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Overview

Detailed Summary

Pine Labs Limited is a technology firm specializing in digital payment solutions, serving merchants, consumer brands, and financial institutions globally.
The company achieved record quarterly revenue of ₹744 Cr in Q3 FY26, reflecting a 24% YoY growth, underpinned by robust performance across product lines.
Pine Labs harnesses AI for innovative product development and operational efficiency, automating processes like KYC and fraud prevention, demonstrating a strong commitment to technological advancement.
The company's international revenue mix stands at 15%, with significant growth across markets like the Middle East, Southeast Asia, and North America, underscoring Pine Labs’ successful global expansion strategy.
Pine Labs continues to strengthen its product suite with new offerings like co-branded prepaid programs and the Bharat Yatra card, showcasing its innovation capacity within the digital payments industry.

Sector: Financial Technology (Fintech)
Industry: Financial Technology (Fintech)
Market Cap: 16,039 Cr
Volatility: Moderate Risk
P/E Ratio: 126.0
Industry P/E: 76.2
PEG Ratio: 2.2
P/B Ratio: 2.7
52W High: 283.70
52W Low: 134.75

Sales CAGR

1Y: 28.52%
3Y: 19.66%
5Y: 19.18%
10Y: —

Profit CAGR

1Y: 57.45%
3Y: —
5Y: —
10Y: —

ROE

TTM: 1.91%
3Y: -6.98%
5Y: -5.98%
10Y: —

ROCE

TTM: 3.48%
3Y: -5.40%
5Y: -4.86%
10Y: —

Technicals

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Analyst Target, Price, EPS and Revenue Projections
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Peers

Financial Services Financial Services

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
PINELABS		139.00	16,039 Cr	126.00	2.72	0.00	1.91	3.48	0.96
STYL		346.45	5,617 Cr	21.29	3.94	0.72	16.83	23.16	15.81
CCAVENUE		15.88	5,540 Cr	19.85	1.17	0.00	5.88	6.93	4.04
KISSHT		316.80	5,357 Cr	16.91	2.44	0.00	20.96	17.47	7.94
MOBIKWIK		205.30	1,614 Cr	-25.99	3.00	0.00	-8.64	-2.33	-4.41
RNFI		281.55	714 Cr	24.63	4.02	0.00	17.08	23.08	9.85
MOS		11.00	283 Cr	15.73	2.66	0.00	16.90	15.74	8.47
Median: 7 Co.	—	205.30	5,357 Cr	19.85	2.72	0.00	16.83	15.74	7.94

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	552	602	599	616	650	744	701	737
Expenses	519	525	542	571	575	612	594	642
Operating Profit	32	77	57	45	75	132	106	95
OPM %	5.89	12.79	9.45	7.26	11.60	17.73	15.19	12.88
Other Income	22	-30	12	37	23	23	50	29
Interest	18	22	22	21	21	24	17	13
Depreciation	75	76	69	65	66	68	71	73
Profit Before Tax	-38	-51	-22	-4.84	11	63	68	38
Tax %	16.42	-10.64	-30.17	198.97	46.51	32.23	13.23	48.13
Net Profit	-32	-57	-29	4.79	5.97	42	59	20
EPS in Rs	—	—	—	0.02	—	0.38	0.51	—

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	843	650	932	1,598	1,770	2,274	2,832
Expenses	761	560	820	1,592	1,794	2,056	2,423
Operating Profit	82	90	112	5.36	-25	218	409
OPM %	9.74	13.81	12.05	0.34	-1.41	9.60	14.43
Other Income	23	33	25	56	55	16	125
Interest	18	22	24	36	64	79	76
Depreciation	155	175	189	315	363	292	278
Profit Before Tax	-68	-74	-75	-289	-398	-136	180
Tax %	30.43	24.63	69.64	8.40	14.00	-6.67	29.22
Net Profit	-47	-56	-23	-265	-342	-145	127
EPS in Rs	—	—	—	—	—	—	—
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	12	13	14	0.02	0.10	0.10
Reserves	1,035	1,178	1,900	3,739	3,542	3,506
Borrowings	127	191	236	438	654	970
Other Liabilities	2,274	3,185	4,111	5,186	5,452	6,239
Total Liabilities	3,448	4,567	6,260	9,363	9,649	10,716
Fixed Assets	1,017	980	1,019	2,103	1,920	1,825
CWIP	52	48	122	269	222	160
Investments	40	34	50	18	21	30
Other Assets	2,338	3,505	5,070	6,973	7,486	8,700
Total Assets	3,448	4,567	6,260	9,363	9,649	10,716

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	11	111	-79	-38	-229	50
Cash from Investing Activity	112	-260	-443	-261	-25	-486
Cash from Financing Activity	1,431	823	1,644	935	-220	-201
Net Cash Flow	1,554	674	1,122	635	-474	-637

