POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
TSX:PBL - CA73150R1055 - Common Stock
18.75 CAD
+0.1 (+0.54%)
Overall PBL gets a fundamental rating of 5 out of 10. We evaluated PBL against 18 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.
PBL had positive earnings in each of the past 5 years.
PBL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PBL has a better Return On Assets (5.29%) than 72.22% of its industry peers.
PBL has a better Return On Equity (10.15%) than 66.67% of its industry peers.
PBL has a Return On Invested Capital (1.69%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for PBL is below the industry average of 6.35%.
| 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
PBL's Profit Margin of 6.21% is fine compared to the rest of the industry. PBL outperforms 72.22% of its industry peers.
PBL's Profit Margin has improved in the last couple of years.
PBL has a Operating Margin (2.14%) which is in line with its industry peers.
In the last couple of years the Operating Margin of PBL has declined.
PBL's Gross Margin of 17.78% is on the low side compared to the rest of the industry. PBL is outperformed by 66.67% of its industry peers.
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
PBL has an Altman-Z score of 2.43. 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 a decent Altman-Z score value of 2.43, PBL is doing good in the industry, outperforming 77.78% 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.
PBL has a Debt to Equity ratio of 0.56. This is in the better half of the industry: PBL outperforms 61.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.43 |
ROIC/WACC0.2
WACC8.31%
2.3 Liquidity
A Current Ratio of 2.00 indicates that PBL has no problem at all paying its short term obligations.
PBL's Current ratio of 2.00 is amongst the best of the industry. PBL outperforms 88.89% 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 83.33% 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.
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.
Looking at the last year, PBL shows a quite strong growth in Revenue. The Revenue has grown by 10.09% in the last year.
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
The Earnings Per Share is expected to grow by 33.17% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 4.78% on average over the next years.
EPS Next Y41.04%
EPS Next 2Y33.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.35%
Revenue Next 2Y4.78%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 14.20 indicates a correct valuation of PBL.
Based on the Price/Earnings ratio, PBL is valued a bit cheaper than 77.78% of the companies in the same industry.
When comparing the Price/Earnings ratio of PBL to the average of the S&P500 Index (26.84), we can say PBL is valued slightly cheaper.
PBL is valuated reasonably with a Price/Forward Earnings ratio of 8.26.
Based on the Price/Forward Earnings ratio, PBL is valued cheaper than 100.00% of the companies in the same industry.
PBL is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.48, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.2 | ||
| Fwd PE | 8.26 |
4.2 Price Multiples
PBL's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PBL is cheaper than 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 11.84 |
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 33.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)1.72
EPS Next 2Y33.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.05%, PBL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.15, 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 2.32.
| 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 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 14.97% 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.
DP14.97%
EPS Next 2Y33.17%
EPS Next 3YN/A
TSX:PBL (9/3/2025, 7:00:00 PM)
18.75
+0.1 (+0.54%)
Chartmill FA Rating
GICS SectorConsumer Discretionary
GICS IndustryGroupConsumer Services
GICS IndustryHotels, Restaurants & Leisure
Earnings (Last)
Earnings (Next)
Inst Owners11.55%
Inst Owner ChangeN/A
Ins Owners64.24%
Ins Owner ChangeN/A
Market Cap507.56M
Analysts80
Price Target34.17 (82.24%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.05% |
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)-3.6%
PT rev (3m)-4.29%
EPS NQ rev (1m)10.42%
EPS NQ rev (3m)-68.82%
EPS NY rev (1m)-7.98%
EPS NY rev (3m)-7.98%
Revenue NQ rev (1m)-1.28%
Revenue NQ rev (3m)-1.9%
Revenue NY rev (1m)-1.29%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.2 | ||
| Fwd PE | 8.26 | ||
| P/S | 0.87 | ||
| P/FCF | N/A | ||
| P/OCF | 12.5 | ||
| P/B | 1.42 | ||
| P/tB | 5.42 | ||
| EV/EBITDA | 11.84 |
EPS(TTM)1.32
EY7.04%
EPS(NY)2.27
Fwd EY12.11%
FCF(TTM)-0.64
FCFYN/A
OCF(TTM)1.5
OCFY8%
SpS21.52
BVpS13.16
TBVpS3.46
PEG (NY)0.35
PEG (5Y)1.72
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 | 2.43 |
F-Score4
WACC8.31%
ROIC/WACC0.2
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 Y41.04%
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 Year6.35%
Revenue Next 2Y4.78%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-18.86%
EBIT growth 3Y0.39%
EBIT growth 5Y-12.66%
EBIT Next Year75.58%
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%