POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:PBL - CA73150R1055 - Common Stock
19.9 CAD
-0.09 (-0.45%)
Taking everything into account, PBL scores 5 out of 10 in our fundamental rating. PBL was compared to 19 industry peers in the Hotels, Restaurants & Leisure industry. Both the profitability and the financial health of PBL get a neutral evaluation. Nothing too spectacular is happening here. PBL has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- PBL had positive earnings in the past year.
- In the past year PBL had a positive cash flow from operations.
- 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
- 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 of 7.60%. This is comparable to the rest of the industry: PBL outperforms 57.89% of its industry peers.
- PBL has a Return On Invested Capital (0.80%) which is in line with its industry peers.
- 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.
- PBL's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 1.03%, PBL is in line with its industry, outperforming 47.37% of the companies in the same industry.
- In the last couple of years the Operating Margin of PBL has declined.
- Looking at the Gross Margin, with a value of 17.18%, PBL is doing worse than 63.16% of the companies in the same industry.
- 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PBL is destroying value.
- The number of shares outstanding for PBL has been increased compared to 1 year ago.
- The number of shares outstanding for PBL has been increased compared to 5 years ago.
- The debt/assets ratio for PBL has been reduced compared to a year ago.
2.2 Solvency
- An Altman-Z score of 2.46 indicates that PBL is not a great score, but indicates only limited risk for bankruptcy at the moment.
- The Altman-Z score of PBL (2.46) is better than 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 of 20.44. This is comparable to the rest of the industry: PBL outperforms 57.89% of its industry peers.
- PBL has a Debt/Equity ratio of 0.51. This is a neutral value indicating PBL is somewhat dependend on debt financing.
- With a decent Debt to Equity ratio value of 0.51, PBL is doing good in the industry, outperforming 68.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 20.44 | ||
| Altman-Z | 2.46 |
ROIC/WACC0.11
WACC7.24%
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.
- A Quick Ratio of 1.43 indicates that PBL should not have too much problems paying its short term obligations.
- Looking at the Quick ratio, with a value of 1.43, PBL belongs to the top of the industry, outperforming 89.47% of the companies in the same industry.
| 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.
- The Revenue has been growing slightly by 5.77% in the past 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
- 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.
- 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
- The Price/Earnings ratio is 19.32, which indicates a rather expensive current valuation of PBL.
- The rest of the industry has a similar Price/Earnings ratio as PBL.
- When comparing the Price/Earnings ratio of PBL to the average of the S&P500 Index (27.47), we can say PBL is valued slightly cheaper.
- A Price/Forward Earnings ratio of 8.53 indicates a reasonable valuation of PBL.
- PBL's Price/Forward Earnings ratio is rather cheap when compared to the industry. PBL is cheaper than 94.74% of the companies in the same industry.
- PBL is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.32 | ||
| Fwd PE | 8.53 |
4.2 Price Multiples
- PBL's Enterprise Value to EBITDA is on the same level as the industry average.
- The rest of the industry has a similar Price/Free Cash Flow ratio as PBL.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 56.62 | ||
| EV/EBITDA | 13.2 |
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.
- A more expensive valuation may be justified as PBL's earnings are expected to grow with 35.01% in the coming years.
PEG (NY)0.87
PEG (5Y)2.33
EPS Next 2Y35.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a yearly dividend of 0.97%, PBL is not a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.39, PBL has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.89, PBL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.97% |
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 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 (1/16/2026, 7:00:00 PM)
19.9
-0.09 (-0.45%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)03-09 2026-03-09
Inst Owners14.46%
Inst Owner ChangeN/A
Ins Owners64.24%
Ins Owner ChangeN/A
Market Cap538.69M
Revenue(TTM)585.52M
Net Income(TTM)28.28M
Analysts80
Price Target35.19 (76.83%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.97% |
Yearly Dividend0.19
Dividend Growth(5Y)4.8%
DP19.14%
Div Incr Years1
Div Non Decr Years13
Ex-DateN/A
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)0%
PT rev (3m)2.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.3%
EPS NY rev (1m)0%
EPS NY rev (3m)-11.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.95%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.32 | ||
| Fwd PE | 8.53 | ||
| P/S | 0.92 | ||
| P/FCF | 56.62 | ||
| P/OCF | 7.87 | ||
| P/B | 1.45 | ||
| P/tB | 5.13 | ||
| EV/EBITDA | 13.2 |
EPS(TTM)1.03
EY5.18%
EPS(NY)2.33
Fwd EY11.72%
FCF(TTM)0.35
FCFY1.77%
OCF(TTM)2.53
OCFY12.71%
SpS21.63
BVpS13.74
TBVpS3.88
PEG (NY)0.87
PEG (5Y)2.33
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 | 2.46 |
F-Score4
WACC7.24%
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 of POLLARD BANKNOTE LTD (PBL.CA) stock?
ChartMill assigns a valuation rating of 5 / 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.