POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - TSX:PBL - CA73150R1055 - Common Stock
22.64 CAD
+0.26 (+1.16%)
We assign a fundamental rating of 5 out of 10 to PBL. PBL was compared to 17 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
In the past year PBL was profitable.
In the past year PBL had a positive cash flow from operations.
PBL had positive earnings in each of the past 5 years.
Each year in the past 5 years PBL had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 5.29%, PBL is doing good in the industry, outperforming 70.59% of the companies in the same industry.
PBL's Return On Equity of 10.15% is in line compared to the rest of the industry. PBL outperforms 58.82% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.69%, PBL is in line with its industry, outperforming 41.18% 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 below the industry average of 6.54%.
| 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 has a Profit Margin of 6.21%. This is in the better half of the industry: PBL outperforms 64.71% of its industry peers.
PBL's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 2.14%, PBL perfoms like the industry average, outperforming 47.06% of the companies in the same industry.
PBL's Operating Margin has declined in the last couple of years.
With a Gross Margin value of 17.78%, PBL is not doing good in the industry: 70.59% of the companies in the same industry are doing better.
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.
Compared to 1 year ago, PBL has more shares outstanding
The number of shares outstanding for PBL has been increased compared to 5 years ago.
PBL has a better debt/assets ratio than last year.
2.2 Solvency
PBL has an Altman-Z score of 2.62. 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 2.62, PBL is doing good in the industry, outperforming 76.47% 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's Debt to Equity ratio of 0.56 is in line compared to the rest of the industry. PBL outperforms 58.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.62 |
ROIC/WACC0.23
WACC7.28%
2.3 Liquidity
A Current Ratio of 2.00 indicates that PBL has no problem at all paying its short term obligations.
PBL has a Current ratio of 2.00. This is amongst the best in the industry. PBL outperforms 88.24% of its industry peers.
A Quick Ratio of 1.44 indicates that PBL should not have too much problems paying its short term obligations.
With an excellent Quick ratio value of 1.44, PBL belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
| 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.
The Earnings Per Share has been growing by 8.28% on average over the past years. This is quite good.
PBL shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.09%.
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
Based on estimates for the next years, PBL will show a very strong growth in Earnings Per Share. The EPS will grow by 33.17% on average per year.
PBL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.43% yearly.
EPS Next Y37.3%
EPS Next 2Y33.17%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.71%
Revenue Next 2Y6.43%
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
PBL is valuated rather expensively with a Price/Earnings ratio of 17.15.
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 26.89.
With a Price/Forward Earnings ratio of 9.97, the valuation of PBL can be described as very reasonable.
Based on the Price/Forward Earnings ratio, PBL is valued cheaper than 94.12% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PBL to the average of the S&P500 Index (22.99), we can say PBL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.15 | ||
| Fwd PE | 9.97 |
4.2 Price Multiples
PBL's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 13.63 |
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 33.17% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.46
PEG (5Y)2.07
EPS Next 2Y33.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.89%, PBL is not a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 4.30, PBL has a dividend in line with its industry peers.
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 | 0.89% |
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
14.97% of the earnings are spent on dividend by PBL. This is a low number and 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 (10/24/2025, 7:00:00 PM)
22.64
+0.26 (+1.16%)
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 Cap612.86M
Revenue(TTM)582.48M
Net Income(TTM)36.15M
Analysts80
Price Target34.17 (50.93%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.89% |
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)0%
PT rev (3m)-3.6%
EPS NQ rev (1m)0%
EPS NQ rev (3m)10.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.28%
Revenue NY rev (1m)-0.6%
Revenue NY rev (3m)0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.15 | ||
| Fwd PE | 9.97 | ||
| P/S | 1.05 | ||
| P/FCF | N/A | ||
| P/OCF | 15.1 | ||
| P/B | 1.72 | ||
| P/tB | 6.55 | ||
| EV/EBITDA | 13.63 |
EPS(TTM)1.32
EY5.83%
EPS(NY)2.27
Fwd EY10.03%
FCF(TTM)-0.64
FCFYN/A
OCF(TTM)1.5
OCFY6.62%
SpS21.52
BVpS13.16
TBVpS3.46
PEG (NY)0.46
PEG (5Y)2.07
Graham Number19.77
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%
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 Turnover0.85
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 | 2.62 |
F-Score4
WACC7.28%
ROIC/WACC0.23
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 Y37.3%
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 Year5.71%
Revenue Next 2Y6.43%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-18.86%
EBIT growth 3Y0.39%
EBIT growth 5Y-12.66%
EBIT Next Year70.48%
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%
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 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 5 / 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 17.15 and the Price/Book (PB) ratio is 1.72.
Can you provide the financial health for PBL stock?
The financial health rating of POLLARD BANKNOTE LTD (PBL.CA) is 5 / 10.