POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PBL - CA73150R1055 - Common Stock
18.95 CAD
-0.44 (-2.27%)
Overall PBL gets a fundamental rating of 5 out of 10. We evaluated PBL against 18 industry peers in the Hotels, Restaurants & Leisure industry. PBL has only an average score on both its financial health and profitability. PBL has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year PBL was profitable.
PBL had a positive operating cash flow in the past year.
Each year in the past 5 years PBL has 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 72.22% of its industry peers.
PBL has a Return On Equity (7.60%) which is comparable to the rest of the industry.
The Return On Invested Capital of PBL (0.80%) is comparable to the rest of the industry.
PBL had an Average Return On Invested Capital over the past 3 years of 2.12%. This 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 has a Profit Margin of 4.83%. This is in the better half of the industry: PBL outperforms 61.11% of its industry peers.
In the last couple of years the Profit Margin of PBL has grown nicely.
Looking at the Operating Margin, with a value of 1.03%, PBL is in line with its industry, outperforming 50.00% of the companies in the same industry.
PBL's Operating Margin has declined in the last couple of years.
The Gross Margin of PBL (17.18%) is worse than 66.67% 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.
PBL has more shares outstanding than it did 1 year ago.
PBL has more shares outstanding than it did 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 2.41. 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.
The Altman-Z score of PBL (2.41) is better than 77.78% 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.
PBL has a Debt/Equity ratio of 0.51. This is a neutral value indicating PBL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.51, 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 | 0.51 | ||
| Debt/FCF | 20.44 | ||
| Altman-Z | 2.41 |
ROIC/WACC0.11
WACC7.49%
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 88.89% of its industry peers.
A Quick Ratio of 1.43 indicates that PBL should not have too much problems paying its short term obligations.
The Quick ratio of PBL (1.43) is better than 88.89% 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.
The Earnings Per Share has been growing by 8.28% on average over the past years. This is quite good.
PBL shows a small growth in Revenue. In the last year, the Revenue has grown by 5.77%.
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)-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
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
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
With a Price/Earnings ratio of 18.40, PBL is valued on the expensive side.
PBL's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 26.34. PBL is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 8.12 indicates a reasonable valuation of PBL.
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.
PBL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.56.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.4 | ||
| Fwd PE | 8.12 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PBL is valued a bit cheaper than 66.67% of the companies in the same industry.
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 | 53.92 | ||
| EV/EBITDA | 12.68 |
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 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 1.04%, PBL has a reasonable but not impressive dividend return.
PBL's Dividend Yield is comparable with the industry average which is at 4.20.
Compared to an average S&P500 Dividend Yield of 2.31, PBL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.04% |
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
PBL pays out 19.14% of its income as dividend. This is a sustainable payout ratio.
The dividend of PBL is growing, but earnings are growing more, so the dividend growth is sustainable.
DP19.14%
EPS Next 2Y35.01%
EPS Next 3YN/A
TSX:PBL (12/8/2025, 7:00:00 PM)
18.95
-0.44 (-2.27%)
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 Cap512.98M
Revenue(TTM)585.52M
Net Income(TTM)28.28M
Analysts80
Price Target35.19 (85.7%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.04% |
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)-16.3%
EPS NQ rev (3m)-16.3%
EPS NY rev (1m)-11.06%
EPS NY rev (3m)-13.43%
Revenue NQ rev (1m)-2.95%
Revenue NQ rev (3m)-2.95%
Revenue NY rev (1m)-0.67%
Revenue NY rev (3m)-1.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.4 | ||
| Fwd PE | 8.12 | ||
| P/S | 0.88 | ||
| P/FCF | 53.92 | ||
| P/OCF | 7.49 | ||
| P/B | 1.38 | ||
| P/tB | 4.89 | ||
| EV/EBITDA | 12.68 |
EPS(TTM)1.03
EY5.44%
EPS(NY)2.33
Fwd EY12.31%
FCF(TTM)0.35
FCFY1.85%
OCF(TTM)2.53
OCFY13.34%
SpS21.63
BVpS13.74
TBVpS3.88
PEG (NY)0.83
PEG (5Y)2.22
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 | 2.41 |
F-Score4
WACC7.49%
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 18.4 and the Price/Book (PB) ratio is 1.38.
Can you provide the financial health for PBL stock?
The financial health rating of POLLARD BANKNOTE LTD (PBL.CA) is 5 / 10.