PINE LABS LIMITED
Momentum (89/100) does the heavy lifting; financial trend (0/100) is the drag.
ExpensiveSolvency riskOur blended model reads PINE LABS LIMITED as a Sell at 31/100. At ₹202.17 it trades above our blended DCF and relative-multiples fair value of ₹101.09, about 50% downside to that estimate — we read it as overvalued by 50%. On 142.8x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 19% below its 52-week high of ₹250.89 and 47% above the low of ₹137.94. Financial health scores 13/100, with a Piotroski F-score of 7/9. The average analyst target of ₹205.75 implies about 2% upside across 8 analysts. It clears 6 of 11 investability checks, with durability 36, valuation 14 and momentum 89 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹80.87.
Analyst views
1-year price
EOD · 2026-09-1452-week range
-19.42% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Sell31Piotroski F-score 7/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 2.4%
- Pass: Low debt (D/E < 0.5): 0.07x
- Pass: Positive free cash flow
- Fail: Revenue growth > 10%: -34%
- No data: Earnings growing
- Fail: Net margin ≥ 10%: 4.2%
- Pass: Current ratio > 1.5: 1.51
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Pass: Piotroski ≥ 7: 7/9
Quarterly results
Annual financials
Shareholding
- Promoter33.1%
- Institutions55.9%
- Public & other11.0%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Lightly leveraged balance sheet.
- High Piotroski quality score (7/9).
Bear case
Weaknesses
- Low return on equity (2.4%).
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About PINE LABS LIMITED
Pine Labs Limited provides digital payments and issuing solutions across merchant, consumer brand, enterprise, and financial institution segments. Operating through its Digital Infrastructure and Transaction Platform and Issuing and Acquiring Platform segments, the company serves customers in India, Malaysia, the United Arab Emirates, Singapore, Australia, the United States, and Africa.
PINE LABS LIMITED — frequently asked questions
Is PINE LABS LIMITED a buy, hold or sell?
StocksWizard currently rates PINE LABS LIMITED (PINELABS) a Sell, based on a blended score of 31/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is PINE LABS LIMITED's fair value?
Our blended DCF and relative-valuation model estimates PINE LABS LIMITED's fair value at about ₹101.09, versus a current price of ₹202.17 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is PINE LABS LIMITED financially healthy?
PINE LABS LIMITED scores 13/100 on our financial-health model, with a Piotroski F-score of 7/9.
How has PINE LABS LIMITED's share price performed?
PINE LABS LIMITED is up 35% over three months, and last traded at ₹202.17. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.