POLLARD BANKNOTE LTD (PBL.CA) Fundamental Analysis & Valuation
TSX:PBL • CA73150R1055
Current stock price
18.39 CAD
+0.55 (+3.08%)
Last:
This PBL.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. PBL.CA Profitability Analysis
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.
- Each year in the past 5 years PBL had a positive operating cash flow.
1.2 Ratios
- PBL has a Return On Assets (4.98%) which is in line with its industry peers.
- PBL's Return On Equity of 9.28% is in line compared to the rest of the industry. PBL outperforms 41.18% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 0.12%, PBL is in line with its industry, outperforming 41.18% 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 9.01%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.98% | ||
| ROE | 9.28% | ||
| ROIC | 0.12% |
ROA(3y)5.53%
ROA(5y)4.94%
ROE(3y)10.42%
ROE(5y)9.68%
ROIC(3y)1.25%
ROIC(5y)1.82%
1.3 Margins
- PBL's Profit Margin of 5.81% is in line compared to the rest of the industry. PBL outperforms 47.06% of its industry peers.
- In the last couple of years the Profit Margin of PBL has declined.
- PBL has a Operating Margin (0.16%) which is comparable to the rest of the industry.
- In the last couple of years the Operating Margin of PBL has declined.
- With a Gross Margin value of 16.74%, PBL is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
- In the last couple of years the Gross Margin of PBL has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 0.16% | ||
| PM (TTM) | 5.81% | ||
| GM | 16.74% |
OM growth 3Y-59.53%
OM growth 5Y-55.69%
PM growth 3Y13.41%
PM growth 5Y-6.28%
GM growth 3Y-0.97%
GM growth 5Y-5.29%
2. PBL.CA Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PBL is destroying value.
- Compared to 1 year ago, PBL has about the same amount of shares outstanding.
- Compared to 5 years ago, PBL has more shares outstanding
- Compared to 1 year ago, PBL has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 2.35 indicates that PBL is not a great score, but indicates only limited risk for bankruptcy at the moment.
- PBL has a Altman-Z score of 2.35. This is amongst the best in the industry. PBL outperforms 82.35% of its industry peers.
- The Debt to FCF ratio of PBL is 6.98, which is on the high side as it means it would take PBL, 6.98 years of fcf income to pay off all of its debts.
- With a decent Debt to FCF ratio value of 6.98, PBL is doing good in the industry, outperforming 70.59% of the companies in the same industry.
- PBL has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
- PBL has a better Debt to Equity ratio (0.45) than 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | 6.98 | ||
| Altman-Z | 2.35 |
ROIC/WACC0.02
WACC7.16%
2.3 Liquidity
- A Current Ratio of 1.69 indicates that PBL should not have too much problems paying its short term obligations.
- PBL's Current ratio of 1.69 is amongst the best of the industry. PBL outperforms 88.24% of its industry peers.
- A Quick Ratio of 1.22 indicates that PBL should not have too much problems paying its short term obligations.
- With an excellent Quick ratio value of 1.22, PBL belongs to the best of the industry, outperforming 82.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.69 | ||
| Quick Ratio | 1.22 |
3. PBL.CA Growth Analysis
3.1 Past
- PBL shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.56%.
- The Earnings Per Share has been decreasing by -0.47% on average over the past years.
- Looking at the last year, PBL shows a small growth in Revenue. The Revenue has grown by 6.99% in the last year.
- PBL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.56% yearly.
EPS 1Y (TTM)-1.56%
EPS 3Y21.07%
EPS 5Y-0.47%
EPS Q2Q%383.33%
Revenue 1Y (TTM)6.99%
Revenue growth 3Y7.21%
Revenue growth 5Y7.56%
Sales Q2Q%7.48%
3.2 Future
- The Earnings Per Share is expected to grow by 38.80% 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 6.19% yearly.
EPS Next Y63.52%
EPS Next 2Y38.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.49%
Revenue Next 2Y6.19%
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. PBL.CA Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 14.60, which indicates a correct valuation of PBL.
- 64.71% of the companies in the same industry are more expensive than PBL, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 26.51. PBL is valued slightly cheaper when compared to this.
- The Price/Forward Earnings ratio is 8.93, which indicates a very decent valuation of PBL.
- Based on the Price/Forward Earnings ratio, PBL is valued cheaply inside the industry as 94.12% 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 21.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.6 | ||
| Fwd PE | 8.93 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PBL is valued a bit cheaper than the industry average as 64.71% of the companies are valued more expensively.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of PBL is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.08 | ||
| EV/EBITDA | 12.81 |
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 38.80% in the coming years.
PEG (NY)0.23
PEG (5Y)N/A
EPS Next 2Y38.8%
EPS Next 3YN/A
5. PBL.CA Dividend Analysis
5.1 Amount
- PBL has a Yearly Dividend Yield of 1.12%.
- Compared to an average industry Dividend Yield of 2.50, PBL has a dividend in line with its industry peers.
- Compared to the average S&P500 Dividend Yield of 1.80, PBL is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.12% |
5.2 History
- The dividend of PBL has a limited annual growth rate of 4.59%.
- PBL has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)4.59%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 15.62% 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.
