POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:PBL • CA73150R1055
18.89 CAD
+0.08 (+0.43%)
Last: Jan 30, 2026, 07:00 PM
PBL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 19 industry peers in the Hotels, Restaurants & Leisure industry. PBL has only an average score on both its financial health and profitability. PBL is not valued too expensively and it also shows a decent growth rate.
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.
- In the past 5 years PBL has always been profitable.
- PBL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- PBL has a Return On Assets of 4.06%. This is in the better half of the industry: PBL outperforms 73.68% of its industry peers.
- PBL has a Return On Equity (7.60%) which is in line with its industry peers.
- The Return On Invested Capital of PBL (0.80%) is comparable to the rest of the industry.
- The Average Return On Invested Capital over the past 3 years for PBL is significantly below the industry average of 8.63%.
| Industry Rank | Sector 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%
1.3 Margins
- PBL's Profit Margin of 4.83% is in line compared to the rest of the industry. PBL outperforms 57.89% 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 in line with its industry peers.
- In the last couple of years the Operating Margin of PBL has declined.
- PBL's Gross Margin of 17.18% is on the low side compared to the rest of the industry. PBL is outperformed by 63.16% of its industry peers.
- In the last couple of years the Gross Margin of PBL has declined.
| Industry Rank | Sector 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%
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.
- Compared to 1 year ago, PBL has more shares outstanding
- Compared to 5 years ago, PBL has more shares outstanding
- PBL has a better debt/assets ratio than last year.
2.2 Solvency
- An Altman-Z score of 2.40 indicates that PBL is not a great score, but indicates only limited risk for bankruptcy at the moment.
- PBL's Altman-Z score of 2.40 is amongst the best of the industry. PBL outperforms 84.21% 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 comparable to the rest of the industry.
- A Debt/Equity ratio of 0.51 indicates that PBL is somewhat dependend on debt financing.
- PBL has a Debt to Equity ratio of 0.51. This is in the better half of the industry: PBL outperforms 68.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 20.44 | ||
| Altman-Z | 2.4 |
ROIC/WACC0.11
WACC7.36%
2.3 Liquidity
- A Current Ratio of 1.97 indicates that PBL should not have too much problems paying its short term obligations.
- PBL has a Current ratio of 1.97. This is amongst the best in the industry. PBL outperforms 89.47% of its industry peers.
- 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.
- PBL's Quick ratio of 1.43 is amongst the best of the industry. PBL outperforms 89.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.97 | ||
| Quick Ratio | 1.43 |
3. Growth
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.
- PBL shows a small growth in Revenue. In the last year, the Revenue has grown by 5.77%.
- PBL shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.97% yearly.
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.
- PBL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.78% yearly.
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.
- 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 18.34 indicates a rather expensive valuation of PBL.
- PBL's Price/Earnings ratio is in line with the industry average.
- When comparing the Price/Earnings ratio of PBL to the average of the S&P500 Index (28.32), we can say PBL is valued slightly cheaper.
- Based on the Price/Forward Earnings ratio of 8.10, the valuation of PBL can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PBL indicates a rather cheap valuation: PBL is cheaper than 94.74% of the companies listed in the same industry.
- PBL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.34 | ||
| Fwd PE | 8.1 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PBL is valued a bit cheaper than 63.16% of the companies in the same industry.
- PBL's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 53.75 | ||
| EV/EBITDA | 12.65 |
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.
- PBL's earnings are expected to grow with 35.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.83
PEG (5Y)2.22
EPS Next 2Y35.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.06%, PBL has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.41, PBL has a dividend in line with its industry peers.
- With a Dividend Yield of 1.06, PBL pays less dividend than the S&P500 average, which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.06% |
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
- 19.14% 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.
DP19.14%
EPS Next 2Y35.01%
EPS Next 3YN/A
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.