.65	GBX67.40	x
2021-01-31	GBX0.60	GBX67.40	x
2022-01-31	GBX0.64	GBX67.40	x
2023-01-31	GBX0.78	GBX67.40	x
2024-01-31	GBX0.91	GBX67.40	x
2025-01-31	GBX0.99	GBX67.40	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Card Factory PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 13.78%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 8.81%
• Asset Turnover: 0.88x
• Equity Multiplier: 1.77x
Recent ROE (13.78%) is below the historical average (173.97%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2012	2100.00%	3.16%	0.59x	1131.75x	GBX8.36 Million
2013	97.04%	4.37%	0.62x	35.90x	GBX11.75 Million
2014	59.16%	5.63%	0.70x	15.06x	GBX15.29 Million
2015	11.74%	9.40%	0.70x	1.78x	GBX4.91 Million
2016	24.99%	17.40%	0.84x	1.72x	GBX39.83 Million
2017	26.33%	16.50%	0.89x	1.79x	GBX40.75 Million
2018	26.69%	13.81%	0.95x	2.04x	GBX36.46 Million
2019	23.35%	11.79%	0.75x	2.65x	GBX29.39 Million
2020	23.30%	11.43%	0.79x	2.57x	GBX29.45 Million
2021	-6.59%	-4.77%	0.54x	2.58x	GBX-34.25 Million
2022	3.69%	2.22%	0.68x	2.44x	GBX-13.86 Million
2023	16.48%	9.54%	0.86x	2.00x	GBX17.38 Million
2024	15.67%	9.69%	0.93x	1.75x	GBX17.92 Million
2025	13.78%	8.81%	0.88x	1.77x	GBX13.11 Million

Industry Comparison

This section compares Card Factory PLC's net assets metrics with peer companies in the Specialty Retail industry.

Industry Context

Industry: Specialty Retail
Average net assets among peers: $458,872,360
Average return on equity (ROE) among peers: 53.53%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Card Factory PLC (CARD)	GBX339.20 Million	2100.00%	0.88x	$2.84 Million
Angling Direct PLC (ANG)	$37.29 Million	1.45%	0.56x	$435.30K
Ao World (AO)	$40.50 Million	-16.30%	4.01x	$5.99 Million
Currys PLC (CURY)	$2.07 Billion	7.96%	1.56x	$16.12 Million
DFS Furniture PLC (DFS)	$229.00 Million	-1.92%	3.57x	$3.50 Million
Dunelm Group PLC (DNLM)	$99.60 Million	102.71%	2.48x	$18.52 Million
Frasers Group PLC (FRAS)	$1.21 Billion	-6.85%	2.13x	$34.20 Million
Halfords Group PLC (HFD)	$409.30 Million	10.24%	0.78x	$3.95 Million
IG Design Group plc (IGR)	$28.74 Million	30.38%	1.85x	$805.94K
musicMagpie PLC (MMAG)	$2.42 Million	354.13%	10.73x	$8.10K

About Card Factory PLC

LSE:CARD UK Specialty Retail

Market Cap

$2.84 Million

GBX23.31 Billion GBX

Market Cap Rank

#29278 Global

#601 in UK

Share Price

GBX67.40

Change (1 day)

+0.60%

52-Week Range

GBX60.10 - GBX110.60

All Time High

GBX271.14