POLLARD BANKNOTE LTD (PBL.CA) Fundamental Analysis & Valuation
TSX:PBL • CA73150R1055
Current stock price
18.25 CAD
+0.3 (+1.67%)
Last:
This PBL.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. PBL.CA Profitability Analysis
1.1 Basic Checks
- In the past year PBL was profitable.
- In the past year PBL had a positive cash flow from operations.
- Each year in the past 5 years PBL has been profitable.
- In the past 5 years PBL always reported a positive cash flow from operatings.
1.2 Ratios
- With a decent Return On Assets value of 4.98%, PBL is doing good in the industry, outperforming 61.11% of the companies in the same industry.
- PBL has a Return On Equity (9.28%) which is in line with its industry peers.
- PBL's Return On Invested Capital of 0.12% is in line compared to the rest of the industry. PBL outperforms 44.44% of its industry peers.
- PBL had an Average Return On Invested Capital over the past 3 years of 1.25%. This is significantly below the industry average of 8.99%.
| Industry Rank | Sector 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%
1.3 Margins
- With a Profit Margin value of 5.81%, PBL perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
- PBL's Profit Margin has declined in the last couple of years.
- With a Operating Margin value of 0.16%, PBL perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
- PBL's Operating Margin has declined in the last couple of years.
- 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.
- PBL's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
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.
- PBL has about the same amout of shares outstanding than it did 1 year ago.
- PBL has more shares outstanding than it did 5 years ago.
- PBL has a better debt/assets ratio than last year.
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.
- The Altman-Z score of PBL (2.34) is better than 83.33% of its industry peers.
- PBL has a debt to FCF ratio of 6.98. This is a slightly negative value and a sign of low solvency as PBL would need 6.98 years to pay back of all of its debts.
- PBL's Debt to FCF ratio of 6.98 is fine compared to the rest of the industry. PBL outperforms 72.22% of its industry peers.
- PBL has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of PBL (0.45) is better than 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | 6.98 | ||
| Altman-Z | 2.34 |
ROIC/WACC0.02
WACC7.05%
2.3 Liquidity
- A Current Ratio of 1.69 indicates that PBL should not have too much problems paying 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.
- A Quick Ratio of 1.22 indicates that PBL should not have too much problems paying its short term obligations.
- PBL's Quick ratio of 1.22 is amongst the best of the industry. PBL outperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.69 | ||
| Quick Ratio | 1.22 |
3. PBL.CA Growth Analysis
3.1 Past
- The earnings per share for PBL have decreased by -1.56% in the last year.
- The Earnings Per Share has been decreasing by -0.47% on average over the past years.
- The Revenue has been growing slightly by 6.99% in the past year.
- Measured over the past years, PBL shows a small growth in Revenue. The Revenue has been growing by 7.56% on average per year.
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
- Based on estimates for the next years, PBL will show a very strong growth in Earnings Per Share. The EPS will grow by 38.80% on average per year.
- Based on estimates for the next years, PBL will show a small growth in Revenue. The Revenue will grow by 6.19% on average per year.
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
- 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. PBL.CA Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 14.48, PBL is valued correctly.
- 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.
- Compared to an average S&P500 Price/Earnings ratio of 27.87, PBL is valued a bit cheaper.
- The Price/Forward Earnings ratio is 8.86, which indicates a very decent valuation of PBL.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PBL indicates a rather cheap valuation: PBL is cheaper than 94.44% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of PBL to the average of the S&P500 Index (38.51), we can say PBL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.48 | ||
| Fwd PE | 8.86 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PBL is valued a bit 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.93 | ||
| EV/EBITDA | 12.73 |
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.
- PBL's earnings are expected to grow with 38.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y38.8%
EPS Next 3YN/A
5. PBL.CA Dividend Analysis
5.1 Amount
- PBL has a Yearly Dividend Yield of 1.11%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.53, PBL has a dividend in line with its industry peers.
- PBL's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.11% |
5.2 History
- The dividend of PBL has a limited annual growth rate of 4.59%.
- PBL has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)4.59%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- PBL pays out 15.62% 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.
DP15.62%
EPS Next 2Y38.8%
EPS Next 3YN/A
PBL.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:PBL (4/17/2026, 7:00:00 PM)
18.25
+0.3 (+1.67%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)03-10 2026-03-10/amc
Earnings (Next)05-13 2026-05-13
Inst Owners12.78%
Inst Owner ChangeN/A
Ins Owners63.99%
Ins Owner ChangeN/A
Market Cap494.03M
Revenue(TTM)596.02M
Net Income(TTM)34.65M
Analysts80
Price Target34.94 (91.45%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 2026-03-31 (0.05)
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.48 | ||
| Fwd PE | 8.86 | ||
| P/S | 0.83 | ||
| P/FCF | 19.93 | ||
| P/OCF | 5.91 | ||
| P/B | 1.32 | ||
| P/tB | 4.68 | ||
| EV/EBITDA | 12.73 |
EPS(TTM)1.26
EY6.9%
EPS(NY)2.06
Fwd EY11.29%
FCF(TTM)0.92
FCFY5.02%
OCF(TTM)3.09
OCFY16.93%
SpS22.02
BVpS13.79
TBVpS3.9
PEG (NY)0.23
PEG (5Y)N/A
Graham Number19.7752 (8.36%)
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC7.05%
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 14.48 and the Price/Book (PB) ratio is 1.32.
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.