POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - TSX:PBL - CA73150R1055 - Common Stock
19.87 CAD
+0.65 (+3.38%)
We assign a fundamental rating of 5 out of 10 to PBL. 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.
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.
In the past 5 years PBL always reported a positive cash flow from operatings.
1.2 Ratios
PBL has a better Return On Assets (5.29%) than 72.22% of its industry peers.
The Return On Equity of PBL (10.15%) is better than 66.67% of its industry peers.
PBL has a Return On Invested Capital (1.69%) 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 below the industry average of 6.35%.
| 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
Looking at the Profit Margin, with a value of 6.21%, PBL is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
In the last couple of years the Profit Margin of PBL has grown nicely.
The Operating Margin of PBL (2.14%) is comparable to the rest of the industry.
PBL's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 17.78%, PBL is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
PBL's Gross Margin has declined in the last couple of years.
| 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.
The number of shares outstanding for PBL has been increased compared to 1 year ago.
The number of shares outstanding for PBL has been increased compared to 5 years ago.
The debt/assets ratio for PBL has been reduced compared to a year ago.
2.2 Solvency
PBL has an Altman-Z score of 2.45. 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 (2.45) is better 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.
PBL has a better Debt to Equity ratio (0.56) than 61.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.45 |
ROIC/WACC0.2
WACC8.36%
2.3 Liquidity
A Current Ratio of 2.00 indicates that PBL has no problem at all paying its short term obligations.
The Current ratio of PBL (2.00) is better than 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.
The Quick ratio of PBL (1.44) is better than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2 | ||
| Quick Ratio | 1.44 |
3. Growth
3.1 Past
The earnings per share for PBL have decreased by -3.65% in the last year.
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
The Earnings Per Share is expected to grow by 33.17% on average over the next years. This is a very strong growth
PBL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.78% yearly.
EPS Next Y41.04%
EPS Next 2Y33.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.35%
Revenue Next 2Y4.78%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 15.05, which indicates a correct valuation of PBL.
72.22% of the companies in the same industry are more expensive than PBL, based on the Price/Earnings ratio.
PBL is valuated rather cheaply when we compare the Price/Earnings ratio to 27.27, which is the current average of the S&P500 Index.
PBL is valuated reasonably with a Price/Forward Earnings ratio of 8.75.
Based on the Price/Forward Earnings ratio, PBL is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
PBL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.77.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.05 | ||
| Fwd PE | 8.75 |
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.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 12.06 |
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.
A more expensive valuation may be justified as PBL's earnings are expected to grow with 33.17% in the coming years.
PEG (NY)0.37
PEG (5Y)1.82
EPS Next 2Y33.17%
EPS Next 3YN/A
5. Dividend
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 4.18, 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 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.04% |
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 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
14.97% of the earnings are spent on dividend by PBL. This is a low number and sustainable payout ratio.
PBL's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP14.97%
EPS Next 2Y33.17%
EPS Next 3YN/A
TSX:PBL (9/15/2025, 7:00:00 PM)
19.87
+0.65 (+3.38%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)
Earnings (Next)
Inst Owners11.55%
Inst Owner ChangeN/A
Ins Owners64.24%
Ins Owner ChangeN/A
Market Cap537.88M
Analysts80
Price Target34.17 (71.97%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.04% |
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)-3.6%
PT rev (3m)-3.6%
EPS NQ rev (1m)10.42%
EPS NQ rev (3m)-68.82%
EPS NY rev (1m)-7.98%
EPS NY rev (3m)-7.98%
Revenue NQ rev (1m)-1.28%
Revenue NQ rev (3m)-1.9%
Revenue NY rev (1m)-1.29%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.05 | ||
| Fwd PE | 8.75 | ||
| P/S | 0.92 | ||
| P/FCF | N/A | ||
| P/OCF | 13.25 | ||
| P/B | 1.51 | ||
| P/tB | 5.75 | ||
| EV/EBITDA | 12.06 |
EPS(TTM)1.32
EY6.64%
EPS(NY)2.27
Fwd EY11.42%
FCF(TTM)-0.64
FCFYN/A
OCF(TTM)1.5
OCFY7.55%
SpS21.52
BVpS13.16
TBVpS3.46
PEG (NY)0.37
PEG (5Y)1.82
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%
ROICexcg growth 3Y-10.01%
ROICexcg 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 | 2.45 |
F-Score4
WACC8.36%
ROIC/WACC0.2
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 Y41.04%
EPS Next 2Y33.17%
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 Year6.35%
Revenue Next 2Y4.78%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-18.86%
EBIT growth 3Y0.39%
EBIT growth 5Y-12.66%
EBIT Next Year75.58%
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%