POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PBL - CA73150R1055 - Common Stock
19.67 CAD
+0.32 (+1.65%)
We assign a fundamental rating of 5 out of 10 to PBL. PBL was compared to 17 industry peers in the Hotels, Restaurants & Leisure industry. PBL has an average financial health and profitability rating. PBL is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year PBL was profitable.
PBL had a positive operating cash flow in the past year.
In the past 5 years PBL has always been profitable.
Each year in the past 5 years PBL had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 4.06%, PBL is doing good in the industry, outperforming 70.59% of the companies in the same industry.
With a Return On Equity value of 7.60%, PBL perfoms like the industry average, outperforming 52.94% of the companies in the same industry.
PBL has a Return On Invested Capital (0.80%) 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 6.52%.
| 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 58.82% of its industry peers.
In the last couple of years the Profit Margin of PBL has grown nicely.
PBL's Operating Margin of 1.03% is in line compared to the rest of the industry. PBL outperforms 47.06% of its industry peers.
PBL's Operating Margin has declined in the last couple of years.
PBL has a worse Gross Margin (17.18%) than 64.71% of its industry peers.
PBL's Gross Margin has declined in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PBL is destroying value.
PBL has more shares outstanding than it did 1 year ago.
The number of shares outstanding for PBL has been increased compared to 5 years ago.
Compared to 1 year ago, PBL has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.44 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 2.44. This is in the better half of the industry: PBL outperforms 76.47% of its industry peers.
PBL has a debt to FCF ratio of 20.44. This is a negative value and a sign of low solvency as PBL would need 20.44 years to pay back of all of its debts.
PBL's Debt to FCF ratio of 20.44 is in line compared to the rest of the industry. PBL outperforms 52.94% of its industry peers.
A Debt/Equity ratio of 0.51 indicates that PBL is somewhat dependend on debt financing.
PBL's Debt to Equity ratio of 0.51 is fine compared to the rest of the industry. PBL outperforms 64.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 20.44 | ||
| Altman-Z | 2.44 |
ROIC/WACC0.11
WACC7.53%
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.
PBL has a Current ratio of 1.97. This is amongst the best in the industry. PBL outperforms 88.24% 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 88.24% 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.
Measured over the past years, PBL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.28% on average per year.
Looking at the last year, PBL shows a small growth in Revenue. The Revenue has grown by 5.77% 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)-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
The Earnings Per Share is expected to grow by 35.01% on average over the next years. This is a very strong growth
Based on estimates for the next years, PBL will show a small growth in Revenue. The Revenue will grow by 6.78% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 19.10 indicates a rather expensive valuation of PBL.
PBL's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.57. PBL is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 8.43, the valuation of PBL can be described as reasonable.
PBL's Price/Forward Earnings ratio is rather cheap when compared to the industry. PBL is cheaper than 100.00% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PBL to the average of the S&P500 Index (24.04), we can say PBL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.1 | ||
| Fwd PE | 8.43 |
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.
The rest of the industry has a similar Price/Free Cash Flow ratio as PBL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 55.97 | ||
| EV/EBITDA | 13.04 |
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 35.01% in the coming years.
PEG (NY)0.86
PEG (5Y)2.31
EPS Next 2Y35.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.02%, PBL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.52, PBL has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.00, PBL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.02% |
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 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 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
TSX:PBL (12/24/2025, 7:00:00 PM)
19.67
+0.32 (+1.65%)
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 Cap532.47M
Revenue(TTM)585.52M
Net Income(TTM)28.28M
Analysts80
Price Target35.19 (78.9%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.02% |
Yearly Dividend0.19
Dividend Growth(5Y)4.8%
DP19.14%
Div Incr Years1
Div Non Decr Years13
Ex-Date
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)1.47%
PT rev (3m)2.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.3%
EPS NY rev (1m)-11.06%
EPS NY rev (3m)-13.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.95%
Revenue NY rev (1m)-0.67%
Revenue NY rev (3m)-1.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.1 | ||
| Fwd PE | 8.43 | ||
| P/S | 0.91 | ||
| P/FCF | 55.97 | ||
| P/OCF | 7.78 | ||
| P/B | 1.43 | ||
| P/tB | 5.07 | ||
| EV/EBITDA | 13.04 |
EPS(TTM)1.03
EY5.24%
EPS(NY)2.33
Fwd EY11.86%
FCF(TTM)0.35
FCFY1.79%
OCF(TTM)2.53
OCFY12.86%
SpS21.63
BVpS13.74
TBVpS3.88
PEG (NY)0.86
PEG (5Y)2.31
Graham Number17.84
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.44 |
F-Score4
WACC7.53%
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 Year63.27%
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 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 4 / 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 19.1 and the Price/Book (PB) ratio is 1.43.
Can you provide the financial health for PBL stock?
The financial health rating of POLLARD BANKNOTE LTD (PBL.CA) is 5 / 10.