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Updated 1d ago
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Pineapple Financial Inc.NYSEAM:PAPL Stock Report

Market Cap US$23.4m
Updated 1d ago
Share Price
n/a
1Y-85.9%
7D-7.8%
1D-6.0%
Portfolio Value
​
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Pineapple Financial Inc.

NYSEAM:PAPL Stock Report

Market Cap: US$23.4m

  • Company Overview
    • Valuation
    • Future Growth
    • Past Performance
    • Financial Health
    • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

Pineapple Financial (PAPL) Stock Overview

Provides mortgage brokerage services and technology solutions in Canada. More details

PAPL fundamental analysis
Snowflake Score
Valuation0/6
Future Growth0/6
Past Performance0/6
Financial Health2/6
Dividends0/6

Risk Analysis

Earnings have declined by 45.2% per year over past 5 years

Shareholders have been substantially diluted in the past year

Has less than 1 year of cash runway

Does not have a meaningful market cap ($23M)

+ 2 more risks

PAPL Community Fair Values

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US$
Current Price
US$0.872.0k% overvalued intrinsic discount
%/yr
Decrease
Increase
PastFuture-4m4m2016201920222025202620282031Revenue US$2.2mEarnings US$433.7k
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Pineapple Financial Inc. Competitors

Beeline Holdings

Symbol: NasdaqCM:BLNE
Market cap: US$31.7m

DVL

Symbol: OTCPK:DVLN
Market cap: US$11.8m

Mag Mile Capital

Symbol: OTCPK:MMCP
Market cap: US$10.0m

Greystone Housing Impact Investors

Symbol: NYSE:GHI
Market cap: US$140.7m

Price History & Performance

Summary of share price highs, lows and changes for Pineapple Financial
Historical stock prices
Current Share PriceUS$0.87
52 Week HighUS$7.03
52 Week LowUS$0.54
Beta5.57
1 Month Change-12.77%
3 Month Change-12.77%
1 Year Change-85.91%
3 Year Changen/a
5 Year Changen/a
Change since IPO-98.06%

Recent News & Updates

Recent updates

Shareholder Returns

PAPLUS Diversified FinancialUS Market
7D-7.8%-1.1%-0.2%
1Y-85.9%-2.4%11.9%

Return vs Industry: PAPL underperformed the US Diversified Financial industry which returned -1.8% over the past year.

Return vs Market: PAPL underperformed the US Market which returned 12% over the past year.

Price Volatility

Is PAPL's price volatile compared to industry and market?
PAPL volatility
PAPL Average Weekly Movement13.7%
Diversified Financial Industry Average Movement5.7%
Market Average Movement6.8%
10% most volatile stocks in US Market15.0%
10% least volatile stocks in US Market2.9%

Stable Share Price: PAPL's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: PAPL's weekly volatility has decreased from 21% to 14% over the past year, but is still higher than 75% of US stocks.

About the Company

FoundedEmployeesCEOWebsite
201539Shubha-Jeet Dasguptagopineapple.com

Pineapple Financial Inc., together with its subsidiaries, provides mortgage brokerage services and technology solutions in Canada. It offers mortgage brokering services, including mortgage consultation, advise on various mortgage products offered by financial institutions, client access to rate information and mortgage options from lenders, and assistance in selecting mortgage solution. The company also provides back-office support services, such as digital and automated onboarding and set up, loan packaging and processing, digital document collection and client portals, loan maintenance activities, payroll, lender communication, reporting requirements for regulators and business management, cloud services, expense collections, document preparation, compliance, training, administration, and marketing.

Pineapple Financial Inc. Fundamentals Summary

How do Pineapple Financial's earnings and revenue compare to its market cap?
PAPL fundamental statistics
Market capUS$23.45m
Earnings (TTM)-US$3.17m
Revenue (TTM)US$2.78m
7.9x
P/S Ratio
-7.0x
P/E Ratio

Is PAPL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PAPL income statement (TTM)
RevenueUS$2.78m
Cost of RevenueUS$0
Gross ProfitUS$2.78m
Other ExpensesUS$5.95m
Earnings-US$3.17m

Last Reported Earnings

May 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)-0.13
Gross Margin100.00%
Net Profit Margin-114.09%
Debt/Equity Ratio41.5%

How did PAPL perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/18 02:35
End of Day Share Price 2026/09/18 00:00
Earnings2026/05/31
Annual Earnings2025/08/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Pineapple Financial Inc. is covered by 3 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Timothy MooreD. Boral Capital LLC.
Jesse SobelsonD. Boral Capital LLC.
Jason KolbertD. Boral Capital LLC.

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