POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:PBL • CA73150R1055
18.89 CAD
+0.08 (+0.43%)
Last: Jan 30, 2026, 07:00 PM
Taking everything into account, PBL scores 5 out of 10 in our fundamental rating. PBL was compared to 19 industry peers in the Hotels, Restaurants & Leisure industry. Both the profitability and the financial health of PBL get a neutral evaluation. Nothing too spectacular is happening here. PBL has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- PBL had positive earnings in the past year.
- In the past year PBL had a positive cash flow from operations.
- In the past 5 years PBL has always been profitable.
- Each year in the past 5 years PBL had a positive operating cash flow.
1.2 Ratios
- PBL has a better Return On Assets (4.06%) than 73.68% of its industry peers.
- PBL has a Return On Equity of 7.60%. This is comparable to the rest of the industry: PBL outperforms 57.89% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 0.80%, PBL is in line with its industry, outperforming 47.37% of the companies in the same industry.
- PBL had an Average Return On Invested Capital over the past 3 years of 2.12%. This is significantly below the industry average of 8.63%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.06% | ||
| ROE | 7.6% | ||
| ROIC | 0.8% |
ROA(3y)5.14%
ROA(5y)5.59%
ROE(3y)9.87%
ROE(5y)12.5%
ROIC(3y)2.12%
ROIC(5y)3.81%
1.3 Margins
- PBL has a Profit Margin (4.83%) which is in line with its industry peers.
- In the last couple of years the Profit Margin of PBL has grown nicely.
- Looking at the Operating Margin, with a value of 1.03%, PBL is in line with its industry, outperforming 47.37% of the companies in the same industry.
- In the last couple of years the Operating Margin of PBL has declined.
- PBL's Gross Margin of 17.18% is on the low side compared to the rest of the industry. PBL is outperformed by 63.16% of its industry peers.
- PBL's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.03% | ||
| PM (TTM) | 4.83% | ||
| GM | 17.18% |
OM growth 3Y-5.89%
OM growth 5Y-18.35%
PM growth 3Y13.76%
PM growth 5Y2.7%
GM growth 3Y-1.79%
GM growth 5Y-3.87%
2. Health
2.1 Basic Checks
- PBL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for PBL has been increased compared to 1 year ago.
- The number of shares outstanding for PBL has been increased compared to 5 years ago.
- The debt/assets ratio for PBL has been reduced compared to a year ago.
2.2 Solvency
- PBL has an Altman-Z score of 2.40. This is not the best score and indicates that PBL is in the grey zone with still only limited risk for bankruptcy at the moment.
- With an excellent Altman-Z score value of 2.40, PBL belongs to the best of the industry, outperforming 84.21% of the companies in the same industry.
- The Debt to FCF ratio of PBL is 20.44, which is on the high side as it means it would take PBL, 20.44 years of fcf income to pay off all of its debts.
- PBL has a Debt to FCF ratio (20.44) which is comparable to the rest of the industry.
- PBL has a Debt/Equity ratio of 0.51. This is a neutral value indicating PBL is somewhat dependend on debt financing.
- PBL has a Debt to Equity ratio of 0.51. This is in the better half of the industry: PBL outperforms 68.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 20.44 | ||
| Altman-Z | 2.4 |
ROIC/WACC0.11
WACC7.36%
2.3 Liquidity
- PBL has a Current Ratio of 1.97. This is a normal value and indicates that PBL is financially healthy and should not expect problems in meeting its short term obligations.
- PBL has a Current ratio of 1.97. This is amongst the best in the industry. PBL outperforms 89.47% of its industry peers.
- PBL has a Quick Ratio of 1.43. This is a normal value and indicates that PBL is financially healthy and should not expect problems in meeting its short term obligations.
- The Quick ratio of PBL (1.43) is better than 89.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.97 | ||
| Quick Ratio | 1.43 |
3. Growth
3.1 Past
- PBL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -41.14%.
- The Earnings Per Share has been growing by 8.28% on average over the past years. This is quite good.
- PBL shows a small growth in Revenue. In the last year, the Revenue has grown by 5.77%.
- The Revenue has been growing slightly by 6.97% on average over the past years.
EPS 1Y (TTM)-41.14%
EPS 3Y20.04%
EPS 5Y8.28%
EPS Q2Q%-43.94%
Revenue 1Y (TTM)5.77%
Revenue growth 3Y6.67%
Revenue growth 5Y6.97%
Sales Q2Q%1.98%
3.2 Future
- PBL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.01% yearly.
- The Revenue is expected to grow by 6.78% on average over the next years.
EPS Next Y22.11%
EPS Next 2Y35.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.01%
Revenue Next 2Y6.78%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 18.34, PBL is valued on the expensive side.
- The rest of the industry has a similar Price/Earnings ratio as PBL.
- When comparing the Price/Earnings ratio of PBL to the average of the S&P500 Index (28.32), we can say PBL is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 8.10, the valuation of PBL can be described as very reasonable.
- Based on the Price/Forward Earnings ratio, PBL is valued cheaper than 94.74% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. PBL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.34 | ||
| Fwd PE | 8.1 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PBL indicates a somewhat cheap valuation: PBL is cheaper than 63.16% of the companies listed in the same industry.
- The rest of the industry has a similar Price/Free Cash Flow ratio as PBL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 53.75 | ||
| EV/EBITDA | 12.65 |
4.3 Compensation for Growth
- PBL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as PBL's earnings are expected to grow with 35.01% in the coming years.
PEG (NY)0.83
PEG (5Y)2.22
EPS Next 2Y35.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- PBL has a Yearly Dividend Yield of 1.06%. Purely for dividend investing, there may be better candidates out there.
- PBL's Dividend Yield is comparable with the industry average which is at 2.41.
- Compared to an average S&P500 Dividend Yield of 1.83, PBL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
5.2 History
- The dividend of PBL has a limited annual growth rate of 4.80%.
- PBL has been paying a dividend for at least 10 years, so it has a reliable track record.
- PBL has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.8%
Div Incr Years1
Div Non Decr Years13
5.3 Sustainability
- 19.14% of the earnings are spent on dividend by PBL. This is a low number and sustainable payout ratio.
- PBL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP19.14%
EPS Next 2Y35.01%
EPS Next 3YN/A
POLLARD BANKNOTE LTD / PBL.CA FAQ
What is the ChartMill fundamental rating of POLLARD BANKNOTE LTD (PBL.CA) stock?
ChartMill assigns a fundamental rating of 5 / 10 to PBL.CA.
What is the valuation status of POLLARD BANKNOTE LTD (PBL.CA) stock?
ChartMill assigns a valuation rating of 6 / 10 to POLLARD BANKNOTE LTD (PBL.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for POLLARD BANKNOTE LTD?
POLLARD BANKNOTE LTD (PBL.CA) has a profitability rating of 4 / 10.
Can you provide the financial health for PBL stock?
The financial health rating of POLLARD BANKNOTE LTD (PBL.CA) is 5 / 10.
What is the expected EPS growth for POLLARD BANKNOTE LTD (PBL.CA) stock?
The Earnings per Share (EPS) of POLLARD BANKNOTE LTD (PBL.CA) is expected to grow by 22.11% in the next year.