POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - TSX:PBL - CA73150R1055 - Common Stock
18.53 CAD
-1.47 (-7.35%)
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.
PBL had a positive operating cash flow in the past year.
Each year in the past 5 years PBL has been profitable.
In the past 5 years PBL always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of PBL (5.29%) is better than 72.22% of its industry peers.
Looking at the Return On Equity, with a value of 10.15%, PBL is in the better half of the industry, outperforming 61.11% of the companies in the same industry.
PBL has a Return On Invested Capital (1.69%) which is in line with its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for PBL is below the industry average of 6.56%.
| 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 66.67% of the companies in the same industry.
PBL's Profit Margin has improved in the last couple of years.
PBL has a Operating Margin (2.14%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of PBL has declined.
The Gross Margin of PBL (17.78%) is worse than 66.67% of its industry peers.
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 2.49. 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 has a Altman-Z score of 2.49. This is in the better half of the industry: PBL outperforms 77.78% of its industry peers.
A Debt/Equity ratio of 0.56 indicates that 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 | 2.49 |
ROIC/WACC0.24
WACC7.16%
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.
The Current ratio of PBL (2.00) is better than 88.89% of its industry peers.
A Quick Ratio of 1.44 indicates that PBL should not have too much problems paying its short term obligations.
The Quick ratio of PBL (1.44) is better than 88.89% 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.
PBL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.97% yearly.
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 36.68% 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 6.43% yearly.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.04 indicates a correct valuation of PBL.
Compared to the rest of the industry, the Price/Earnings ratio of PBL indicates a somewhat cheap valuation: PBL is cheaper than 66.67% of the companies listed in the same industry.
PBL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.91.
With a Price/Forward Earnings ratio of 7.75, the valuation of PBL can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PBL indicates a rather cheap valuation: PBL is cheaper than 94.44% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.57, PBL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.04 | ||
| Fwd PE | 7.75 |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than PBL, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 12.39 |
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)1.7
EPS Next 2Y36.68%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PBL has a Yearly Dividend Yield of 1.00%.
Compared to an average industry Dividend Yield of 4.33, PBL has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, PBL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1% |
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
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 (11/13/2025, 7:00:00 PM)
18.53
-1.47 (-7.35%)
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 Cap501.61M
Revenue(TTM)582.48M
Net Income(TTM)36.15M
Analysts80
Price Target34.68 (87.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1% |
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 | 14.04 | ||
| Fwd PE | 7.75 | ||
| P/S | 0.86 | ||
| P/FCF | N/A | ||
| P/OCF | 12.36 | ||
| P/B | 1.41 | ||
| P/tB | 5.36 | ||
| EV/EBITDA | 12.39 |
EPS(TTM)1.32
EY7.12%
EPS(NY)2.39
Fwd EY12.9%
FCF(TTM)-0.64
FCFYN/A
OCF(TTM)1.5
OCFY8.09%
SpS21.52
BVpS13.16
TBVpS3.46
PEG (NY)0.38
PEG (5Y)1.7
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 | 2.49 |
F-Score4
WACC7.16%
ROIC/WACC0.24
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 14.04 and the Price/Book (PB) ratio is 1.41.
Can you provide the financial health for PBL stock?
The financial health rating of POLLARD BANKNOTE LTD (PBL.CA) is 5 / 10.