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Cardiff City rack up losses

The tireless and authoritative Swiss Ramble examines Cardiff City’s 2020/21 financial results, when they reduced their loss from £12m to £11m. Revenue rose £9m to £55m, as TV i the club’s owners.

Losses

In the 11 years since Vincent Tan bought the club in May 2010, they have accumulated £154m of losses, £81m in the last five years. In that period the club has only had two (small) profits, £4m in 2015 and £3m in 2019. They even contrived to lose £12m in the Premier League in 2014.

Furthermore, the 2015 £4m profit was entirely due to once-off factors (£13m debt-write-off and £13m interest adjustment). If the club is correct that they will not need to pay a transfer fee for Sala, then future financials will be boosted by reversal of £20m provision.

The £11m loss is clearly not great, it was nowhere near as much as some others in 2020/21 Championship, e.g. Bristol City £38m, Reading £36m and Boro £31m. Highest profits from two clubs relegated from the Premier League the prior season: Norwich City £21m and Bournemouth £17m.

The pre-tax loss narrowed from £12m to £11m, as revenue rose £9m (20%) from £46m to £55m and operating expenses were cut £3m (4%), though profit on player sales fell £11m from £14m to £3m.

The operating loss (excluding player sales and interest) halved from £24m to £12m, one of the best results in the Championship, where almost every club has big operating losses, i.e. nearly half of them are above £30m.   The club generated a £22m profit in the Premier League in 2019.

Revenue

The £55m revenue is £70m (56%) down from the pre-pandemic £125m peak in the Premier League two years ago. 2020/21 was boosted by £8.8m deferred revenue from extended 2019/20 season. If that is excluded, revenue would have dropped from £55m to £46m.

The £55m revenue was 4th highest in the Championship, only surpassed by the three clubs most recently relegated from the Premier League, who all received higher parachute payments: Bournemouth £72m, Norwich City £57m and Watford £57m.

City received around £74m in parachute payments in the last two years, but they have lost this advantage this season. They only got two years of payments instead of the usual three, as they were relegated after just one season in the Premier League.

Broadcasting income rose £11m (31%) from £37m to £48m, as money deferred for games played after 2020 accounts offset lower parachute payments. Match day fell £2.5m (68%) from £3.7m to £1.2m, as games played without fans. Commercial slightly increased to £5.6m.

Chairman Mehmet Dalman said, “The pandemic hit us hard”. Impact not quantified, but the Swiss Ramble estimates at least £3m lost revenue in 2021 (mainly match day), giving £7m in past 2 years. However, 2021 boosted by £8.8m deferred TV revenue for games played after 2020 accounts.

Player sales and purchases

Profit on player sales fell £11m from £14m to £3m, including Neil Etheridge to Birmingham City and Callum Paterson to Sheffield Wednesday. Significantly lower than the three clubs relegated from the Premier League, who each generated between £56m and £60m.

The Bluebirds have made very little money from player sales, only £34m in total in the last decade, most of which came in just two years (£10m in 2015 and £14m in 2020). This season will include the sales of Kieffer Moore to Cherries and Robert Glatzel to Hamburg.

The club only spent £5m on players in 2020/21, including Kieffer Moore. This was less than a third of the previous season’s £19m and well down from £38m outlay in 2019 Premier League. Three Championship clubs spent more than £20m (Brentford, Norwich City and Watford).

Interestingly, the £82m gross transfer spend in last five years is less than £88m outlay in the preceding five-year period. Highest expenditure was in the two Premier League seasons. Before January window, Dalman said, “There’s still no money – we’ll do the best we can.”

Average attendance in 2019/20 (for games played with fans) was 22,746, which was 7th highest in the Championship. However, this was 8,663 (28%) lower than the 41,409 they achieved in the Premier League, which the club said was “a direct result of relegation”.

Wages

Wages fell £2.1m (6%) from £35.6m to £33.5m, as player salaries were down from £27.9m to £26.0m. Likely to further fall in 2021/22,as some players come to the end of their contracts. It is worth noting that Cardiff only paid £54m when competing in the top flight.  After the decrease, the £33m wage bill was around mid-table in the Championship, less than half of Watford £68m and Norwich £67m (though their figures did include hefty promotion bonuses).

The wages to turnover ratio decreased from 77% to 61%, which was second lowest (best) in the Championship, where most clubs have unsustainable ratios above 100% (with no fewer than 5 higher than 200% in 2020/21). Cardiff had an incredibly low 43% in the Premier League.

Debt

The gross debt rose £1m to £94m, mainly from owner Vincent Tan £61m (up £15m), Tomen Finance £15.8m (where Dalman has a significant influence), Tan’s son £3m and Dalman £2m.  There were also £12m other loans, including £6.2m from the EFL.

The £94m debt is 9th highest in the Championship, though far below the likes of Stoke City £212m, Bournemouth £165m and Blackburn Rovers £152m. However, Cardiff’s debt would be much higher without Tan converting £93m into capital and writing-off £23m in the last decade.

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