Pine Labs is an Indian fintech company founded in 1998, specializing in providing financing and retail transaction technology. It is a unicorn startup with a valuation of over US$5 billion and has a significant presence in India, the Middle East, and Southeast Asia. The company offers Android-based point of sale (PoS) machines and has over 70,000 retailers across India, including major retail outlets such as Spencer's Retail, Pantaloons, Shoppers Stop, and Westside.

Pine Labs Pvt. Ltd.

Marqeta provides a modern card issuing platform and payment processing solutions for businesses.

Marqeta

Atome is a provider of buy now pay later services, allowing customers to split their purchases into interest-free payments. It offers services primarily in Singapore and partners with various retailers.

Metric
Company Name	Pine Labs Pvt. Ltd.	Marqeta	Atome
Symbol
MSH ID	COM:PINELABS	NET:MARQUETA	SG:ATOME
Market	PRIVATE	PRIVATE	PRIVATE
Sector	Financial Services & Finance	Financial Services & Finance	Financial Services & Finance
Industry	Financial Services & Finance	Financial Technology (Fintech)	Consumer Finance
Country		US	SG
Stage			Debt Financing
Employee Count	1.00K
Website	pinelabs.com	marqueta.net	atome.sg
LinkedIn
Founders

Metric
Market Cap
Enterprise Value
Monthly Web Traffic	292.81K	581.11K	166.54K
Web Traffic Growth	0.72	0.06	-0.30
Valuation
Raised Capital			200M

Metric
Revenue
Revenue (LTM)
Revenue (NTM)
Gross Profit
EBITDA
Operating Income
Net Income
EPS
Diluted EPS
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin
Operating Profit Margin
EBITDA Margin
Net Profit Margin
Return on Equity
Return on Assets
Return on Capital Employed

PINE

COM:PINELABS

Pine Labs Pvt. Ltd.

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio
P/B Ratio
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio
EV Multiple

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover

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Operating Cash Flow
Free Cash Flow
Cash Flow to Debt
Operating Cash Flow/Sales
Free Cash Flow Yield

Metric
Cash & Equivalents
Accounts Receivable
Inventory
Goodwill
Debt to Capitalization
Debt to Assets
Current Ratio
Quick Ratio

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue