POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - TSX:PBL - CA73150R1055 - Common Stock
22.21 CAD
+0.46 (+2.11%)
We assign a fundamental rating of 5 out of 10 to PBL. PBL was compared to 16 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
PBL has a Return On Assets of 5.29%. This is in the better half of the industry: PBL outperforms 68.75% of its industry peers.
With a decent Return On Equity value of 10.15%, PBL is doing good in the industry, outperforming 62.50% 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 6.47%.
| 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
With a decent Profit Margin value of 6.21%, PBL is doing good in the industry, outperforming 68.75% of the companies in the same industry.
In the last couple of years the Profit Margin of PBL has grown nicely.
PBL has a Operating Margin of 2.14%. This is comparable to the rest of the industry: PBL outperforms 50.00% of its industry peers.
In the last couple of years the Operating Margin of PBL has declined.
With a Gross Margin value of 17.78%, PBL is not doing good in the industry: 68.75% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PBL is destroying value.
PBL has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, PBL has more shares outstanding
The debt/assets ratio for PBL has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 2.60 indicates that PBL is not a great score, but indicates only limited risk for bankruptcy at the moment.
With a decent Altman-Z score value of 2.60, PBL is doing good in the industry, outperforming 75.00% of the companies in the same industry.
PBL has a Debt/Equity ratio of 0.56. This is a neutral value indicating PBL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.56, PBL is in line with its industry, outperforming 56.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.6 |
ROIC/WACC0.23
WACC7.41%
2.3 Liquidity
A Current Ratio of 2.00 indicates that PBL has no problem at all paying its short term obligations.
PBL has a Current ratio of 2.00. This is amongst the best in the industry. PBL outperforms 87.50% of its industry peers.
A Quick Ratio of 1.44 indicates that PBL should not have too much problems paying its short term obligations.
PBL has a Quick ratio of 1.44. This is amongst the best in the industry. PBL outperforms 87.50% 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.
The Revenue has grown by 10.09% in the past year. This is quite good.
Measured over the past years, PBL shows a small growth in Revenue. The Revenue has been growing by 6.97% on average per year.
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
Based on estimates for the next years, PBL will show a very strong growth in Earnings Per Share. The EPS will grow by 33.17% on average per year.
Based on estimates for the next years, PBL will show a small growth in Revenue. The Revenue will grow by 6.43% on average per year.
EPS Next Y37.3%
EPS Next 2Y33.17%
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
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
PBL is valuated correctly with a Price/Earnings ratio of 16.83.
PBL's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.29. PBL is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 9.78, which indicates a very decent valuation of PBL.
Based on the Price/Forward Earnings ratio, PBL is valued cheaply inside the industry as 93.75% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 22.85. PBL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.83 | ||
| Fwd PE | 9.78 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PBL indicates a somewhat cheap valuation: PBL is cheaper than 62.50% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 13.44 |
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 33.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)2.03
EPS Next 2Y33.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.87%, PBL is not a good candidate for dividend investing.
PBL's Dividend Yield is comparable with the industry average which is at 4.32.
Compared to an average S&P500 Dividend Yield of 2.38, PBL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.87% |
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 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
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 2Y33.17%
EPS Next 3YN/A
TSX:PBL (10/16/2025, 7:00:00 PM)
22.21
+0.46 (+2.11%)
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 Cap601.22M
Analysts80
Price Target34.17 (53.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.87% |
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)0%
PT rev (3m)-3.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.42%
EPS NY rev (1m)-2.66%
EPS NY rev (3m)-10.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.28%
Revenue NY rev (1m)-0.6%
Revenue NY rev (3m)0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.83 | ||
| Fwd PE | 9.78 | ||
| P/S | 1.03 | ||
| P/FCF | N/A | ||
| P/OCF | 14.81 | ||
| P/B | 1.69 | ||
| P/tB | 6.42 | ||
| EV/EBITDA | 13.44 |
EPS(TTM)1.32
EY5.94%
EPS(NY)2.27
Fwd EY10.22%
FCF(TTM)-0.64
FCFYN/A
OCF(TTM)1.5
OCFY6.75%
SpS21.52
BVpS13.16
TBVpS3.46
PEG (NY)0.45
PEG (5Y)2.03
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 | 2.6 |
F-Score4
WACC7.41%
ROIC/WACC0.23
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 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 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%