POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PBL - CA73150R1055 - Common Stock
20.24 CAD
-0.02 (-0.1%)
We assign a fundamental rating of 5 out of 10 to PBL. PBL was compared to 19 industry peers in the Hotels, Restaurants & Leisure industry. PBL has an average financial health and profitability rating. PBL is not valued too expensively and it also shows a decent growth rate.
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.
- PBL had positive earnings in each of the past 5 years.
- In the past 5 years PBL always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 4.06%, PBL is in the better half of the industry, outperforming 73.68% of the companies in the same industry.
- With a Return On Equity value of 7.60%, PBL perfoms like the industry average, outperforming 57.89% of the companies in the same industry.
- PBL's Return On Invested Capital of 0.80% is in line compared to the rest of the industry. PBL outperforms 47.37% of its industry peers.
- 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 of 4.83%. This is comparable to the rest of the industry: PBL outperforms 57.89% of its industry peers.
- In the last couple of years the Profit Margin of PBL has grown nicely.
- PBL has a Operating Margin (1.03%) which is in line with its industry peers.
- PBL's Operating Margin has declined in the last couple of years.
- PBL has a worse Gross Margin (17.18%) than 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.
- PBL has a better debt/assets ratio than last year.
2.2 Solvency
- PBL has an Altman-Z score of 2.47. 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.
- PBL's Altman-Z score of 2.47 is amongst the best of the industry. PBL outperforms 84.21% of its industry peers.
- PBL has a debt to FCF ratio of 20.44. This is a negative value and a sign of low solvency as PBL would need 20.44 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 20.44, PBL is in line with its industry, outperforming 57.89% of the companies in the same 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 | 2.47 |
ROIC/WACC0.11
WACC7.25%
2.3 Liquidity
- A Current Ratio of 1.97 indicates that PBL should not have too much problems paying its short term obligations.
- With an excellent Current ratio value of 1.97, PBL belongs to the best of the industry, outperforming 89.47% of the companies in the same industry.
- 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.
- PBL's Quick ratio of 1.43 is amongst the best of the industry. PBL outperforms 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%.
- Measured over the past years, PBL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.28% on average per year.
- Looking at the last year, PBL shows a small growth in Revenue. The Revenue has grown by 5.77% in the last year.
- PBL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.97% yearly.
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.
- PBL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.78% yearly.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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 19.65, PBL is valued on the expensive side.
- PBL's Price/Earnings ratio is in line with the industry average.
- When comparing the Price/Earnings ratio of PBL to the average of the S&P500 Index (27.30), we can say PBL is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 8.68, 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.
- PBL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.04.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.65 | ||
| Fwd PE | 8.68 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PBL is on the same level as its industry peers.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of PBL is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 57.59 | ||
| EV/EBITDA | 13.33 |
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.
- PBL's earnings are expected to grow with 35.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.89
PEG (5Y)2.37
EPS Next 2Y35.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- PBL has a yearly dividend return of 0.97%, which is pretty low.
- PBL's Dividend Yield is comparable with the industry average which is at 2.39.
- Compared to an average S&P500 Dividend Yield of 1.92, PBL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.97% |
5.2 History
- The dividend of PBL has a limited annual growth rate of 4.80%.
- PBL has paid a dividend for at least 10 years, which is a reliable track record.
