POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - TSX:PBL - CA73150R1055 - Common Stock
18.91 CAD
-0.45 (-2.32%)
Overall PBL gets a fundamental rating of 5 out of 10. We evaluated PBL against 18 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 correct valuation and a medium 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.
PBL had positive earnings in each of the past 5 years.
Each year in the past 5 years PBL had a positive operating cash flow.
1.2 Ratios
PBL has a better Return On Assets (5.29%) than 77.78% of its industry peers.
PBL has a Return On Equity of 10.15%. This is in the better half of the industry: PBL outperforms 72.22% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.69%, PBL is in line with its industry, outperforming 50.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for PBL 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's Profit Margin of 6.21% is fine compared to the rest of the industry. PBL outperforms 61.11% of its industry peers.
In the last couple of years the Profit Margin of PBL has grown nicely.
PBL's Operating Margin of 2.14% is in line compared 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 worse Gross Margin (17.78%) than 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
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.
Compared to 1 year ago, PBL has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.46 indicates that PBL is not a great score, but indicates only limited risk for bankruptcy at the moment.
PBL has a better Altman-Z score (2.46) than 77.78% of its industry peers.
PBL has a Debt/Equity ratio of 0.56. This is a neutral value indicating PBL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.56, PBL is in the better half of 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
WACC7.18%
2.3 Liquidity
PBL has a Current Ratio of 2.00. This indicates that PBL is financially healthy and has no problem in meeting its short term obligations.
PBL has a Current ratio of 2.00. This is amongst the best in the industry. PBL outperforms 88.89% of its industry peers.
PBL has a Quick Ratio of 1.44. 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 Quick ratio of 1.44 is amongst the best of the industry. PBL outperforms 88.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2 | ||
| Quick Ratio | 1.44 |
3. Growth
3.1 Past
PBL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.65%.
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 quite strong growth in Revenue. The Revenue has grown by 10.09% in the last year.
The Revenue has been growing slightly by 6.97% on average over the past years.
EPS 1Y (TTM)-3.65%
EPS 3Y20.04%
EPS 5Y8.28%
EPS Q2Q%-32.56%
Revenue 1Y (TTM)10.09%
Revenue growth 3Y6.67%
Revenue growth 5Y6.97%
Sales Q2Q%3.52%
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.
The Revenue is expected to grow by 6.43% on average over the next years.
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
A Price/Earnings ratio of 14.33 indicates a correct valuation of PBL.
77.78% of the companies in the same industry are more expensive than PBL, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of PBL to the average of the S&P500 Index (25.07), we can say PBL is valued slightly cheaper.
PBL is valuated cheaply with a Price/Forward Earnings ratio of 7.91.
Based on the Price/Forward Earnings ratio, PBL is valued cheaper than 100.00% of the companies in the same industry.
PBL is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.08, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.33 | ||
| Fwd PE | 7.91 |
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 | 12.12 |
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 36.68% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)1.73
EPS Next 2Y36.68%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.08%, PBL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.26, PBL has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.44, PBL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.08% |
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 14.97% of its income as dividend. This is a 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 (11/20/2025, 7:00:00 PM)
18.91
-0.45 (-2.32%)
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 Cap511.89M
Revenue(TTM)582.48M
Net Income(TTM)36.15M
Analysts80
Price Target34.68 (83.4%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.08% |
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)1.49%
PT rev (3m)-2.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.88%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.33 | ||
| Fwd PE | 7.91 | ||
| P/S | 0.88 | ||
| P/FCF | N/A | ||
| P/OCF | 12.61 | ||
| P/B | 1.44 | ||
| P/tB | 5.47 | ||
| EV/EBITDA | 12.12 |
EPS(TTM)1.32
EY6.98%
EPS(NY)2.39
Fwd EY12.65%
FCF(TTM)-0.64
FCFYN/A
OCF(TTM)1.5
OCFY7.93%
SpS21.52
BVpS13.16
TBVpS3.46
PEG (NY)0.38
PEG (5Y)1.73
Graham Number19.77
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
WACC7.18%
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)-3.65%
EPS 3Y20.04%
EPS 5Y8.28%
EPS Q2Q%-32.56%
EPS Next Y37.3%
EPS Next 2Y36.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.09%
Revenue growth 3Y6.67%
Revenue growth 5Y6.97%
Sales Q2Q%3.52%
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 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 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 14.33 and the Price/Book (PB) ratio is 1.44.
Can you provide the financial health for PBL stock?
The financial health rating of POLLARD BANKNOTE LTD (PBL.CA) is 5 / 10.