POLLARD BANKNOTE LTD (PBL.CA) Fundamental Analysis & Valuation

TSX:PBL • CA73150R1055

Current stock price

18.32 CAD
+0.08 (+0.44%)
Last:

This PBL.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PBL.CA Profitability Analysis

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.
PBL.CA Yearly Net Income VS EBIT VS OCF VS FCFPBL.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

1.2 Ratios

  • PBL's Return On Assets of 4.98% is fine compared to the rest of the industry. PBL outperforms 61.11% of its industry peers.
  • PBL has a Return On Equity of 9.28%. This is comparable to the rest of the industry: PBL outperforms 44.44% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 0.12%, PBL is in line with its industry, outperforming 44.44% of the companies in the same industry.
  • PBL had an Average Return On Invested Capital over the past 3 years of 1.25%. This is significantly below the industry average of 9.01%.
Industry RankSector Rank
ROA 4.98%
ROE 9.28%
ROIC 0.12%
ROA(3y)5.53%
ROA(5y)4.94%
ROE(3y)10.42%
ROE(5y)9.68%
ROIC(3y)1.25%
ROIC(5y)1.82%
PBL.CA Yearly ROA, ROE, ROICPBL.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

1.3 Margins

  • The Profit Margin of PBL (5.81%) is comparable to the rest of the industry.
  • PBL's Profit Margin has declined in the last couple of years.
  • PBL has a Operating Margin (0.16%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of PBL has declined.
  • PBL has a Gross Margin of 16.74%. This is in the lower half of the industry: PBL underperforms 61.11% of its industry peers.
  • In the last couple of years the Gross Margin of PBL has declined.
Industry RankSector Rank
OM 0.16%
PM (TTM) 5.81%
GM 16.74%
OM growth 3Y-59.53%
OM growth 5Y-55.69%
PM growth 3Y13.41%
PM growth 5Y-6.28%
GM growth 3Y-0.97%
GM growth 5Y-5.29%
PBL.CA Yearly Profit, Operating, Gross MarginsPBL.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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6

2. PBL.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PBL is destroying value.
  • Compared to 1 year ago, PBL has about the same amount of shares outstanding.
  • Compared to 5 years ago, PBL has more shares outstanding
  • Compared to 1 year ago, PBL has an improved debt to assets ratio.
PBL.CA Yearly Shares OutstandingPBL.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M 25M
PBL.CA Yearly Total Debt VS Total AssetsPBL.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M

2.2 Solvency

  • An Altman-Z score of 2.34 indicates that PBL is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • PBL has a Altman-Z score of 2.34. This is amongst the best in the industry. PBL outperforms 83.33% of its industry peers.
  • The Debt to FCF ratio of PBL is 6.98, which is on the high side as it means it would take PBL, 6.98 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 6.98, PBL is doing good in the industry, outperforming 72.22% of the companies in the same industry.
  • PBL has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
  • With a decent Debt to Equity ratio value of 0.45, PBL is doing good in the industry, outperforming 66.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 6.98
Altman-Z 2.34
ROIC/WACC0.02
WACC7.16%
PBL.CA Yearly LT Debt VS Equity VS FCFPBL.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

2.3 Liquidity

  • PBL has a Current Ratio of 1.69. This is a normal value and indicates that PBL is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.69, PBL belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
  • PBL has a Quick Ratio of 1.22. 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 better Quick ratio (1.22) than 83.33% of its industry peers.
Industry RankSector Rank
Current Ratio 1.69
Quick Ratio 1.22
PBL.CA Yearly Current Assets VS Current LiabilitesPBL.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. PBL.CA Growth Analysis

3.1 Past

  • PBL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.56%.
  • Measured over the past years, PBL shows a decrease in Earnings Per Share. The EPS has been decreasing by -0.47% on average per year.
  • PBL shows a small growth in Revenue. In the last year, the Revenue has grown by 6.99%.
  • PBL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.56% yearly.
EPS 1Y (TTM)-1.56%
EPS 3Y21.07%
EPS 5Y-0.47%
EPS Q2Q%383.33%
Revenue 1Y (TTM)6.99%
Revenue growth 3Y7.21%
Revenue growth 5Y7.56%
Sales Q2Q%7.48%

