Pine Labs Q2 FY27: PAT ₹20 & Rev ₹12,600 Cr

Metric	Value
Revenue	₹12,600 Cr
Net Profit (PAT)	₹20

📢 Key Event
Pine Labs reports 20% YoY revenue growth and Rs.126 Crores adjusted EBITDA in Q1 FY2027

🔄 What Changed
Adjusted EBITDA of Rs.126 Crores (below Rs.140 target); operating cash flow guided under 15%; 500 sales hires front-loaded; cloud costs up Rs.10-12 Crores quarterly

🔮 What's Next
Contribution margins to reach 73-74% in H2; working capital to normalize to 13-15% target; international growth to focus on software/services; EBITDAMargin to not fall below 23.5%

💡 Investor Takeaway
Short-term margin pressure from strategic investments is expected to normalize, supporting long-term growth and profitability

Pine Labs reported 20% YoY revenue growth to Rs.20 Crores in Q1 FY2027, driven by strong flow-based income and international expansion into Malaysia, Singapore, and Dubai. Adjusted EBITDA reached Rs.126 Crores, below the Rs.140 Crores target, with operating cash flow guided to stay under 15% for the full year. The company added 500 sales personnel and invested Rs.10-12 Crores quarterly in cloud infrastructure, impacting short-term margins. Contribution margins are expected to improve to 73-74% in H2 due to festive season volume and flow-based revenue growth, while international growth now reflects software-led expansion rather than terminal deployment. Take rates remain stable due to mix changes, and working capital held at 16% versus the 13-15% target.

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About Pine Labs Limited (PINELABS)

Financial Services · Financial Technology (Fintech) · Listed on NSE

Market Cap: ₹17,508.92 Cr

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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