POLLARD BANKNOTE LTD (PBL.CA) Fundamental Analysis & Valuation

TSX:PBL • CA73150R1055

Current stock price

17.95 CAD
-0.12 (-0.66%)
Last:

This PBL.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. PBL.CA Profitability Analysis

1.1 Basic Checks

  • In the past year PBL was profitable.
  • In the past year PBL had a positive cash flow from operations.
  • PBL had positive earnings in 4 of the past 5 years.
  • PBL had a positive operating cash flow in 4 of the past 5 years.
PBL.CA Yearly Net Income VS EBIT VS OCF VS FCFPBL.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

  • PBL has a Return On Assets of 4.06%. This is comparable to the rest of the industry: PBL outperforms 55.56% of its industry peers.
  • With a Return On Equity value of 7.60%, PBL perfoms like the industry average, outperforming 44.44% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 0.80%, PBL is in line with its industry, outperforming 44.44% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for PBL is significantly below the industry average of 8.90%.
Industry RankSector 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%
PBL.CA Yearly ROA, ROE, ROICPBL.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

1.3 Margins

  • PBL's Profit Margin of 4.83% 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 Profit Margin of PBL has grown nicely.
  • 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 worse Gross Margin (17.18%) than 61.11% of its industry peers.
  • PBL's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
PBL.CA Yearly Profit, Operating, Gross MarginsPBL.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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5

2. PBL.CA Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PBL is destroying value.
  • PBL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PBL.CA Yearly Shares OutstandingPBL.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M 25M
PBL.CA Yearly Total Debt VS Total AssetsPBL.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

  • PBL has an Altman-Z score of 2.36. 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's Altman-Z score of 2.36 is amongst the best of the industry. PBL outperforms 83.33% of its industry peers.
  • PBL has a debt to FCF ratio of 20.44. This is a negative value and a sign of low solvency as PBL would need 20.44 years to pay back of 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.
  • The Debt to Equity ratio of PBL (0.51) is better than 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 20.44
Altman-Z 2.36
ROIC/WACC0.11
WACC7.19%
PBL.CA Yearly LT Debt VS Equity VS FCFPBL.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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.
  • With an excellent Current ratio value of 1.97, PBL belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
  • 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 88.89% of its industry peers.
Industry RankSector Rank
Current Ratio 1.97
Quick Ratio 1.43
PBL.CA Yearly Current Assets VS Current LiabilitesPBL.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

0

3. PBL.CA Growth Analysis

3.1 Past

  • The earnings per share for PBL have decreased by -1.56% in the last year.
  • PBL shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -0.47% yearly.
EPS 1Y (TTM)-1.56%
EPS 3Y21.07%
EPS 5Y-0.47%
EPS Q2Q%383.33%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.48%

3.2 Future

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y77.69%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.8%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PBL.CA Yearly Revenue VS EstimatesPBL.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 200M 400M 600M
PBL.CA Yearly EPS VS EstimatesPBL.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

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6

4. PBL.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • PBL is valuated correctly with a Price/Earnings ratio of 14.25.
  • Compared to the rest of the industry, the Price/Earnings ratio of PBL indicates a somewhat cheap valuation: PBL is cheaper than 61.11% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, PBL is valued a bit cheaper.
  • A Price/Forward Earnings ratio of 8.02 indicates a reasonable valuation of PBL.
  • Based on the Price/Forward Earnings ratio, PBL is valued cheaper than 94.44% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of PBL to the average of the S&P500 Index (22.19), we can say PBL is valued rather cheaply.
Industry RankSector Rank
PE 14.25
Fwd PE 8.02
PBL.CA Price Earnings VS Forward Price EarningsPBL.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

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.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as PBL.
Industry RankSector Rank
P/FCF 51.07
EV/EBITDA 12.24
PBL.CA Per share dataPBL.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. PBL.CA Dividend Analysis

5.1 Amount

  • PBL has a Yearly Dividend Yield of 1.09%.
  • Compared to an average industry Dividend Yield of 2.58, PBL has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.90, PBL's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.09%

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
PBL.CA Yearly Dividends per sharePBL.CA Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

  • PBL pays out 19.14% 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.
DP19.14%
EPS Next 2YN/A
EPS Next 3YN/A
PBL.CA Yearly Income VS Free CF VS DividendPBL.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
PBL.CA Dividend Payout.PBL.CA Dividend Payout, showing the Payout Ratio.PBL.CA Dividend Payout.PayoutRetained Earnings

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PBL.CA Fundamentals: All Metrics, Ratios and Statistics

POLLARD BANKNOTE LTD

TSX:PBL (3/27/2026, 7:00:00 PM)

17.95

-0.12 (-0.66%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)03-10
Earnings (Next)05-05
Inst Owners13.67%
Inst Owner ChangeN/A
Ins Owners64%
Ins Owner ChangeN/A
Market Cap485.91M
Revenue(TTM)N/A
Net Income(TTM)28.28M
Analysts80
Price Target34.68 (93.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.09%
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)-1.45%
PT rev (3m)-1.45%
EPS NQ rev (1m)2.6%
EPS NQ rev (3m)2.6%
EPS NY rev (1m)-3.72%
EPS NY rev (3m)-3.72%
Revenue NQ rev (1m)1.38%
Revenue NQ rev (3m)1.38%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)0.27%
Valuation
Industry RankSector Rank
PE 14.25
Fwd PE 8.02
P/S 0.83
P/FCF 51.07
P/OCF 7.1
P/B 1.31
P/tB 4.63
EV/EBITDA 12.24
EPS(TTM)1.26
EY7.02%
EPS(NY)2.24
Fwd EY12.47%
FCF(TTM)0.35
FCFY1.96%
OCF(TTM)2.53
OCFY14.09%
SpS21.63
BVpS13.74
TBVpS3.88
PEG (NY)0.18
PEG (5Y)N/A
Graham Number19.74
Profitability
Industry RankSector 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 RankSector 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 2.36
F-Score4
WACC7.19%
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)-1.56%
EPS 3Y21.07%
EPS 5Y-0.47%
EPS Q2Q%383.33%
EPS Next Y77.69%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%7.48%
Revenue Next Year7.8%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-71.48%
EBIT growth 3Y0.39%
EBIT growth 5Y-12.66%
EBIT Next Year64.2%
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 Fundamental Analysis FAQ

What is the ChartMill fundamental rating of POLLARD BANKNOTE LTD (PBL.CA) stock?

ChartMill assigns a fundamental rating of 4 / 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.


Can you provide the profitability details for POLLARD BANKNOTE LTD?

POLLARD BANKNOTE LTD (PBL.CA) has a profitability rating of 3 / 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 77.69% in the next year.