Card Factory (LSE:CARD) Debt-to-EBITDA : 1.04 (As of Jan. 2024)

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What is Card Factory Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Card Factory's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jan. 2024 was £32.4 Mil. Card Factory's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jan. 2024 was £113.4 Mil. Card Factory's annualized EBITDA for the quarter that ended in Jan. 2024 was £140.6 Mil. Card Factory's annualized Debt-to-EBITDA for the quarter that ended in Jan. 2024 was 1.04.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Card Factory's Debt-to-EBITDA or its related term are showing as below:

LSE:CARD' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.17 Med: 2.38 Max: 6.17
Current: 1.17

During the past 13 years, the highest Debt-to-EBITDA Ratio of Card Factory was 6.17. The lowest was 1.17. And the median was 2.38.

LSE:CARD's Debt-to-EBITDA is ranked better than
76.72% of 842 companies
in the Retail - Cyclical industry
Industry Median: 2.69 vs LSE:CARD: 1.17

Card Factory Debt-to-EBITDA Historical Data

The historical data trend for Card Factory's Debt-to-EBITDA 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.

* Premium members only.

Card Factory Debt-to-EBITDA Chart

Card Factory Annual Data

Trend

Jan15

Jan16

Jan17

Jan18

Jan19

Jan20

Jan21

Jan22

Jan23

Jan24

Debt-to-EBITDA

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2.38

6.17

3.28

1.59

1.17

Card Factory Semi-Annual Data
	Jul14	Jan15	Jul15	Jan16	Jul16	Jan17	Jul17	Jan18	Jul18	Jan19	Jul19	Jan20	Jul20	Jan21	Jul21	Jan22	Jul22	Jan23	Jul23	Jan24
Debt-to-EBITDA	Get a 7-Day Free Trial															2.37	2.53	1.29	1.84	1.04

Competitive Comparison of Card Factory's Debt-to-EBITDA

For the Specialty Retail subindustry, Card Factory's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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's Debt-to-EBITDA Distribution in the Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Card Factory's Debt-to-EBITDA falls into.

Card Factory Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Card Factory's Debt-to-EBITDA for the fiscal year that ended in Jan. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(32.4	+	113.4)	/	124.7
	=	1.17

Card Factory's annualized Debt-to-EBITDA for the quarter that ended in Jan. 2024 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(32.4	+	113.4)	/	140.6
	=	1.04

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is two times the quarterly (Jan. 2024) EBITDA data.

Card Factory (LSE:CARD) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

Card Factory Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Card Factory's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

Card Factory (LSE:CARD) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Consumer Cyclical » Retail - Cyclical » Card Factory PLC (LSE:CARD) » Definitions » Debt-to-EBITDA

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Traded in Other Exchanges

CARDl:UK

Address

Century House, Brunel Road, 41 Industrial Estate, Wakefield, West Yorkshire, GBR, WF2 0XG

Website

https://www.cardfactory.co.uk

Card Factory PLC is a British retailer of greeting cards. 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 strategy is to provide high-quality cards at affordable prices. Less than 50% of sales come from gift dressings, small gifts, and party items. The business model is vertically integrated. It has an in-house design team, a printing facility, and a central warehousing facility.