POLLARD BANKNOTE LTD (PBL.CA) Stock Fundamental Analysis
Canada - TSX:PBL - CA73150R1055 - Common Stock
22.4 CAD
+2.07 (+10.18%)
We assign a fundamental rating of 5 out of 10 to PBL. PBL was compared to 18 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
PBL had positive earnings in the past year.
In the past year PBL had a positive cash flow from operations.
Each year in the past 5 years PBL has been profitable.
PBL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PBL has a Return On Assets of 5.29%. This is in the better half of the industry: PBL outperforms 72.22% of its industry peers.
Looking at the Return On Equity, with a value of 10.15%, PBL is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
PBL has a Return On Invested Capital (1.69%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years 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
Looking at the Profit Margin, with a value of 6.21%, PBL is in the better half of the industry, outperforming 72.22% of the companies in the same industry.
In the last couple of years the Profit Margin of PBL has grown nicely.
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.
The Gross Margin of PBL (17.78%) is worse than 66.67% of its industry peers.
In the last couple of years the Gross Margin of PBL has declined.
| 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
PBL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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
PBL has an Altman-Z score of 2.61. 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.
The Altman-Z score of PBL (2.61) is better than 77.78% of its industry peers.
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 better Debt to Equity ratio (0.56) than 61.11% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.56 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 2.61 |
ROIC/WACC0.21
WACC8.17%
2.3 Liquidity
PBL has a Current Ratio of 2.00. This indicates that PBL is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of PBL (2.00) is better than 88.89% of its industry peers.
PBL has a Quick Ratio of 1.44. 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 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.
PBL shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.28% yearly.
Looking at the last year, PBL shows a quite strong growth in Revenue. The Revenue has grown by 10.09% in the last 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)-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.
Based on estimates for the next years, PBL will show a small growth in Revenue. The Revenue will grow by 4.78% on average per year.
EPS Next Y37.3%
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
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 16.97 indicates a correct valuation of PBL.
Based on the Price/Earnings ratio, PBL is valued a bit cheaper than the industry average as 61.11% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of PBL to the average of the S&P500 Index (27.32), we can say PBL is valued slightly cheaper.
The Price/Forward Earnings ratio is 9.87, which indicates a very decent valuation of PBL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PBL indicates a rather cheap valuation: PBL is cheaper than 94.44% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of PBL to the average of the S&P500 Index (22.89), we can say PBL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.97 | ||
| Fwd PE | 9.87 |
4.2 Price Multiples
PBL's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. PBL is cheaper than 61.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 13.52 |
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.
A more expensive valuation may be justified as PBL's earnings are expected to grow with 33.17% in the coming years.
PEG (NY)0.45
PEG (5Y)2.05
EPS Next 2Y33.17%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a yearly dividend of 0.96%, PBL is not a good candidate for dividend investing.
PBL's Dividend Yield is comparable with the industry average which is at 4.21.
Compared to an average S&P500 Dividend Yield of 2.42, PBL's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.96% |
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 14.97% 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.
DP14.97%
EPS Next 2Y33.17%
EPS Next 3YN/A
TSX:PBL (9/26/2025, 7:00:00 PM)
22.4
+2.07 (+10.18%)
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 Cap606.37M
Analysts80
Price Target34.17 (52.54%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0.96% |
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)-68.82%
EPS NY rev (1m)-2.66%
EPS NY rev (3m)-10.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.97 | ||
| Fwd PE | 9.87 | ||
| P/S | 1.04 | ||
| P/FCF | N/A | ||
| P/OCF | 14.94 | ||
| P/B | 1.7 | ||
| P/tB | 6.48 | ||
| EV/EBITDA | 13.52 |
EPS(TTM)1.32
EY5.89%
EPS(NY)2.27
Fwd EY10.13%
FCF(TTM)-0.64
FCFYN/A
OCF(TTM)1.5
OCFY6.7%
SpS21.52
BVpS13.16
TBVpS3.46
PEG (NY)0.45
PEG (5Y)2.05
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 | 2.61 |
F-Score4
WACC8.17%
ROIC/WACC0.21
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 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 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%