POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PBL - CA73150R1055 - Common Stock
19.44 CAD
-0.23 (-1.17%)
Overall PBL gets a fundamental rating of 5 out of 10. We evaluated PBL against 17 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 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.
PBL had a positive operating cash flow in the past year.
In the past 5 years PBL has always been profitable.
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 70.59% of the companies in the same industry.
The Return On Equity of PBL (7.60%) is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 0.80%, PBL is in line with its industry, outperforming 47.06% 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 below the industry average of 6.52%.
| 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
The Profit Margin of PBL (4.83%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of PBL has grown nicely.
With a Operating Margin value of 1.03%, PBL perfoms like the industry average, outperforming 47.06% of the companies in the same industry.
In the last couple of years the Operating Margin of PBL has declined.
With a Gross Margin value of 17.18%, PBL is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
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.
PBL has more shares outstanding than it did 1 year ago.
PBL has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PBL has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.44 indicates that PBL is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of PBL (2.44) is better than 76.47% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 20.44, PBL is in line with its industry, outperforming 52.94% 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.
The Debt to Equity ratio of PBL (0.51) is better than 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 20.44 | ||
| Altman-Z | 2.44 |
ROIC/WACC0.1
WACC7.67%
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 88.24% of the companies in the same industry.
A Quick Ratio of 1.43 indicates that PBL should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.43, PBL belongs to the top of the industry, outperforming 88.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.97 | ||
| Quick Ratio | 1.43 |
3. Growth
3.1 Past
The earnings per share for PBL have decreased strongly by -41.14% in the last year.
The Earnings Per Share has been growing by 8.28% on average over the past years. This is quite good.
Looking at the last year, PBL shows a small growth in Revenue. The Revenue has grown by 5.77% in the last year.
Measured over the past years, PBL shows a small growth in Revenue. The Revenue has been growing by 6.97% on average per year.
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
Based on estimates for the next years, PBL will show a very strong growth in Earnings Per Share. The EPS will grow by 35.01% on average per year.
Based on estimates for the next years, PBL will show a small growth in Revenue. The Revenue will grow by 6.78% on average per year.
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
A Price/Earnings ratio of 18.87 indicates a rather expensive valuation of PBL.
PBL's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.84, PBL is valued a bit cheaper.
The Price/Forward Earnings ratio is 8.33, which indicates a very decent valuation of PBL.
PBL's Price/Forward Earnings ratio is rather cheap when compared to the industry. PBL is cheaper than 100.00% of the companies in the same industry.
PBL is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.40, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.87 | ||
| Fwd PE | 8.33 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PBL is valued a bit cheaper than 64.71% of the companies 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 | 55.31 | ||
| EV/EBITDA | 13.04 |
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)0.85
PEG (5Y)2.28
EPS Next 2Y35.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PBL has a Yearly Dividend Yield of 1.02%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.52, PBL has a dividend in line with its industry peers.
With a Dividend Yield of 1.02, PBL pays less dividend than the S&P500 average, which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.02% |
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.
The dividend of PBL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.14%
EPS Next 2Y35.01%
EPS Next 3YN/A
TSX:PBL (12/29/2025, 7:00:00 PM)
19.44
-0.23 (-1.17%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)
Earnings (Next)
Inst Owners12.23%
Inst Owner ChangeN/A
Ins Owners64.19%
Ins Owner ChangeN/A
Market Cap526.24M
Revenue(TTM)585.52M
Net Income(TTM)28.28M
Analysts80
Price Target35.19 (81.02%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.02% |
Yearly Dividend0.19
Dividend Growth(5Y)4.8%
DP19.14%
Div Incr Years1
Div Non Decr Years13
Ex-Date
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)-11.06%
EPS NY rev (3m)-11.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.95%
Revenue NY rev (1m)-0.67%
Revenue NY rev (3m)-1.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.87 | ||
| Fwd PE | 8.33 | ||
| P/S | 0.9 | ||
| P/FCF | 55.31 | ||
| P/OCF | 7.69 | ||
| P/B | 1.41 | ||
| P/tB | 5.01 | ||
| EV/EBITDA | 13.04 |
EPS(TTM)1.03
EY5.3%
EPS(NY)2.33
Fwd EY12%
FCF(TTM)0.35
FCFY1.81%
OCF(TTM)2.53
OCFY13.01%
SpS21.63
BVpS13.74
TBVpS3.88
PEG (NY)0.85
PEG (5Y)2.28
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 | 2.44 |
F-Score4
WACC7.67%
ROIC/WACC0.1
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 for PBL 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.
What are the PE and PB ratios of POLLARD BANKNOTE LTD (PBL.CA) stock?
The Price/Earnings (PE) ratio for POLLARD BANKNOTE LTD (PBL.CA) is 18.87 and the Price/Book (PB) ratio is 1.41.
Can you provide the financial health for PBL stock?
The financial health rating of POLLARD BANKNOTE LTD (PBL.CA) is 5 / 10.