Pine Labs

Pine Labs

Fundamentals

Quick Insights

  • Large Merchant Base: As of December 31, 2021, Pine Labs had 550,000+ merchant relationships across ~3.8 million devices in India and Southeast Asia. Diverse Business Segments: In FY2022, Pine Labs earned ₹683.78 crore (67.2%) from Payments and Financial Services, and ₹321.56 crore (31.6%) from Issuing and Other Solutions like gift cards, showing a well-diversified revenue mix. EMI and BNPL Leadership: Partners with over 100 issuers and brands for EMI and Buy Now, Pay Later offerings, particularly in electronics and consumer durables segments. Expanding International Footprint: Acquisitions like Fave (Southeast Asia) and QwikCilver (India’s leading gift card provider) have broadened presence and capabilities.
Market Cap-
PE Ratio-
EPS₹-2.23
Dividend Yield-
Book Value₹24.38 Cr
Debt/Equity0.23
Price/Book-
Price/Sales-
Industry PE-
Sales₹1,309.62 Cr
Profit After Tax₹-187.18 Cr
Share Capital₹1 Cr
Shares Outstanding-
ISININE15B701018
SectorFintech
Symbol-
About Company

Pine Labs, founded in 1998 and based in Noida, is a leading Indian fintech and merchant commerce platform. It provides payment solutions like PoS systems, UPI/QR payments, EMI financing, and gift cards. Operating in India, Southeast Asia, and the Middle East, it serves over 915,000 merchants and processed ₹3.35 lakh crore in Gross Transaction Value from April to December 2024.

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Strengths & Weaknesses

Strengths

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Weaknesses

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Annual Reports

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Shareholding Pattern

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Board of Directors
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Senior Management
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FAQs – Buying Unlisted Shares

What are unlisted shares?+
Unlisted shares are stocks of companies that are not listed on any stock exchange like NSE or BSE. They are traded in the over-the-counter (OTC) market through dealers, brokers, and private transactions.
How is the price of an unlisted share decided?+
Unlike listed shares, there’s no central marketplace or live order book. Prices are based on demand and supply, dealer quotes, and recent transaction trends. This leads to price fragmentation — different dealers can quote very different prices for the same stock.
Why should I compare prices before buying?+
Because the same share can be available at a 5–20% price difference depending on the dealer. Not comparing means you could be paying a premium for no reason — directly impacting your returns.
Is buying unlisted shares risky?+
Yes, like any investment, unlisted shares carry risks — including liquidity risk (harder to sell), company performance risk, and price transparency issues. Comparing prices helps reduce one avoidable risk — overpaying.
How can I know if the price I’m getting is fair?+
You can check recent transaction prices, ask multiple dealers, and soon — use our price comparison platform to instantly see live market quotes.
What documents are required to buy unlisted shares?+
Typically: PAN Card Demat Account details KYC documents (address proof, ID proof)
How do I sell unlisted shares?+
You can sell them via a dealer, private buyer, or once the company gets listed on a stock exchange. Having access to multiple dealer quotes helps you get the best selling price.
Can dealers lose business if they don’t offer the best price?+
Absolutely. If an investor finds a better price elsewhere, they’ll switch — often for good. That’s why transparent pricing protects both investors and dealers.
How soon will I receive the shares after purchase?+
Usually within T+2 to T+7 days after payment and documentation, depending on the dealer and the company’s transfer process.
Do I need to be an accredited investor to buy unlisted shares?+
No, but you must meet the regulatory requirements under SEBI guidelines and have a valid Demat account.