Pine Labs Limited (PINELABS) Fair Value & Analysis
Technology · IN · Market cap ₹180B
Fair value as of: Jul 3, 2026
From 23 valuation models · updated today
Share price +9.1% over the past month.
Price vs Fair Value (8 months)
8‑month range ₹137.94 – ₹250.89 · fair‑value band ₹21.17 – ₹34.13 · the ₹156.12 price screens above the ₹27.30 fair value. As of Jul 3, 2026.
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Pine Labs Limited (PINELABS) currently trades at ₹156.12, while our model-based Fair Value estimate is ₹27.30 — implying the stock looks roughly 82.5% overvalued today. We read business quality at 41/100 (below-average quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Pine Labs Limited generated revenue of ₹27.1B at a net margin of 4.2%. Revenue declined 34.3% year over year. It earns a return on equity of 2.4%. The stock trades on a trailing P/E of 153.1. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
Pine Labs Limited, a technology company, provides digital payments and issuing solutions for merchants, consumer brands and enterprises, and financial institutions in India, Malaysia, the United Arab Emirates, Singapore, Australia, the United States, and Africa. It operates through Digital Infrastructure and Transaction Platform, and Issuing and Acquiring Platform segments. The Digital Infrastructure and Transaction Platform segment provides technology platforms under the brand name of Pinelabs, Mosambee, Benow, Setu, Qfix, and Fave to merchants that enables acceptance of instore or online digital payments. These technology platforms and infrastructure allow merchants to accept debit cards, credit cards, prepaid instruments wallets, QR codes, unified payment interface, loyalty points, pay later, online fee collection, etc., as well as provide application programming interface modules to customers for building financial products that facilitates bill payments, credit, and savings to …
Revenue & earnings trend
FY2023 – FY2026 · reported fiscal years
Pine Labs Limited reported revenue of ₹27.1B in FY2026 versus ₹13.5B in FY2023, a compound +26.0%/yr. Reported net income was ₹1.1B in FY2026.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.