DP15.62%
EPS Next 2Y38.8%
EPS Next 3YN/A
PBL.CA Fundamentals: All Metrics, Ratios and Statistics
TSX:PBL (5/1/2026, 7:00:00 PM)
18.39
+0.55 (+3.08%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Industry Strength3.13
Industry Growth23.88
Earnings (Last)03-10 2026-03-10/amc
Earnings (Next)05-13 2026-05-13
Inst Owners12.78%
Inst Owner ChangeN/A
Ins Owners63.99%
Ins Owner ChangeN/A
Market Cap497.82M
Revenue(TTM)596.02M
Net Income(TTM)34.65M
Analysts80
Price Target34.94 (89.99%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.12% |
Yearly Dividend0.2
Dividend Growth(5Y)4.59%
DP15.62%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31 2026-03-31 (0.05)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-44.13%
Min EPS beat(2)-57.39%
Max EPS beat(2)-30.88%
EPS beat(4)1
Avg EPS beat(4)-25.53%
Min EPS beat(4)-57.39%
Max EPS beat(4)21.64%
EPS beat(8)3
Avg EPS beat(8)-14.07%
EPS beat(12)6
Avg EPS beat(12)1.76%
EPS beat(16)8
Avg EPS beat(16)-0.11%
Revenue beat(2)0
Avg Revenue beat(2)-2.42%
Min Revenue beat(2)-4.77%
Max Revenue beat(2)-0.06%
Revenue beat(4)1
Avg Revenue beat(4)-0.97%
Min Revenue beat(4)-4.77%
Max Revenue beat(4)5.63%
Revenue beat(8)3
Avg Revenue beat(8)-0.94%
Revenue beat(12)6
Avg Revenue beat(12)-0.62%
Revenue beat(16)8
Avg Revenue beat(16)-0.9%
PT rev (1m)0%
PT rev (3m)-0.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-18.18%
EPS NY rev (1m)-7.97%
EPS NY rev (3m)-11.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.74%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.6 | ||
| Fwd PE | 8.93 | ||
| P/S | 0.84 | ||
| P/FCF | 20.08 | ||
| P/OCF | 5.95 | ||
| P/B | 1.33 | ||
| P/tB | 4.72 | ||
| EV/EBITDA | 12.81 |
EPS(TTM)1.26
EY6.85%
EPS(NY)2.06
Fwd EY11.2%
FCF(TTM)0.92
FCFY4.98%
OCF(TTM)3.09
OCFY16.8%
SpS22.02
BVpS13.79
TBVpS3.9
PEG (NY)0.23
PEG (5Y)N/A
Graham Number19.7752 (7.53%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.98% | ||
| ROE | 9.28% | ||
| ROCE | 0.18% | ||
| ROIC | 0.12% | ||
| ROICexc | 0.13% | ||
| ROICexgc | 0.26% | ||
| OM | 0.16% | ||
| PM (TTM) | 5.81% | ||
| GM | 16.74% | ||
| FCFM | 4.16% |
ROA(3y)5.53%
ROA(5y)4.94%
ROE(3y)10.42%
ROE(5y)9.68%
ROIC(3y)1.25%
ROIC(5y)1.82%
ROICexc(3y)1.29%
ROICexc(5y)1.85%
ROICexgc(3y)2.7%
ROICexgc(5y)4%
ROCE(3y)1.85%
ROCE(5y)2.71%
ROICexgc growth 3Y-61.11%
ROICexgc growth 5Y-56.07%
ROICexc growth 3Y-60.51%
ROICexc growth 5Y-56.46%
OM growth 3Y-59.53%
OM growth 5Y-55.69%
PM growth 3Y13.41%
PM growth 5Y-6.28%
GM growth 3Y-0.97%
GM growth 5Y-5.29%
F-Score4
Asset Turnover0.86
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | 6.98 | ||
| Debt/EBITDA | 3.33 | ||
| Cap/Depr | 119.64% | ||
| Cap/Sales | 9.87% | ||
| Interest Coverage | 0.09 | ||
| Cash Conversion | 166.75% | ||
| Profit Quality | 71.55% | ||
| Current Ratio | 1.69 | ||
| Quick Ratio | 1.22 | ||
| Altman-Z | 2.35 |
F-Score4
WACC7.16%
ROIC/WACC0.02
Cap/Depr(3y)108.78%
Cap/Depr(5y)99.09%
Cap/Sales(3y)8.96%
Cap/Sales(5y)8.27%
Profit Quality(3y)70.83%
Profit Quality(5y)86.3%
High Growth Momentum
Growth
EPS 1Y (TTM)-1.56%
EPS 3Y21.07%
EPS 5Y-0.47%
EPS Q2Q%383.33%
EPS Next Y63.52%
EPS Next 2Y38.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)6.99%
Revenue growth 3Y7.21%
Revenue growth 5Y7.56%
Sales Q2Q%7.48%
Revenue Next Year7.49%
Revenue Next 2Y6.19%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-94.76%
EBIT growth 3Y-56.62%
EBIT growth 5Y-52.35%
EBIT Next Year78.07%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y24.46%
FCF growth 3Y5.73%
FCF growth 5Y-7.09%
OCF growth 1Y13.18%
OCF growth 3Y15.56%
OCF growth 5Y7%
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 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.
What is the profitability of PBL stock?
POLLARD BANKNOTE LTD (PBL.CA) has a profitability rating of 4 / 10.
What is the valuation of POLLARD BANKNOTE LTD based on its PE and PB ratios?
The Price/Earnings (PE) ratio for POLLARD BANKNOTE LTD (PBL.CA) is 14.6 and the Price/Book (PB) ratio is 1.33.
What is the earnings growth outlook for POLLARD BANKNOTE LTD?
The Earnings per Share (EPS) of POLLARD BANKNOTE LTD (PBL.CA) is expected to grow by 63.52% in the next year.