POLLARD BANKNOTE LTD (PBL.CA) Fundamental Analysis & Valuation
TSX:PBL • CA73150R1055
Current stock price
18.28 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.
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.
- In the past 5 years PBL has always been profitable.
- PBL had a positive operating cash flow in each of the past 5 years.
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.
- Looking at the Return On Equity, with a value of 9.28%, PBL is in line with its industry, outperforming 44.44% of the companies in the same industry.
- The Return On Invested Capital of PBL (0.12%) is comparable to the rest of the 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 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
- PBL has a Profit Margin (5.81%) which is comparable to the rest of the 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 worse Gross Margin (16.74%) than 61.11% of its industry peers.
- In the last couple of years the Gross Margin of PBL has declined.
| 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
- PBL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- PBL has about the same amout of shares outstanding than it did 1 year ago.
- The number of shares outstanding for PBL has been increased compared to 5 years ago.
- Compared to 1 year ago, PBL has an improved debt to assets ratio.
2.2 Solvency
- PBL has an Altman-Z score of 2.34. 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.
- Looking at the Altman-Z score, with a value of 2.34, PBL belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
- 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.
- A Debt/Equity ratio of 0.45 indicates that PBL is not too dependend on debt financing.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | 6.98 | ||
| Altman-Z | 2.34 |
ROIC/WACC0.02
WACC7.16%
2.3 Liquidity
- A Current Ratio of 1.69 indicates that PBL should not have too much problems paying its short term obligations.
- PBL's Current ratio of 1.69 is amongst the best of the industry. PBL outperforms 88.89% of its industry peers.
- 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.
- Looking at the last year, PBL shows a small growth in Revenue. The Revenue has grown by 6.99% in the last year.
- 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
- PBL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 38.80% yearly.
- 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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. PBL.CA Valuation Analysis
4.1 Price/Earnings Ratio
- PBL is valuated correctly with a Price/Earnings ratio of 14.51.
- Based on the Price/Earnings ratio, PBL is valued a bit cheaper than 61.11% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.42, PBL is valued a bit cheaper.
- Based on the Price/Forward Earnings ratio of 8.87, the valuation of PBL can be described as reasonable.
- PBL's Price/Forward Earnings ratio is rather cheap when compared to the industry. PBL is cheaper than 94.44% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 22.29. PBL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.51 | ||
| Fwd PE | 8.87 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PBL is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
- PBL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.96 | ||
| EV/EBITDA | 12.75 |
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
5. PBL.CA Dividend Analysis
5.1 Amount
- PBL has a Yearly Dividend Yield of 1.10%. Purely for dividend investing, there may be better candidates out there.
- PBL's Dividend Yield is comparable with the industry average which is at 2.51.
- PBL's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
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
5.3 Sustainability
- 15.62% 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.
DP15.62%
EPS Next 2Y38.8%
EPS Next 3YN/A
PBL.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:PBL (4/24/2026, 7:00:00 PM)
18.28
+0.08 (+0.44%)
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 Cap494.84M
Revenue(TTM)596.02M
Net Income(TTM)34.65M
Analysts80
Price Target34.94 (91.14%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.1% |
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 | 14.51 | ||
| Fwd PE | 8.87 | ||
| P/S | 0.83 | ||
| P/FCF | 19.96 | ||
| P/OCF | 5.92 | ||
| P/B | 1.33 | ||
| P/tB | 4.69 | ||
| EV/EBITDA | 12.75 |
EPS(TTM)1.26
EY6.89%
EPS(NY)2.06
Fwd EY11.27%
FCF(TTM)0.92
FCFY5.01%
OCF(TTM)3.09
OCFY16.9%
SpS22.02
BVpS13.79
TBVpS3.9
PEG (NY)0.23
PEG (5Y)N/A
Graham Number19.7752 (8.18%)
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
WACC7.16%
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 14.51 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.