POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PBL - CA73150R1055 - Common Stock
20.26 CAD
-0.25 (-1.22%)
Overall PBL gets a fundamental rating of 5 out of 10. We evaluated PBL against 19 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
In the past year PBL was profitable.
In the past year PBL had a positive cash flow from operations.
In the past 5 years PBL has always been profitable.
Each year in the past 5 years PBL had a positive operating cash flow.
1.2 Ratios
PBL has a better Return On Assets (4.06%) than 73.68% of its industry peers.
PBL's Return On Equity of 7.60% is in line compared to the rest of the industry. PBL outperforms 57.89% of its industry peers.
PBL has a Return On Invested Capital of 0.80%. This is comparable to the rest of the industry: PBL outperforms 47.37% of its industry peers.
PBL had an Average Return On Invested Capital over the past 3 years of 2.12%. This is significantly below the industry average of 8.63%.
| 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
PBL's Profit Margin of 4.83% is in line compared to the rest of the industry. PBL outperforms 57.89% of its industry peers.
PBL's Profit Margin has improved in the last couple of years.
PBL has a Operating Margin (1.03%) which is comparable to the rest of the industry.
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 63.16% 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
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
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
An Altman-Z score of 2.49 indicates that PBL is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.49, PBL belongs to the top of the industry, outperforming 84.21% of the companies in the same industry.
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.
PBL has a Debt to FCF ratio (20.44) which 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 has a better Debt to Equity ratio (0.51) than 68.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 20.44 | ||
| Altman-Z | 2.49 |
ROIC/WACC0.11
WACC7.24%
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.
The Current ratio of PBL (1.97) is better than 89.47% of its industry peers.
A Quick Ratio of 1.43 indicates that PBL should not have too much problems paying its short term obligations.
PBL has a Quick ratio of 1.43. This is amongst the best in the industry. PBL outperforms 89.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.97 | ||
| Quick Ratio | 1.43 |
3. Growth
3.1 Past
PBL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -41.14%.
The Earnings Per Share has been growing by 8.28% on average over the past years. This is quite good.
PBL shows a small growth in Revenue. In the last year, the Revenue has grown by 5.77%.
PBL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.97% yearly.
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.
Based on estimates for the next years, PBL will show a small growth in Revenue. The Revenue will grow by 6.78% on average per year.
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.
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 19.67 indicates a rather expensive valuation of PBL.
PBL's Price/Earnings is on the same level as the industry average.
PBL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.25.
The Price/Forward Earnings ratio is 8.68, which indicates a very decent valuation of PBL.
94.74% of the companies in the same industry are more expensive than PBL, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of PBL to the average of the S&P500 Index (23.98), we can say PBL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.67 | ||
| Fwd PE | 8.68 |
4.2 Price Multiples
PBL's Enterprise Value to EBITDA is on the same level as the industry average.
PBL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 57.65 | ||
| EV/EBITDA | 13.46 |
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 35.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.89
PEG (5Y)2.38
EPS Next 2Y35.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.97%, PBL is not a good candidate for dividend investing.
PBL's Dividend Yield is comparable with the industry average which is at 2.39.
Compared to an average S&P500 Dividend Yield of 1.92, PBL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.97% |
5.2 History
The dividend of PBL has a limited annual growth rate of 4.80%.
PBL has been paying a dividend for at least 10 years, so it has 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
19.14% of the earnings are spent on dividend by PBL. This is a low number and 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 (1/12/2026, 7:00:00 PM)
20.26
-0.25 (-1.22%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)
Earnings (Next)
Inst Owners14.46%
Inst Owner ChangeN/A
Ins Owners64.24%
Ins Owner ChangeN/A
Market Cap548.44M
Revenue(TTM)585.52M
Net Income(TTM)28.28M
Analysts80
Price Target35.19 (73.69%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.97% |
Yearly Dividend0.19
Dividend Growth(5Y)4.8%
DP19.14%
Div Incr Years1
Div Non Decr Years13
Ex-DateN/A
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)0%
PT rev (3m)2.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.3%
EPS NY rev (1m)0%
EPS NY rev (3m)-11.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.67 | ||
| Fwd PE | 8.68 | ||
| P/S | 0.94 | ||
| P/FCF | 57.65 | ||
| P/OCF | 8.01 | ||
| P/B | 1.47 | ||
| P/tB | 5.22 | ||
| EV/EBITDA | 13.46 |
EPS(TTM)1.03
EY5.08%
EPS(NY)2.33
Fwd EY11.52%
FCF(TTM)0.35
FCFY1.73%
OCF(TTM)2.53
OCFY12.48%
SpS21.63
BVpS13.74
TBVpS3.88
PEG (NY)0.89
PEG (5Y)2.38
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 | 2.49 |
F-Score4
WACC7.24%
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 of POLLARD BANKNOTE LTD (PBL.CA) 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 4 / 10.
Can you provide the financial health for PBL stock?
The financial health rating of POLLARD BANKNOTE LTD (PBL.CA) is 5 / 10.
What is the expected EPS growth for POLLARD BANKNOTE LTD (PBL.CA) stock?
The Earnings per Share (EPS) of POLLARD BANKNOTE LTD (PBL.CA) is expected to grow by 22.11% in the next year.