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Pine Labs share price

Pine Labs Ltd.

NSE: PINELABS BSE: 544606 SECTOR: Fintech  2.74 K   1   2

236.45
-0.65 (-0.27%)
BSE: 12 Dec 04:01 PM

Price Summary

Today's High

₹ 242.1

Today's Low

₹ 236.05

52 Week High

₹ 283.7

52 Week Low

₹ 231

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

27150.99 Cr.

Enterprise Value

26969.38 Cr.

No. of Shares

114.83 Cr.

P/E

623.55

P/B

4.31

Face Value

₹ 1

Div. Yield

0 %

Book Value (TTM)

₹  54.85

CASH

5683.93 Cr.

DEBT

5502.31 Cr.

Promoter Holding

0 %

EPS (TTM)

₹  0.38

Sales Growth

19.82%

ROE

2.12 %

ROCE

2.55%

Profit Growth

123.26 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Sales Growth

1 Year19.82%
3 Year19.66%
5 Year19.18%

Profit Growth

1 Year123.26%
3 Year57.8%
5 Year27.03%

ROE%

1 Year2.12%
3 Year-3.19%
5 Year-3.21%

ROCE %

1 Year2.55%
3 Year-2.13%
5 Year-2.66%

Debt/Equity

2.6567

Price to Cash Flow

912.55

Interest Cover Ratio

1.8315

CFO/PAT (5 Yr. Avg.)

0

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Nov 2025 0.00 0.00
Sep 2025 0.00 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has shown a good revenue growth of 19.6576925795169% for the Past 3 years.
  • The company has an efficient Cash Conversion Cycle of -3423.8202 days.

 Limitations

  • Company has a poor ROE of -3.19333333333333% over the past 3 years.
  • Company has a poor ROCE of -2.1325% over the past 3 years
  • The company is trading at a high EV/EBITDA of 66.2879.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2025
Net Sales 435
Total Expenditure 394.16
Operating Profit 40.84
Other Income 21.17
Interest 18.29
Depreciation 46.72
Exceptional Items 0
Profit Before Tax -3
Tax -0.8
Profit After Tax -2.2
Adjusted EPS (Rs) -0.05

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Net Sales 649.95 932.32 1280.54 1333.13 1597.31
Total Expenditure 552.25 819.91 1127.46 1291.32 1364.66
Operating Profit 97.7 112.41 153.08 41.82 232.65
Other Income 33.17 25.49 46.98 41.64 97.87
Interest 22.16 23.67 36 57.62 70.31
Depreciation 182.79 188.69 238.73 265.99 201.74
Exceptional Items 0 0 0 0 0
Profit Before Tax -74.08 -74.46 -74.67 -240.16 58.46
Tax -18.25 -51.89 -18.56 -53 14.92
Net Profit -55.83 -22.57 -56.11 -187.16 43.54
Adjusted EPS (Rs.) -0.72 -0.28 -0.67 -2.23 0.52

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 12.87 13.53 13.96 84 84
Total Reserves 1178.34 1899.75 2170.53 1960.75 1987.1
Borrowings 97.66 92.75 154.01 113.59 47.18
Other N/C liabilities 35.57 1.4 33.52 -3.55 20.32
Current liabilities 3205.44 4162.94 4924.51 5589.45 6757.52
Total Liabilities 4529.88 6170.37 7296.53 7744.24 8896.12
Assets
Net Block 979.82 1018.65 1114.95 985.47 942.09
Capital WIP 46.72 95.1 206 116.99 40.75
Intangible WIP 1.05 26.88 45.4 84.05 93.41
Investments 7.71 9.05 12.78 16.39 21.18
Loans & Advances 87.96 175.13 187.77 148.5 168.27
Other N/C Assets 1.79 73.45 18.03 41.79 58.09
Current Assets 3404.83 4772.11 5711.6 6351.06 7572.33
Total Assets 4529.88 6170.37 7296.53 7744.24 8896.12
* Other Non-current Liabilities include Net deferred Liabilities

Cash Flows (All Figures are in Crores.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Profit from operations -74.08 -74.46 -74.67 -240.16 58.46
Adjustment 182.17 207.67 263.15 347.6 259.56
Changes in Assets & Liabilities 14.97 -161.79 -150.03 -145.07 -359.1
Tax Paid -14.06 -50.29 -76.49 3.63 70.83
Operating Cash Flow 109 -78.87 -38.04 -33.99 29.75
Investing Cash Flow -255.6 -443.45 -261.42 10.8 -64.98
Financing Cash Flow 823.02 1643.98 934.74 -79.06 -209.71
Net Cash Flow 676.42 1121.66 635.28 -102.26 -244.94