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2025	Oct 2025	Nov 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
FIIs	0.00%	0.00%	5.14%	5.23%	4.80%	9.49%
DIIs	100.00%	100.00%	9.91%	11.25%	11.81%	24.82%
Public	0.00%	0.00%	84.95%	83.51%	83.39%	65.69%
Total Shareholders	526	1,921	2,16,316	1,27,792	1,17,561	1,78,120

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Analyst Target, Price, EPS and Revenue Projections
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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q1 FY27

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

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Announcements

Last 7 days

Sentiment

Earnings Call/Transcript

2 days ago

Pine Labs: Analyst Concall Recording Uploaded

Pine Labs Ltd uploaded the audio/video recording of the analysts/investors conference call held on 2026-07-29 from 08:00 to 09:02 IST to its investor relations site.

Earnings Call/Transcript

2 days ago

Pine Labs: Analyst/Investor Call Recording Uploaded

Pine Labs Ltd uploaded the audio/video recording of the analysts/investors conference call held on 2026-07-29 (08:00-09:02 IST) to its investor relations website.

Financial Results

2 days ago

Pine Labs: Q1 June 30, 2026 Results Published

Pine Labs Ltd published unaudited standalone and consolidated financial results for quarter ended June 30, 2026. Results were approved by the Board on July 28, 2026 and published in newspapers and on the company website.

Financial Results

2 days ago

Pine Labs - Newspaper Publication of Q1 FY27 Results

Pine Labs Ltd published the unaudited standalone and consolidated financial results for the quarter ended June 30, 2026 (board approved July 28, 2026) in newspapers on July 29, 2026; results on company website.

Regulatory/Compliance Filing

3 days ago

Pine Labs Monitoring Agency Report Q1 FY27

Pine Labs Ltd filed CARE Ratings' monitoring agency report for quarter ended June 30, 2026, stating no deviations in utilization of IPO proceeds; report was considered by the Board and Audit Committee on July 28, 2026.

Financial Results

3 days ago

Pine Labs Ltd Q1 FY27 Results Approved

Pine Labs Ltd: Board approved unaudited standalone and consolidated financial results for quarter ended 30 June 2026; Limited Review Reports enclosed. Trading window for designated persons opens on 2026-07-31.

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Frequently Asked Questions about Pine Labs Ltd

Pine Labs Ltd (PINELABS) is currently trading at 139.00 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.

Pine Labs Limited is a technology firm specializing in digital payment solutions, serving merchants, consumer brands, and financial institutions globally. The company achieved record quarterly revenue of ₹744 Cr in Q3 FY26, reflecting a 24% YoY growth, underpinned by robust performance across product lines. Pine Labs harnesses AI for innovative product development and operational efficiency, automating processes like KYC and fraud prevention, demonstrating a strong commitment to technological advancement. The company's international revenue mix stands at 15%, with significant growth across markets like the Middle East, Southeast Asia, and North America, underscoring Pine Labs’ successful global expansion strategy. Pine Labs continues to strengthen its product suite with new offerings like co-branded prepaid programs and the Bharat Yatra card, showcasing its innovation capacity within the digital payments industry.

Over the past 52 weeks, Pine Labs Ltd has traded between a low of ₹134.75 and a high of ₹283.70. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.

Pine Labs Ltd has a market capitalization of approximately 16,038.63. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.

Pine Labs Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 126.00 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.

Based on its market capitalization of 16,038.63 Cr, Pine Labs Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.

Pine Labs Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.

The Price-to-Earnings (PE) ratio of Pine Labs Ltd is 126.00. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.

Consolidated revenue from operations rose 19.6% year-on-year to ₹736.92 crore in the quarter ended June 30, 2026.

Pine Labs reported 19% revenue growth in FY2026 and also stated it delivered its first full year of profitability with margin expansion.

Pine Labs is an Indian-based merchant commerce platform that provides payment terminals, invoicing tools, and other financial services to a large network of merchants across Asia and the Middle East.

The budget significantly helps Pine Labs' MSME customers by strengthening the TReDS platform. This improves their cash flow and liquidity by ensuring faster payments, making them more stable and likely to invest in digital payment solutions.

Pine Labs Ltd

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

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Pine Labs: Analyst Concall Recording Uploaded

Pine Labs: Analyst/Investor Call Recording Uploaded

Pine Labs: Q1 June 30, 2026 Results Published

Pine Labs - Newspaper Publication of Q1 FY27 Results

Pine Labs Monitoring Agency Report Q1 FY27

Pine Labs Ltd Q1 FY27 Results Approved

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Consolidated Quarterly Results (in ₹ Crores)

Consolidated Profit Loss (in ₹ Crores)

Consolidated Balance Sheet (in ₹ Crores)

Consolidated Cash Flows (in ₹ Crores)

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