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Pine LabsBOM:544606 +1.31%7 Return-on-Tangible-Equity is 1.79% as of Jun. 2026. GuruFocus rates BOM:544606 with a GF Score™ of 7/100. The stock has 3 warning signs investors should review. Among 2,483 Software companies, Pine Labs ranks worse than 59.97% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Pine Labs's annualized net income for the quarter that ended in Jun. 2026 was ₹783 Mil. Pine Labs's average shareholder tangible equity for the quarter that ended in Jun. 2026 was ₹43,668 Mil. Therefore, Pine Labs's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 1.79%.
The historical rank and industry rank for Pine Labs's Return-on-Tangible-Equity or its related term are showing as below:
BOM:544606'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -16.21 Med: -9.67 Max: 4.28
Current: 4.28
During the past 4 years, Pine Labs's highest Return-on-Tangible-Equity was 4.28%. The lowest was -16.21%. And the median was -9.67%.
BOM:544606's Return-on-Tangible-Equity is ranked worse than 59.97% of 2483
companies
in the Software industry
Industry Median: 9.68
vs BOM:544606: 4.28
Pine Labs (BOM:544606) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Pine Labs Return-on-Tangible-Equity Related Terms
Pine Labs Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Pine Labs's Return-on-Tangible-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:544606 vs MSFT, ORCL, PLTR: Return-on-Tangible-Equity Comparison
For the Software - Infrastructure subindustry, Pine Labs's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pine Labs Return-on-Tangible-Equity vs Software Industry
For the Software industry and Technology sector, Pine Labs's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pine Labs's Return-on-Tangible-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 1.79% mean?
Pine Labs (BOM:544606) has a Return-on-Tangible-Equity of 1.79% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pine Labs and its competitors. According to the industry distribution chart, Pine Labs ranks #1489 out of 2483 companies in the Software industry, placing it in the top 60%.
Is Pine Labs' Return-on-Tangible-Equity too high?
Pine Labs' current Return-on-Tangible-Equity is 1.79%. The Software industry median Return-on-Tangible-Equity is 9.68. Pine Labs' value of 1.79% is 81.5% below this industry median. Based on the distribution chart, Pine Labs ranks #1489 out of 2483 companies in the Software industry, which is below the industry midpoint. Overall, Pine Labs has a GF Score™ of 7/100, reflecting its overall financial health beyond just this single metric.
How does Pine Labs' Return-on-Tangible-Equity compare to MSFT and ORCL?
According to the Software industry distribution chart, Pine Labs ranks #1489 out of 2483 companies for Return-on-Tangible-Equity. This places Pine Labs in the lower half of its industry. The industry median Return-on-Tangible-Equity is 9.68. Pine Labs' value of 1.79% is 81.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Software company?
The median Return-on-Tangible-Equity among Software companies is 9.68, based on 2,483 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pine Labs's current Return-on-Tangible-Equity of 1.79% is 81.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pine Labs and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 9.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pine Labs's current Return-on-Tangible-Equity is 1.79%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pine Labs stock overvalued right now?
Pine Labs (BOM:544606) has a current Return-on-Tangible-Equity of 1.79%. The current Return-on-Tangible-Equity is 1.79% and 81.5% below the Software industry median of 9.68. Pine Labs' overall GF Score™ is 7/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Pine Labs (BOM:544606), the current Return-on-Tangible-Equity is 1.79% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Pine Labs Ltd is a technology company digitizing commerce for merchants, brands, enterprises, and financial institutions. It operates two segments: Digital Infrastructure and Transaction Platform, which contributes the majority of its revenue through in-store and online payments, affordability, value-added services, and transaction processing; and Issuing and Acquiring Platform, providing prepaid, loyalty, rewards, and card issuing and acquiring solutions. Its offerings include UPI and payment gateway services, gift cards, card management, and fintech infrastructure. Pine Labs serves banks, corporates, government, fintech, e-commerce, and startups across multiple industries, enabling customer acquisition, onboarding, expense management, rewards, refunds, and embedded bill payments.
7GF Score
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