Pineapple Financial (PAPL)
XASE:PAPL
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PAPL Stock Chart & Stats
$1.60
-$0.03(-5.75%)
At close: 4:00 PM EST
$1.60
-$0.03(-5.75%)
Day’s Range― - ―
52-Week Range$0.20 - $9.53
Previous CloseN/A
Volume119.03K
Average Volume (3M)176.40K
Market Cap
$28.18M
Enterprise Value$3.18M
Total Cash (Recent Filing)$17.90M
Total Debt (Recent Filing)$19.62M
Price to Earnings (P/E)―
Beta-1.11
Next Earnings
Jul 20, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-20.70
Shares Outstanding26,088,652
10 Day Avg. Volume70,466
30 Day Avg. Volume176,398
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)2.95
Price to Sales (P/S)0.90
P/FCF Ratio-1.42
Enterprise Value/Market Cap0.11
Enterprise Value/Revenue0.33
Enterprise Value/Gross Profit2.75
Enterprise Value/Ebitda-0.13
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-0.31
Revenue Forecast (FY)$4.00M
Bulls Say, Bears Say
Bulls Say
Low Leverage / Strong Capital BaseThe company’s materially lower leverage and larger equity base reduce refinancing and solvency risk, providing lasting financial flexibility. This stronger capital posture supports continued operations, discretionary actions (buybacks/investment) and gives runway while operating results are addressed.
Expanded Share Repurchase AuthorizationA significantly enlarged buyback program signals board confidence and creates a durable, flexible capital-allocation tool. Over time it can modestly support per-share economics and reflect management’s willingness to prioritize shareholder returns when liquidity and solvency permit.
Platform-driven Brokerage ModelA tech-enabled brokerage model with an agent network yields multiple, recurring revenue streams (commissions, platform fees). Structural scalability and network effects can improve unit economics over months, allowing revenue diversification and margin expansion if origination volumes stabilize.
Bears Say
Sharp Revenue DeclineA sustained ~54% drop in revenue erodes fixed-cost absorption and undermines operating leverage. Persistently weak top-line performance reduces reinvestment capacity, weakens agent economics, and makes it difficult to restore durable profitability without material operational change.
Negative Operating And Free Cash FlowOngoing negative OCF and FCF indicate the business is burning cash to fund operations. This structural cash deficit requires external funding or asset sales to sustain growth, limits ability to invest in platform improvements, and raises medium-term liquidity and dilution risk.
Very Weak Returns On EquityDespite a stronger balance sheet, the company fails to generate returns on invested capital, signaling persistent unit-economics and margin problems. Without improving ROE, capital base growth does not translate into shareholder value and questions long-term scalability remain.
Pineapple Financial News
PAPL FAQ
What was Pineapple Financial’s price range in the past 12 months?
Pineapple Financial lowest stock price was $0.20 and its highest was $9.53 in the past 12 months.
What is Pineapple Financial’s market cap?
Pineapple Financial’s market cap is $28.18M.
When is Pineapple Financial’s upcoming earnings report date?
Pineapple Financial’s upcoming earnings report date is Jul 20, 2026 which is in 60 days.
How were Pineapple Financial’s earnings last quarter?
Pineapple Financial released its earnings results on Apr 13, 2026. The company reported -$1.21 earnings per share for the quarter, missing the consensus estimate of -$0.404 by -$0.806.
Is Pineapple Financial overvalued?
According to Wall Street analysts Pineapple Financial’s price is currently Overvalued.
Does Pineapple Financial pay dividends?
Pineapple Financial does not currently pay dividends.
What is Pineapple Financial’s EPS estimate?
Pineapple Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Pineapple Financial have?
Pineapple Financial has 26,088,652 shares outstanding.
What happened to Pineapple Financial’s price movement after its last earnings report?
Pineapple Financial reported an EPS of -$1.21 in its last earnings report, missing expectations of -$0.404. Following the earnings report the stock price went up 3.949%.
Which hedge fund is a major shareholder of Pineapple Financial?
Currently, no hedge funds are holding shares in PAPL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Pineapple Financial
Pineapple Financial Inc. operates as a mortgage technology and brokerage company in Canada. The company offers mortgage brokerage services and technology solutions to Canadian mortgage agents, brokers, sub-brokers, brokerages, and consumers through data-driven systems together with cloud based tools. The company also operates MyPineapple technology platform, which allows users to conduct their brokerage services. In addition, it offers back office support services, such as digital and automated onboarding and set up, loan packaging and processing, digital document collection and client portal, loan maintenance, payroll, lender communication, reporting requirements for regulators and business management, cloud services, expense collections, document preparation, compliance, training, administration, and marketing. Further, the company provides pre-underwriting support services, including credit review, data validation, fraud analysis and compliance, appraisal ordering and review, and data analytics. Additionally, it offers various insurance products, such as life, accident and disability, critical illness, and credit insurance. Pineapple Financial Inc. was formerly known as 2487269 Ontario Ltd and changed its name to Pineapple Financial Inc. in June 2021. The company was founded in 2016 and is based in North York, Canada.
PAPL Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized a successful operational reset with meaningful cost savings, a stronger balance sheet, positive adjusted operating metrics and a new recurring staking revenue stream; these concrete execution wins and clear near-term targets outweigh the headline GAAP loss driven by large noncash digital asset revaluations and one-time financing charges. Management articulated disciplined governance for the digital asset treasury, a buyback program reflecting confidence in intrinsic value, and a path to breakeven, while acknowledging modest top-line growth and macro constraints. Overall, the tone is execution-focused and constructive, balancing early-stage commercialization risks in data/tokenization and crypto volatility against tangible improvements in cash flow, liquidity and operating leverage.View all PAPL earnings summariesTechnical Analysis
Greystone Housing Impact Investors
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Security National Financial
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CNFinance Holdings
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Income Opportunity Realty Investors
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Velocity Financial
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Ownership Overview
12.35% Insiders
0.04% Other Institutional Investors
87.61% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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