3.2 Future

  • The Earnings Per Share is expected to grow by 38.80% on average over the next years. This is a very strong growth
  • PBL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.19% yearly.
EPS Next Y63.52%
EPS Next 2Y38.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.49%
Revenue Next 2Y6.19%
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.
PBL.CA Yearly Revenue VS EstimatesPBL.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
PBL.CA Yearly EPS VS EstimatesPBL.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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6

4. PBL.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 14.54 indicates a correct valuation of PBL.
  • Compared to the rest of the industry, the Price/Earnings ratio of PBL indicates a somewhat cheap valuation: PBL is cheaper than 61.11% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of PBL to the average of the S&P500 Index (27.79), we can say PBL is valued slightly cheaper.
  • PBL is valuated reasonably with a Price/Forward Earnings ratio of 8.89.
  • Based on the Price/Forward Earnings ratio, PBL is valued cheaply inside the industry as 94.44% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 38.88. PBL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.54
Fwd PE 8.89
PBL.CA Price Earnings VS Forward Price EarningsPBL.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • PBL's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PBL is cheaper than 66.67% of the companies in the same industry.
  • PBL's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 20
EV/EBITDA 12.73
PBL.CA Per share dataPBL.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • The 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 38.80% in the coming years.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y38.8%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. PBL.CA Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.11%, PBL has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.54, PBL has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.81, PBL is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.11%

5.2 History

  • The dividend of PBL has a limited annual growth rate of 4.59%.
  • PBL has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.59%
Div Incr Years0
Div Non Decr Years0
PBL.CA Yearly Dividends per sharePBL.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2

5.3 Sustainability

  • PBL pays out 15.62% 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.
DP15.62%
EPS Next 2Y38.8%
EPS Next 3YN/A
PBL.CA Yearly Income VS Free CF VS DividendPBL.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
PBL.CA Dividend Payout.PBL.CA Dividend Payout, showing the Payout Ratio.PBL.CA Dividend Payout.PayoutRetained Earnings

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PBL.CA Fundamentals: All Metrics, Ratios and Statistics

POLLARD BANKNOTE LTD

TSX:PBL (4/22/2026, 7:00:00 PM)

