Card Factory annual net debt
2021
2022
2023
2024
2025
2026
Card Factory Net Debt Growth & History (CARD)
Card Factory's net debt was £191.1M for fiscal 2026.
View full Card Factory company overviewCard Factory annual net debt history
| Fiscal year | Period ended | Net debt | Change | Growth |
|---|---|---|---|---|
| 2026 | 2026-01-31 | £191.1M | £23.2M | +13.82% |
| 2025 | 2025-01-31 | £167.9M | £33.2M | +24.65% |
| 2024 | 2024-01-31 | £134.7M | −£28.3M | −17.36% |
| 2023 | 2023-01-31 | £163.0M | −£29.5M | −15.32% |
| 2022 | 2022-01-31 | £192.5M | −£58.9M | −23.43% |
| 2021 | 2021-01-31 | £251.4M | — | — |
Card Factory quarterly net debt
Q4.25
Q2.26
Q4.26
| Fiscal quarter | Period ended | Net debt | Change | YoY change |
|---|---|---|---|---|
| Q4 2026 | 2026-01-31 | £189.7M | £21.8M | +12.98% |
| Q2 2026 | 2025-07-31 | £198.9M | — | — |
| Q4 2025 | 2025-01-31 | £167.9M | — | — |
Card Factory net debt trends
Over the last five fiscal years, Card Factory's net debt decreased from £251.4M to £191.1M, a change of −£60.3M. The latest reported quarter, Q4 2026, shows £189.7M.
About the metric
What net debt means
Net debt compares a company’s interest-bearing debt with its cash and cash equivalents. Positive net debt means debt exceeds cash, while a negative value indicates the company has more cash than debt on this measure.
Calculation and source
How net debt is calculated
TickerStat calculates net debt as total interest-bearing debt minus cash and cash equivalents at the same reporting-period end. Short-term investments are not subtracted because they are not included in the standardized cash series. Fiscal periods can differ from calendar years, so exact period-end dates are included.
Review Card Factory source filings ↗