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Pine Labs
Pine Labs (PINELABS) investor relations material
Pine Labs Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary28 Jan, 2026
Executive summary
Achieved record Q3 results with revenue of INR 744 crore, up 24% year-over-year, and PAT of INR 42 crore, despite a one-time INR 12 crore labor law impact.
Adjusted EBITDA increased 59% year-over-year to INR 171 crore, with margin expansion from 16% to 23%, reflecting strong operating leverage.
Processed $51 billion in payment volumes in Q3, surpassing $200 billion in cumulative transaction processing.
Strong market share gains in both domestic and international markets, with continued expansion and new client wins, including Wio Bank and a Sri Lankan card issuer.
Profitability improvement supported by lower depreciation and stable ESOP expenses.
Financial highlights
Total income for the quarter was INR 779.72 crore, up from INR 601.64 crore in the same quarter last year.
Contribution margin at INR 551 crore, with a steady 76% margin over nine months.
Adjusted EBITDA margin expanded by over 5 percentage points year-over-year, reaching 23% for Q3.
PAT at INR 42 crore, would have been INR 52 crore excluding the labor law adjustment.
Operating cash flow for Q3 FY26 was -INR 124 crore (excluding early settlement), impacted by festive demand and higher transaction volumes.
Outlook and guidance
Margins expected to remain sustainable, with operating leverage and asset-light strategy supporting future profitability.
Depreciation and CapEx to remain range-bound and decline as a percentage of revenue.
Management expects normalization of working capital in the coming quarter following seasonal festive demand.
Continued focus on expanding value-added services and international presence.
Prudent cost management to sustain profitability.
Unutilized IPO proceeds deployment plan?
Operating cash flow normalization outlook?
Future impact of New Labour Codes?
AI's long-term impact on engineering team size
International expansion strategy's success metrics
Future drivers for VAS monetization growth
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