POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PBL - CA73150R1055 - Common Stock
19.38 CAD
+0.13 (+0.68%)
Taking everything into account, PBL scores 5 out of 10 in our fundamental rating. PBL was compared to 18 industry peers in the Hotels, Restaurants & Leisure industry. PBL has an average financial health and profitability rating. PBL has a correct valuation and a medium 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.
PBL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PBL's Return On Assets of 5.29% is fine compared to the rest of the industry. PBL outperforms 77.78% of its industry peers.
With a decent Return On Equity value of 10.15%, PBL is doing good in the industry, outperforming 72.22% of the companies in the same industry.
With a Return On Invested Capital value of 1.69%, PBL perfoms like the industry average, outperforming 50.00% 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 6.58%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.29% | ||
| ROE | 10.15% | ||
| ROIC | 1.69% |
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 better Profit Margin (6.21%) than 61.11% of its industry peers.
PBL's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 2.14%, PBL is in line with its industry, outperforming 50.00% of the companies in the same industry.
In the last couple of years the Operating Margin of PBL has declined.
PBL's Gross Margin of 17.78% is on the low side compared to the rest of the industry. PBL is outperformed by 66.67% of its industry peers.
In the last couple of years the Gross Margin of PBL has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.14% | ||
| PM (TTM) | 6.21% | ||
| GM | 17.78% |
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
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 more shares outstanding
Compared to 5 years ago, PBL has more shares outstanding
PBL has a better debt/assets ratio than last year.
2.2 Solvency
PBL has an Altman-Z score of 2.46. 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 has a better Altman-Z score (2.46) than 77.78% of its industry peers.
A Debt/Equity ratio of 0.56 indicates that PBL is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.56, PBL is doing good in the industry, outperforming 61.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.46 |
ROIC/WACC0.23
WACC7.19%
2.3 Liquidity
A Current Ratio of 2.00 indicates that PBL has no problem at all paying its short term obligations.
The Current ratio of PBL (2.00) is better than 88.89% of its industry peers.
A Quick Ratio of 1.44 indicates that PBL should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.44, PBL belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2 | ||
| Quick Ratio | 1.44 |
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 7.04% in the last year.
The Revenue has been growing slightly by 6.97% on average over the past years.
EPS 1Y (TTM)-41.14%
EPS 3Y20.04%
EPS 5Y8.28%
EPS Q2Q%-43.94%
Revenue 1Y (TTM)7.04%
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 36.68% on average per year.
PBL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.43% yearly.
EPS Next Y37.3%
EPS Next 2Y36.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.71%
Revenue Next 2Y6.43%
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. Valuation
4.1 Price/Earnings Ratio
PBL is valuated rather expensively with a Price/Earnings ratio of 18.82.
The rest of the industry has a similar Price/Earnings ratio as PBL.
PBL is valuated rather cheaply when we compare the Price/Earnings ratio to 25.98, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.10, the valuation of PBL can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PBL indicates a rather cheap valuation: PBL is cheaper than 100.00% of the companies listed 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 35.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.82 | ||
| Fwd PE | 8.1 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PBL indicates a somewhat cheap valuation: PBL is cheaper than 66.67% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 12.13 |
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.
A more expensive valuation may be justified as PBL's earnings are expected to grow with 36.68% in the coming years.
PEG (NY)0.5
PEG (5Y)2.27
EPS Next 2Y36.68%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PBL has a Yearly Dividend Yield of 1.06%.
Compared to an average industry Dividend Yield of 4.24, PBL has a dividend in line with its industry peers.
With a Dividend Yield of 1.06, PBL pays less dividend than the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
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
14.97% 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.
DP14.97%
EPS Next 2Y36.68%
EPS Next 3YN/A
TSX:PBL (11/25/2025, 7:00:00 PM)
19.38
+0.13 (+0.68%)
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 Cap524.62M
Revenue(TTM)557.10M
Net Income(TTM)36.15M
Analysts80
Price Target35.19 (81.58%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
Yearly Dividend0.19
Dividend Growth(5Y)4.8%
DP14.97%
Div Incr Years1
Div Non Decr Years13
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-6.92%
Min EPS beat(2)-35.48%
Max EPS beat(2)21.64%
EPS beat(4)2
Avg EPS beat(4)-19.91%
Min EPS beat(4)-112.64%
Max EPS beat(4)46.85%
EPS beat(8)5
Avg EPS beat(8)6.7%
EPS beat(12)7
Avg EPS beat(12)9.45%
EPS beat(16)8
Avg EPS beat(16)-3.11%
Revenue beat(2)1
Avg Revenue beat(2)0.47%
Min Revenue beat(2)-4.68%
Max Revenue beat(2)5.63%
Revenue beat(4)2
Avg Revenue beat(4)0.65%
Min Revenue beat(4)-5.62%
Max Revenue beat(4)7.27%
Revenue beat(8)4
Avg Revenue beat(8)-0.96%
Revenue beat(12)8
Avg Revenue beat(12)-0.07%
Revenue beat(16)8
Avg Revenue beat(16)-1.16%
PT rev (1m)2.99%
PT rev (3m)2.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.82 | ||
| Fwd PE | 8.1 | ||
| P/S | 0.9 | ||
| P/FCF | N/A | ||
| P/OCF | 12.92 | ||
| P/B | 1.47 | ||
| P/tB | 5.61 | ||
| EV/EBITDA | 12.13 |
EPS(TTM)1.03
EY5.31%
EPS(NY)2.39
Fwd EY12.34%
FCF(TTM)-0.64
FCFYN/A
OCF(TTM)1.5
OCFY7.74%
SpS21.52
BVpS13.16
TBVpS3.46
PEG (NY)0.5
PEG (5Y)2.27
Graham Number17.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 5.29% | ||
| ROE | 10.15% | ||
| ROCE | 2.23% | ||
| ROIC | 1.69% | ||
| ROICexc | 1.73% | ||
| ROICexgc | 3.36% | ||
| OM | 2.14% | ||
| PM (TTM) | 6.21% | ||
| GM | 17.78% | ||
| FCFM | N/A |
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 Turnover0.85
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 3.38 | ||
| Cap/Depr | 125.26% | ||
| Cap/Sales | 9.95% | ||
| Interest Coverage | 1.15 | ||
| Cash Conversion | 69.12% | ||
| Profit Quality | N/A | ||
| Current Ratio | 2 | ||
| Quick Ratio | 1.44 | ||
| Altman-Z | 2.46 |
F-Score4
WACC7.19%
ROIC/WACC0.23
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 Y37.3%
EPS Next 2Y36.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.04%
Revenue growth 3Y6.67%
Revenue growth 5Y6.97%
Sales Q2Q%1.98%
Revenue Next Year5.71%
Revenue Next 2Y6.43%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-18.86%
EBIT growth 3Y0.39%
EBIT growth 5Y-12.66%
EBIT Next Year70.48%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-194.81%
FCF growth 3Y-2.82%
FCF growth 5Y41.52%
OCF growth 1Y-26.91%
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 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 5 / 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 18.82 and the Price/Book (PB) ratio is 1.47.
Can you provide the financial health for PBL stock?
The financial health rating of POLLARD BANKNOTE LTD (PBL.CA) is 5 / 10.