Pineapple Financial (PAPL)
XASE:PAPL
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
$17.40M
Enterprise Value$711.61K
Total Cash (Recent Filing)$1.48M
Total Debt (Recent Filing)$1.29M
Price to Earnings (P/E)―
Beta-1.00
Next Earnings
Apr 21, 2026EPS Estimate
-0.4Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)N/A
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 Cap0.04
Enterprise Value/Revenue0.11
Enterprise Value/Gross Profit0.55
Enterprise Value/Ebitda-0.09
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
Rebound In Revenue And High Gross MarginA sharp TTM revenue rebound and ~59% gross margin indicate the core mortgage-brokerage economics can be highly profitable at scale. Sustained high gross margins provide structural leverage to operating profitability as origination volumes normalize, supporting durable unit economics if revenue growth persists.
Stronger Governance And Management ContinuityFormalized multi-year executive contracts, board re-elections and auditor ratification reduce leadership turnover risk and improve oversight predictability. Better governance strengthens strategic continuity and investor confidence, aiding longer-term execution and access to capital during restructuring or growth phases.
Asset-light, Commission-based Business ModelAn asset-light brokerage model driven by lender and borrower commissions creates scalable revenue with limited balance-sheet financing needs. Structural demand for residential mortgages and diversified fee sources can sustain margins and cash generation as origination volumes recover and agent network expands.
Bears Say
Negative Stockholders' EquityA negative equity position (~-$5.5M) materially weakens financial flexibility and elevates perceived leverage despite modest nominal debt. It constrains strategic options, can hinder lender and counterparty confidence, and increases the risk of dilutive capital raises or covenant pressure over the coming months.
Large And Persistent Net LossesVery large TTM net losses and persistently negative margins indicate operating scale has not been achieved and profitability is distant. Sustained losses erode reserves, complicate reinvestment in growth and product development, and raise structural questions about business model scalability absent durable revenue improvements.
Negative And Inconsistent Cash GenerationNegative operating and free cash flow, combined with inconsistent historical cash generation, create an ongoing funding overhang. Recurring cash burn reduces runway for marketing and agent growth, increases reliance on external financing, and heightens execution risk if origination volumes or commission rates weaken.
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 $17.40M.
When is Pineapple Financial’s upcoming earnings report date?
Pineapple Financial’s upcoming earnings report date is Apr 21, 2026 which is in 25 days.
How were Pineapple Financial’s earnings last quarter?
Currently, no data Available
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 is -0.4.
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?
Currently, no data Available
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.
Technical Analysis
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