Pine Labs Limited — PPTs, 16-06-2026: Investor Presentation

**Pine Labs: Driving Commerce Transformation**

**Business Performance:**

Pine Labs has demonstrated robust growth, with Platform Gross Transaction Value (GTV) reaching $194 billion (₹1.69 lakh crore) in FY26. This growth is supported by a massive network of 11 lakh+ merchants and 20.3 lakh+ digital checkout points (DCPs). The company processed a significant 740 crore transactions in FY26, highlighting its operational scale.

**Growth Drivers & Strategy:**

Pine Labs is building a full-stack Commerce OS, simplifying checkout and offering a comprehensive suite of financial platforms, orchestration, processing infrastructure, and payment rails. Key strategic focus areas include expanding affordability solutions, enhancing digital infrastructure, and leveraging AI for data analytics and personalized customer experiences.

**Recent Developments & Key Financials:**

The company secured multi-year landmark contracts with top Oil and Marketing Companies (OMCs) in India, solidifying its leadership in fuel retail payments. FY26 saw continued expansion in Platform GTV and transactions, underscoring sustained growth momentum.

**Management Commentary/Outlook:**

Pine Labs is focused on transforming commerce by moving from a payment gateway to a comprehensive commerce infrastructure and an autonomous machine commerce platform. The company is strategically expanding into new growth vectors such as employee benefits and gaming, while also focusing on global expansion with a strong emphasis on leveraging its technology stack and partnerships. Their outlook highlights a commitment to unlocking 25%+ YoY growth through a balanced strategy of core business expansion and new growth engines.