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
Overall PBL gets a fundamental rating of 5 out of 10. We evaluated PBL against 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 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
- Looking at the Return On Assets, with a value of 4.06%, PBL is in the better half of the industry, outperforming 73.68% of the companies in the same industry.
- The Return On Equity of PBL (7.60%) is comparable to the rest of the industry.
- With a Return On Invested Capital value of 0.80%, PBL perfoms like the industry average, outperforming 47.37% of the companies in the same industry.
- PBL had an Average Return On Invested Capital over the past 3 years of 2.12%. This 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 has a Profit Margin of 4.83%. This is comparable 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.
- With a Operating Margin value of 1.03%, PBL perfoms like the industry average, outperforming 47.37% of the companies in the same industry.
- In the last couple of years the Operating Margin of PBL has declined.
- PBL has a Gross Margin of 17.18%. This is in the lower half of the industry: PBL underperforms 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.
- 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
- PBL has an Altman-Z score of 2.40. 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.
- Looking at the Altman-Z score, with a value of 2.40, PBL belongs to the top of the industry, outperforming 84.21% of the companies in the same industry.
- 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's Debt to FCF ratio of 20.44 is in line compared 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 | 2.4 |
ROIC/WACC0.11
WACC7.29%
2.3 Liquidity
- A Current Ratio of 1.97 indicates that PBL should not have too much problems paying its short term obligations.
- The Current ratio of PBL (1.97) is better than 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 has a better Quick ratio (1.43) than 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.
- The Revenue has been growing slightly by 5.77% in the past year.
- The Revenue has been growing slightly by 6.97% on average over the past years.
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
- PBL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.01% yearly.
- 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 18.34, PBL is valued on the expensive side.
- Compared to the rest of the industry, the Price/Earnings ratio of PBL is on the same level as its industry peers.
- PBL's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.32.
- The Price/Forward Earnings ratio is 8.10, which indicates a very decent valuation of PBL.
- 94.74% of the companies in the same industry are more expensive than PBL, based on the Price/Forward Earnings ratio.
- 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
- 63.16% of the companies in the same industry are more expensive than PBL, based on the Enterprise Value to EBITDA ratio.
- 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 | 53.75 | ||
| 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
- PBL has a Yearly Dividend Yield of 1.06%.
- PBL's Dividend Yield is comparable with the industry average which is at 2.41.
- Compared to an average S&P500 Dividend Yield of 1.83, PBL's dividend is way lower than the S&P500 average.
| 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 paid a dividend for at least 10 years, which is 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.
- 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
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.