{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "b1d70ed8-61bd-407a-b3ab-1414f6f21539",
    "symbol": "CARD",
    "name": "Card Factory plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Consumer Cyclical",
    "industry": "Specialty Retail",
    "chart_url": "https://sharemaestro.com/terminal/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "b1d70ed8-61bd-407a-b3ab-1414f6f21539",
      "symbol": "CARD",
      "name": "Card Factory plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Consumer Cyclical",
      "industry": "Specialty Retail",
      "chart_url": "https://sharemaestro.com/terminal/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "CARD.L",
    "market_cap": 230617440.0,
    "market_cap_usd": 22816455350.4216,
    "price": 67.0,
    "currency": "GBP",
    "dividend_yield": 0.0761,
    "dividend_years": 7,
    "dividend_growth_5y": -0.1610512,
    "dividend_cut_5y": true,
    "payout_ratio": 0.5506,
    "net_income": 31200000.0,
    "free_cash_flow": 90900000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.58815,
    "revenue_growth_5y": 0.07935174,
    "net_margin": 0.05354,
    "roe": 0.08896,
    "pe_ratio": 7.444444,
    "price_vs_ma": -0.05116645,
    "return_3y": -0.22059834,
    "return_5y": 0.09472237,
    "max_drawdown": -0.56355507,
    "scores": {
      "dividend_reliability": 9.1,
      "dividend_sustainability": 20.0,
      "business_quality": 22.0,
      "valuation": 11.0,
      "trend": 3.0,
      "total": 65.1,
      "confidence": 100.0
    },
    "rating": "acceptable",
    "rating_label": "Acceptable, Needs Review",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/",
      "chart": "https://sharemaestro.com/terminal/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 9.1,
    "dividend_sustainability": 20.0,
    "business_quality": 22.0,
    "valuation": 11.0,
    "trend": 3.0,
    "total": 65.1,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2026-05-28",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "Dividend increased 184.6%",
      "detail": "Payment changed from 1.3 to 3.7.",
      "amount": 3.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2026-05-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 3.7 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 3.7,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2025-11-06",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "Dividend cut -63.9%",
      "detail": "Payment changed from 3.6 to 1.3.",
      "amount": 1.3000001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2025-11-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 1.3 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 1.3000001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2025-05-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "Dividend increased 200.0%",
      "detail": "Payment changed from 1.2 to 3.6.",
      "amount": 3.6,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2025-05-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 3.6 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 3.6,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2024-10-31",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "Dividend cut -73.3%",
      "detail": "Payment changed from 4.5 to 1.2.",
      "amount": 1.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2024-10-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 1.2 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 1.2,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2024-05-30",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "Dividend decreased -43.0%",
      "detail": "Payment changed from 7.9 to 4.5.",
      "amount": 4.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2024-05-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 4.5 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 4.5,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2019-11-07",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "Dividend increased 23.4%",
      "detail": "Payment changed from 6.4 to 7.9.",
      "amount": 7.9000006,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2019-11-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 7.9 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 7.9000006,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2019-05-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 6.4 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 6.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2018-11-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 7.9 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 7.9000006,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2018-05-03",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 6.4 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 6.4,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2017-11-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 17.9 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 17.9,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2017-05-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 6.3 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 6.3,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    },
    {
      "event_date": "2016-10-20",
      "event_type": "payment",
      "severity": "info",
      "ticker": "CARD",
      "exchange": "LSE",
      "headline": "CARD dividend payment 17.8 GBP",
      "detail": "Recorded dividend payment for Card Factory plc.",
      "amount": 17.800001,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/b1d70ed8-61bd-407a-b3ab-1414f6f21539/"
    }
  ]
}