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  5. PBL: What would a computer hacker attack on Pollard look like and what would be the extent of their liability be given the stakes involved in lottery tickets? [Pollard Banknote Limited]
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Q: What would a computer hacker attack on Pollard look like and what would be the extent of their liability be given the stakes involved in lottery tickets? Or is their liability limited to the printing of tickets only?
CEO stated in the AR that 2025 was a transformative year and turned a net loss to profit though the stock price is still sinking, will 2026 see improvement?
Asked by Jeff on April 07, 2026
5i Research Answer:

PBL prints lottery tickets and offers digital services, and so the most likely scenario in a cyber attack situation would be in the theft or alteration of scratch ticket files or the shutdown of its printing plants. Essentially, the biggest risk would be that it fails to secure printing or a service, and it loses a contract as a result, and faces penalties. 

Its profit margins have been sliding in recent years, but its free cash flow story is strong, which is mostly bolstering its balance sheet right now. Its debt levels are fairly high, with a net debt/EBITDA ratio at 4.5X, but it trades at a cheap valuation of 9X forward earnings. We think it is a 'show-me' story right now, where investors are looking for sustained strength in margins. At its current valuations, we would be comfortable holding here, while assessing future earnings results.