Corporate Actions

Investors Details

 No Promoters Data available for this company.Report us
PARTICULARS Nov 2025%
investors 100.00
act equity holdings pte l... 1.86
actis pine labs investmen... 4.58
alpha wave ventures ii , ... 3.13
altimeter growth partners... 1.39
bairavarasu amrish rau 2.30
baron emerging markets fu... 1.19
fid fdi 223, llc 1.21
invesco developing market... 2.35
lenarco limited 1.32
lokvir kapoor 1.62
lone cascade, l.p. 1.99
lone cypress, ltd. 1.06
macritchie investments pt... 5.80
madison india opportuniti... 2.21
marshall wace investment ... 1.49
mastercard asia/pacific p... 4.33
paypal pte. ltd 4.96
peak xv partners pine inv... 16.81
sbi flexicap fund 3.50
sg fintech affiliates pte... 1.33
smallcap world fund, inc.... 1.49
sofina ventures sa 1.46
tree line asia master fun... 1.11
wf asian reconnaissance f... 1.08

Annual Reports

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Ratings & Research Reports

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Brief about Pine Labs

Pine Labs Share Price, Business Overview & News

Pine Labs, a leading fintech company in India, made its debut on the stock exchanges on November 14, 2025. The company is a dominant player in the digital payments and merchant commerce space, known for its extensive network of point-of-sale (POS) terminals and a comprehensive suite of payment and financial services solutions.

Business Overview

Pine Labs has established itself as a critical link between merchants, banks, and customers, facilitating a wide range of digital transactions. Its business model is built on providing a robust and scalable cloud-based infrastructure that supports a variety of payment options and value-added services.

  • Integrated Payment and Financial Services Platform: The company offers an integrated suite of in-store and online payment solutions. This includes its core POS terminal business, as well as digital affordability solutions and prepaid card issuance, where it holds a market leadership position in India.

  • Extensive Merchant Network: As of June 30, 2025, Pine Labs served over 988,000 merchants and 716 consumer brands and enterprises. This extensive network is a key competitive advantage, allowing the company to process a massive volume of transactions. In fiscal year 2025, the company processed a gross transaction value (GTV) of 11,424.97 billion.

  • Strong Partnerships: The company has strong partnerships with 177 financial institutions, which enables it to offer a wide range of payment options, including credit/debit cards, EMI, and loyalty programs.

  • International Presence: In addition to its strong presence in India, Pine Labs has expanded its operations to several international markets, including Malaysia, the UAE, Singapore, and Australia.

Major News & Developments

Pine Labs has been in the news for its successful IPO and its growth strategies. Key news and developments revolve around:

  • Successful IPO and Listing: Pine Labs' Rs 3,900 crore IPO, which ran from November 7 to November 11, 2025, was subscribed nearly 2.5 times. The company's shares made a strong debut on the stock market on November 14, 2025, listing at a premium of about 10% to its issue price of Rs 221 per share.

  • Use of IPO Proceeds: The public issue was a mix of a fresh issue of shares and an Offer for Sale (OFS). The company raised Rs 2,080 crore through the fresh issue, which will be utilised for its growth and expansion plans.

  • Financial Performance and Analyst Outlook: The market is closely watching the company's financial performance post-listing. Analysts have pointed to its robust business model and strong market position as key positives, with some recommending the stock for long-term investment. The stock is being evaluated on multiples such as EV/Sales and EV/EBITDA.

  • Stock Performance: On its listing day, the stock saw significant trading volume and a surge in price, indicating strong investor interest. The total combined turnover on the NSE and BSE was over Rs 1,800 crores on the day of listing.

What You Can Find on This Company Page

This page is your complete resource for all information related to Pine Labs Ltd. Here’s what you can access:

  • Live Pine Labs Share Price: Track real-time price movements and analyse historical performance since its recent listing.

  • In-Depth Financial Analysis: Access detailed financial statements, key ratios, and peer comparisons.

  • Shareholding Pattern: Get a clear picture of the company's ownership structure.

  • Latest News and Corporate Actions: Stay informed about the latest company announcements, analyst ratings, dividend declarations, and other market-moving news.

  • Company Overview and Business Strategy: A detailed look at the company's robust business model, its leadership in the digital payments space, and its strategic plans for future growth.

Frequently Asked Questions (FAQs)

Q1: What is the main business of Pine Labs?
Pine Labs is a leading fintech company that provides a comprehensive platform for digital payments and merchant commerce. It is a market leader in POS terminals, digital affordability solutions, and prepaid card issuance in India.

Q2: When did Pine Labs' IPO take place?
The Pine Labs IPO was open for subscription from November 7 to November 11, 2025, and the company's shares were listed on the stock exchanges on November 14, 2025.

Q3: How was the market response to the Pine Labs IPO?
The IPO was subscribed nearly 2.5 times and made a strong debut on the stock market, listing at a premium of about 10% to its issue price.

Q4: What are the key strengths of Pine Labs?
The company's key strengths include its leadership in the digital payments space, its strong technology stack, extensive merchant partnerships, and a scalable cloud-based infrastructure.

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