18.32

+0.08 (+0.44%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)03-10
Earnings (Next)05-13
Inst Owners12.78%
Inst Owner ChangeN/A
Ins Owners63.99%
Ins Owner ChangeN/A
Market Cap495.92M
Revenue(TTM)596.02M
Net Income(TTM)34.65M
Analysts80
Price Target34.94 (90.72%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.11%
Yearly Dividend0.2
Dividend Growth(5Y)4.59%
DP15.62%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-44.13%
Min EPS beat(2)-57.39%
Max EPS beat(2)-30.88%
EPS beat(4)1
Avg EPS beat(4)-25.53%
Min EPS beat(4)-57.39%
Max EPS beat(4)21.64%
EPS beat(8)3
Avg EPS beat(8)-14.07%
EPS beat(12)6
Avg EPS beat(12)1.76%
EPS beat(16)8
Avg EPS beat(16)-0.11%
Revenue beat(2)0
Avg Revenue beat(2)-2.42%
Min Revenue beat(2)-4.77%
Max Revenue beat(2)-0.06%
Revenue beat(4)1
Avg Revenue beat(4)-0.97%
Min Revenue beat(4)-4.77%
Max Revenue beat(4)5.63%
Revenue beat(8)3
Avg Revenue beat(8)-0.94%
Revenue beat(12)6
Avg Revenue beat(12)-0.62%
Revenue beat(16)8
Avg Revenue beat(16)-0.9%
PT rev (1m)0.74%
PT rev (3m)-0.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-18.18%
EPS NY rev (1m)-7.97%
EPS NY rev (3m)-11.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.6%
Revenue NY rev (1m)-0.28%
Revenue NY rev (3m)-0.74%
Valuation
Industry RankSector Rank
PE 14.54
Fwd PE 8.89
P/S 0.83
P/FCF 20
P/OCF 5.93
P/B 1.33
P/tB 4.7
EV/EBITDA 12.73
EPS(TTM)1.26
EY6.88%
EPS(NY)2.06
Fwd EY11.25%
FCF(TTM)0.92
FCFY5%
OCF(TTM)3.09
OCFY16.87%
SpS22.02
BVpS13.79
TBVpS3.9
PEG (NY)0.23
PEG (5Y)N/A
Graham Number19.7752 (7.94%)
Profitability
Industry RankSector Rank
ROA 4.98%
ROE 9.28%
ROCE 0.18%
ROIC 0.12%
ROICexc 0.13%
ROICexgc 0.26%
OM 0.16%
PM (TTM) 5.81%
GM 16.74%
FCFM 4.16%
ROA(3y)5.53%
ROA(5y)4.94%
ROE(3y)10.42%
ROE(5y)9.68%
ROIC(3y)1.25%
ROIC(5y)1.82%
ROICexc(3y)1.29%
ROICexc(5y)1.85%
ROICexgc(3y)2.7%
ROICexgc(5y)4%
ROCE(3y)1.85%
ROCE(5y)2.71%
ROICexgc growth 3Y-61.11%
ROICexgc growth 5Y-56.07%
ROICexc growth 3Y-60.51%
ROICexc growth 5Y-56.46%
OM growth 3Y-59.53%
OM growth 5Y-55.69%
PM growth 3Y13.41%
PM growth 5Y-6.28%
GM growth 3Y-0.97%
GM growth 5Y-5.29%
F-Score4
Asset Turnover0.86
Health
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 6.98
Debt/EBITDA 3.33
Cap/Depr 119.64%
Cap/Sales 9.87%
Interest Coverage 0.09
Cash Conversion 166.75%
Profit Quality 71.55%
Current Ratio 1.69
Quick Ratio 1.22
Altman-Z 2.34
F-Score4
WACC7.16%
ROIC/WACC0.02
Cap/Depr(3y)108.78%
Cap/Depr(5y)99.09%
Cap/Sales(3y)8.96%
Cap/Sales(5y)8.27%
Profit Quality(3y)70.83%
Profit Quality(5y)86.3%
High Growth Momentum
Growth
EPS 1Y (TTM)-1.56%
EPS 3Y21.07%
EPS 5Y-0.47%
EPS Q2Q%383.33%
EPS Next Y63.52%
EPS Next 2Y38.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.99%
Revenue growth 3Y7.21%
Revenue growth 5Y7.56%
Sales Q2Q%7.48%
Revenue Next Year7.49%
Revenue Next 2Y6.19%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-94.76%
EBIT growth 3Y-56.62%
EBIT growth 5Y-52.35%
EBIT Next Year78.07%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.46%
FCF growth 3Y5.73%
FCF growth 5Y-7.09%
OCF growth 1Y13.18%
OCF growth 3Y15.56%
OCF growth 5Y7%

POLLARD BANKNOTE LTD / PBL.CA Fundamental Analysis 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.


What is the profitability of PBL stock?

POLLARD BANKNOTE LTD (PBL.CA) has a profitability rating of 4 / 10.


What is the valuation of POLLARD BANKNOTE LTD based on its PE and PB ratios?

The Price/Earnings (PE) ratio for POLLARD BANKNOTE LTD (PBL.CA) is 14.54 and the Price/Book (PB) ratio is 1.33.


What is the earnings growth outlook for POLLARD BANKNOTE LTD?

The Earnings per Share (EPS) of POLLARD BANKNOTE LTD (PBL.CA) is expected to grow by 63.52% in the next year.