POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PBL - CA73150R1055 - Common Stock
19.69 CAD
-0.24 (-1.2%)
Taking everything into account, PBL scores 5 out of 10 in our fundamental rating. PBL was compared to 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 has a decent growth rate and is not valued too expensively.
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.
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
PBL's Return On Assets of 4.06% is fine compared to the rest of the industry. PBL outperforms 72.22% of its industry peers.
PBL's Return On Equity of 7.60% is in line compared to the rest of the industry. PBL outperforms 55.56% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.80%, PBL is in line with its industry, outperforming 50.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for PBL 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
With a decent Profit Margin value of 4.83%, PBL is doing good in the industry, outperforming 61.11% of the companies in the same industry.
PBL's Profit Margin has improved in the last couple of years.
PBL has a Operating Margin of 1.03%. This is comparable to the rest of the industry: PBL outperforms 50.00% of its industry peers.
In the last couple of years the Operating Margin of PBL has declined.
PBL has a Gross Margin of 17.18%. 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 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.
Compared to 1 year ago, PBL has more shares outstanding
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 2.44 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 2.44. This is in the better half of the industry: PBL outperforms 77.78% 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.
The Debt to FCF ratio of PBL (20.44) is comparable to the rest of the industry.
PBL has a Debt/Equity ratio of 0.51. This is a neutral value indicating PBL is somewhat dependend on debt financing.
PBL's Debt to Equity ratio of 0.51 is fine compared to the rest of the industry. PBL outperforms 66.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 20.44 | ||
| Altman-Z | 2.44 |
ROIC/WACC0.11
WACC7.52%
2.3 Liquidity
PBL has a Current Ratio of 1.97. This is a normal value and indicates that PBL is financially healthy and should not expect problems in meeting its short term obligations.
PBL's Current ratio of 1.97 is amongst the best of the industry. PBL outperforms 88.89% of its industry peers.
PBL has a Quick Ratio of 1.43. This is a normal value and indicates that PBL is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of PBL (1.43) is better than 88.89% of its industry peers.
| 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.
Measured over the past years, PBL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.28% on average per year.
The Revenue has been growing slightly by 5.77% in the past 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)5.77%
Revenue growth 3Y6.67%
Revenue growth 5Y6.97%
Sales Q2Q%1.98%
3.2 Future
PBL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.01% yearly.
The Revenue is expected to grow by 6.78% on average over the next years.
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
Based on the Price/Earnings ratio of 19.12, the valuation of PBL can be described as rather expensive.
The rest of the industry has a similar Price/Earnings ratio as PBL.
Compared to an average S&P500 Price/Earnings ratio of 26.39, PBL is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 8.44, the valuation of PBL can be described as reasonable.
100.00% of the companies in the same industry are more expensive than PBL, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 23.84. PBL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.12 | ||
| Fwd PE | 8.44 |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than PBL, based on the Enterprise Value to EBITDA ratio.
The rest of the industry has a similar Price/Free Cash Flow ratio as PBL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 56.02 | ||
| EV/EBITDA | 13.05 |
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 35.01% in the coming years.
PEG (NY)0.86
PEG (5Y)2.31
EPS Next 2Y35.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PBL has a Yearly Dividend Yield of 1.00%. 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.
Compared to an average S&P500 Dividend Yield of 1.87, PBL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1% |
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 their dividend for at least 10 years, which is a reliable track record.
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 (12/19/2025, 7:00:00 PM)
19.69
-0.24 (-1.2%)
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 Cap533.01M
Revenue(TTM)585.52M
Net Income(TTM)28.28M
Analysts80
Price Target35.19 (78.72%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1% |
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)1.47%
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)-13.43%
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 | 19.12 | ||
| Fwd PE | 8.44 | ||
| P/S | 0.91 | ||
| P/FCF | 56.02 | ||
| P/OCF | 7.79 | ||
| P/B | 1.43 | ||
| P/tB | 5.08 | ||
| EV/EBITDA | 13.05 |
EPS(TTM)1.03
EY5.23%
EPS(NY)2.33
Fwd EY11.85%
FCF(TTM)0.35
FCFY1.78%
OCF(TTM)2.53
OCFY12.84%
SpS21.63
BVpS13.74
TBVpS3.88
PEG (NY)0.86
PEG (5Y)2.31
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
WACC7.52%
ROIC/WACC0.11
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 19.12 and the Price/Book (PB) ratio is 1.43.
Can you provide the financial health for PBL stock?
The financial health rating of POLLARD BANKNOTE LTD (PBL.CA) is 5 / 10.