- PBL has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.8%
Div Incr Years1
Div Non Decr Years13
5.3 Sustainability
- PBL pays out 19.14% of its income as dividend. This is a 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
TSX:PBL (1/13/2026, 7:00:00 PM)
20.24
-0.02 (-0.1%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)03-09 2026-03-09
Inst Owners14.46%
Inst Owner ChangeN/A
Ins Owners64.24%
Ins Owner ChangeN/A
Market Cap547.90M
Revenue(TTM)585.52M
Net Income(TTM)28.28M
Analysts80
Price Target35.19 (73.86%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.97% |
Yearly Dividend0.19
Dividend Growth(5Y)4.8%
DP19.14%
Div Incr Years1
Div Non Decr Years13
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-33.18%
Min EPS beat(2)-35.48%
Max EPS beat(2)-30.88%
EPS beat(4)1
Avg EPS beat(4)-39.34%
Min EPS beat(4)-112.64%
Max EPS beat(4)21.64%
EPS beat(8)4
Avg EPS beat(8)0.9%
EPS beat(12)7
Avg EPS beat(12)15.61%
EPS beat(16)8
Avg EPS beat(16)1.58%
Revenue beat(2)0
Avg Revenue beat(2)-4.73%
Min Revenue beat(2)-4.77%
Max Revenue beat(2)-4.68%
Revenue beat(4)1
Avg Revenue beat(4)-2.36%
Min Revenue beat(4)-5.62%
Max Revenue beat(4)5.63%
Revenue beat(8)4
Avg Revenue beat(8)-0.91%
Revenue beat(12)7
Avg Revenue beat(12)-0.6%
Revenue beat(16)8
Avg Revenue beat(16)-1.14%
PT rev (1m)0%
PT rev (3m)2.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.3%
EPS NY rev (1m)0%
EPS NY rev (3m)-11.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.65 | ||
| Fwd PE | 8.68 | ||
| P/S | 0.94 | ||
| P/FCF | 57.59 | ||
| P/OCF | 8 | ||
| P/B | 1.47 | ||
| P/tB | 5.22 | ||
| EV/EBITDA | 13.33 |
EPS(TTM)1.03
EY5.09%
EPS(NY)2.33
Fwd EY11.53%
FCF(TTM)0.35
FCFY1.74%
OCF(TTM)2.53
OCFY12.49%
SpS21.63
BVpS13.74
TBVpS3.88
PEG (NY)0.89
PEG (5Y)2.37
Graham Number17.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.06% | ||
| ROE | 7.6% | ||
| ROCE | 1.06% | ||
| ROIC | 0.8% | ||
| ROICexc | 0.83% | ||
| ROICexgc | 1.62% | ||
| OM | 1.03% | ||
| PM (TTM) | 4.83% | ||
| GM | 17.18% | ||
| FCFM | 1.62% |
ROA(3y)5.14%
ROA(5y)5.59%
ROE(3y)9.87%
ROE(5y)12.5%
ROIC(3y)2.12%
ROIC(5y)3.81%
ROICexc(3y)2.17%
ROICexc(5y)3.86%
ROICexgc(3y)4.59%
ROICexgc(5y)7.98%
ROCE(3y)2.8%
ROCE(5y)5.04%
ROICexgc growth 3Y-10.01%
ROICexgc growth 5Y-17.9%
ROICexc growth 3Y-8.14%
ROICexc growth 5Y-20.92%
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%
F-Score4
Asset Turnover0.84
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 20.44 | ||
| Debt/EBITDA | 3.49 | ||
| Cap/Depr | 122.48% | ||
| Cap/Sales | 10.07% | ||
| Interest Coverage | 0.53 | ||
| Cash Conversion | 126.42% | ||
| Profit Quality | 33.64% | ||
| Current Ratio | 1.97 | ||
| Quick Ratio | 1.43 | ||
| Altman-Z | 2.47 |
F-Score4
WACC7.25%
ROIC/WACC0.11
Cap/Depr(3y)95.92%
Cap/Depr(5y)90.31%
Cap/Sales(3y)7.96%
Cap/Sales(5y)7.44%
Profit Quality(3y)83.25%
Profit Quality(5y)93.5%
High Growth Momentum
Growth
EPS 1Y (TTM)-41.14%
EPS 3Y20.04%
EPS 5Y8.28%
EPS Q2Q%-43.94%
EPS Next Y22.11%
EPS Next 2Y35.01%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.77%
Revenue growth 3Y6.67%
Revenue growth 5Y6.97%
Sales Q2Q%1.98%
Revenue Next Year5.01%
Revenue Next 2Y6.78%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-71.48%
EBIT growth 3Y0.39%
EBIT growth 5Y-12.66%
EBIT Next Year63.27%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-58.74%
FCF growth 3Y-2.82%
FCF growth 5Y41.52%
OCF growth 1Y11.97%
OCF growth 3Y9.34%
OCF growth 5Y20.33%
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 5 / 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.