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

TSX:PBL • CA73150R1055

18.95 CAD
-0.03 (-0.16%)
Last: Mar 5, 2026, 07:00 PM
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This PBL.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

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 decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

4

1. PBL.CA Profitability Analysis

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.
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 better Return On Assets (4.06%) than 66.67% of its industry peers.
  • With a Return On Equity value of 7.60%, PBL perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • PBL has a Return On Invested Capital (0.80%) which is in line with 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 8.81%.
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 has a Profit Margin (4.83%) which is in line with its industry peers.
  • PBL's Profit Margin has improved in the last couple of years.
  • The Operating Margin of PBL (1.03%) 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 61.11% of its industry peers.
  • In the last couple of years the Gross Margin of PBL has declined.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. PBL.CA Health Analysis

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.
  • The debt/assets ratio for PBL has been reduced compared to a year ago.
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 2.41. 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.
  • The Altman-Z score of PBL (2.41) is better than 83.33% 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.
  • PBL has a Debt to FCF ratio (20.44) which is in line with its industry peers.
  • PBL has a Debt/Equity ratio of 0.51. This is a neutral value indicating PBL is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.51, PBL is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.51
Debt/FCF 20.44
Altman-Z 2.41
ROIC/WACC0.11
WACC7.3%
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.
  • Looking at the Current ratio, with a value of 1.97, PBL belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
  • 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 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

5

3. PBL.CA Growth Analysis

3.1 Past

  • The earnings per share for PBL have decreased strongly by -41.14% in the last year.
  • PBL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.28% yearly.
  • Looking at the last year, PBL shows a small growth in Revenue. The Revenue has grown by 5.77% in the last year.
  • Measured over the past years, PBL shows a small growth in Revenue. The Revenue has been growing by 6.97% on average per year.
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

  • Based on estimates for the next years, PBL will show a very strong growth in Earnings Per Share. The EPS will grow by 35.01% on average per year.
  • 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.
  • 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.
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

  • Based on the Price/Earnings ratio of 18.40, the valuation of PBL can be described as rather expensive.
  • PBL's Price/Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.74. PBL is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 8.12 indicates a reasonable valuation of PBL.
  • PBL's Price/Forward Earnings ratio is rather cheap when compared to the industry. PBL is cheaper than 94.44% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 24.82, PBL is valued rather cheaply.
Industry RankSector Rank
PE 18.4
Fwd PE 8.12
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 25

4.2 Price Multiples

  • PBL's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PBL is cheaper than 66.67% of the companies in the same industry.
  • PBL's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 53.92
EV/EBITDA 12.7
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

  • 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)0.83
PEG (5Y)2.22
EPS Next 2Y35.01%
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 1.04%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.54, PBL has a dividend in line with its industry peers.
  • With a Dividend Yield of 1.04, PBL pays less dividend than the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.04%

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
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 2Y35.01%
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 (3/5/2026, 7:00:00 PM)

18.95

-0.03 (-0.16%)

Chartmill FA Rating
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)11-12
Earnings (Next)03-10
Inst Owners14.46%
Inst Owner ChangeN/A
Ins Owners64.24%
Ins Owner ChangeN/A
Market Cap512.98M
Revenue(TTM)585.52M
Net Income(TTM)28.28M
Analysts80
Price Target34.68 (83.01%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.04%
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)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-11.06%
Revenue NQ rev (1m)0.46%
Revenue NQ rev (3m)0.46%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.67%
Valuation
Industry RankSector Rank
PE 18.4
Fwd PE 8.12
P/S 0.88
P/FCF 53.92
P/OCF 7.49
P/B 1.38
P/tB 4.89
EV/EBITDA 12.7
EPS(TTM)1.03
EY5.44%
EPS(NY)2.33
Fwd EY12.31%
FCF(TTM)0.35
FCFY1.85%
OCF(TTM)2.53
OCFY13.34%
SpS21.63
BVpS13.74
TBVpS3.88
PEG (NY)0.83
PEG (5Y)2.22
Graham Number17.84
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 2.41
F-Score4
WACC7.3%
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 Year63.71%
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 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.


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.