POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
TSX:PBL • CA73150R1055
18.81 CAD
-0.03 (-0.16%)
Last: Feb 24, 2026, 07:00 PM
PBL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 17 industry peers in the Hotels, Restaurants & Leisure industry. PBL has only an average score on both its financial health and profitability. 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.
- In the past year PBL had a positive cash flow from operations.
- In the past 5 years PBL has always 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 4.06%. This is in the better half of the industry: PBL outperforms 70.59% of its industry peers.
- PBL has a Return On Equity (7.60%) which is in line with its industry peers.
- PBL's Return On Invested Capital of 0.80% is in line compared to the rest of the industry. PBL outperforms 41.18% of 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
- The Profit Margin of PBL (4.83%) is comparable to the rest of the industry.
- In the last couple of years the Profit Margin of PBL has grown nicely.
- The Operating Margin of PBL (1.03%) is comparable to the rest of the industry.
- PBL's Operating Margin has declined in the last couple of years.
- The Gross Margin of PBL (17.18%) is worse 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
- 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.
- PBL has more shares outstanding than it did 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.
- With an excellent Altman-Z score value of 2.40, PBL belongs to the best of the industry, outperforming 82.35% 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 has a Debt to FCF ratio (20.44) which is in line with 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.
- Looking at the Debt to Equity ratio, with a value of 0.51, PBL is in the better half of the industry, outperforming 64.71% 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
WACC7.3%
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.
- Looking at the Current ratio, with a value of 1.97, PBL belongs to the top of the industry, outperforming 88.24% of the companies in the same industry.
- A Quick Ratio of 1.43 indicates that PBL should not have too much problems paying its short term obligations.
- With an excellent Quick ratio value of 1.43, PBL belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.97 | ||
| Quick Ratio | 1.43 |
3. Growth
3.1 Past
- PBL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -41.14%.
- 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.
- 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
- 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.
- 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
- A Price/Earnings ratio of 18.26 indicates a rather expensive valuation of PBL.
- PBL's Price/Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Earnings ratio of 26.98, PBL is valued a bit cheaper.
- Based on the Price/Forward Earnings ratio of 8.06, the valuation of PBL can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PBL indicates a rather cheap valuation: PBL is cheaper than 94.12% of the companies listed 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 28.01.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.26 | ||
| Fwd PE | 8.06 |
4.2 Price Multiples
- PBL's Enterprise Value to EBITDA ratio is in line with the industry average.
- PBL's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 53.52 | ||
| EV/EBITDA | 12.63 |
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)0.83
PEG (5Y)2.21
EPS Next 2Y35.01%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- PBL has a Yearly Dividend Yield of 1.05%.
- Compared to an average industry Dividend Yield of 2.53, PBL has a dividend in line with its industry peers.
- With a Dividend Yield of 1.05, PBL pays less dividend than the S&P500 average, which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.05% |
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.
- 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 (2/24/2026, 7:00:00 PM)
18.81
-0.03 (-0.16%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)11-12 2025-11-12/amc
Earnings (Next)03-10 2026-03-10
Inst Owners14.46%
Inst Owner ChangeN/A
Ins Owners64.24%
Ins Owner ChangeN/A
Market Cap509.19M
Revenue(TTM)585.52M
Net Income(TTM)28.28M
Analysts80
Price Target35.19 (87.08%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.05% |
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-11.06%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.26 | ||
| Fwd PE | 8.06 | ||
| P/S | 0.87 | ||
| P/FCF | 53.52 | ||
| P/OCF | 7.44 | ||
| P/B | 1.37 | ||
| P/tB | 4.85 | ||
| EV/EBITDA | 12.63 |
EPS(TTM)1.03
EY5.48%
EPS(NY)2.33
Fwd EY12.4%
FCF(TTM)0.35
FCFY1.87%
OCF(TTM)2.53
OCFY13.44%
SpS21.63
BVpS13.74
TBVpS3.88
PEG (NY)0.83
PEG (5Y)2.21
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 | 2.4 |
F-Score4
WACC7.3%
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.