India · Delayed Price · Currency is INR Pine Labs Earnings Call Transcripts
Fiscal Year 2027
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Revenue grew 20% year-over-year, with strong adjusted EBITDA and robust international expansion. Contribution margin is expected to recover in the second half, supported by festive season and flow-based revenues. Investments in technology, AI, and salesforce are driving future growth.
Fiscal Year 2026
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Revenue grew 19% year-over-year with strong Adjusted EBITDA and cash flow, driven by robust performance in both digital infrastructure and issuing businesses. FY 2027 guidance targets 21%-23.5% revenue growth, with continued margin strength and international expansion supporting outlook.
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Q3 saw record revenue of INR 744 crore (up 24% YoY) and PAT of INR 42 crore, with strong growth in both digital payments and issuance segments. Market share gains, international expansion, and new product launches drove performance, while margins and cash flows remain robust.
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Reported record Q2 FY2026 results with 18% revenue growth, 21% higher contribution margin, and 60%+ adjusted EBITDA growth. Value-added services, online payments, and international business drove strong performance, with continued margin expansion and operating leverage expected.