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PAPL Stock Chart & Stats
$1.14
<$0.01(0.87%)
At close: 4:00 PM EDT
$1.14
<$0.01(0.87%)
Day’s Range― - ―
52-Week Range$0.54 - $9.13
Previous CloseN/A
Volume123.53K
Average Volume (3M)176.40K
Market Cap
$27.04M
Enterprise Value$38.90
Total Cash (Recent Filing)$5.09M
Total Debt (Recent Filing)$22.04M
Price to Earnings (P/E)―
Beta-0.81
Next Earnings
Dec 10, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-39.43
Shares Outstanding25,271,196
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)-0.31
Revenue Forecast (FY)$3.53M
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet & LiquidityMaterial cash, positive working capital and a sizable digital-asset treasury provide multi‑quarter operational runway and solvency flexibility. This durable liquidity base supports continued cost restructuring, underwriting of originations and deliberate commercialization even if mortgage volumes remain soft.
Sustained Cost Reductions And Operating ImprovementMeaningful, sustained cost cuts and lower monthly burn materially reduce financing dependency and shorten the path to breakeven. If maintained, improved adjusted operating income and EBITDA create durable operating leverage and increase odds of self-funded growth and reinvestment.
Scale In Mortgage Originations And National FootprintA national origination footprint with an annualized run‑rate establishes a recurring fee base and distribution scale. Durable origination volumes support steady brokerage commissions, provide data to monetize via subscription/API products, and underpin platform economics over multiple market cycles.
Bears Say
Severely Deteriorated Revenue And Deep LossesPersistently collapsing revenue and very large negative margins signal structural profitability problems. Ongoing GAAP losses erode retained capital and limit ability to fund product development or sales expansion without continued reliance on non‑operational asset liquidity or external financing.
Negative Operating And Free Cash FlowChronic negative cash flows create durable liquidity risk despite recent cuts. The business remains a cash consumer, meaning long‑term viability depends on sustaining cost discipline, converting adjusted profits to cash, or realizing value from digital assets or financing sources.
Exposure To Digital-asset Volatility And Early Tokenization RiskHeavy reliance on a digital‑asset treasury and nascent tokenization/data pilots introduces structural earnings and valuation volatility. Continued dependence on crypto yields or tokenization commercialization risks unpredictable mark‑to‑market swings and uncertain timing to generate material recurring revenue.
Pineapple Financial News
PAPL FAQ
What was Pineapple Financial’s price range in the past 12 months?
Pineapple Financial lowest stock price was $0.54 and its highest was $9.13 in the past 12 months.
What is Pineapple Financial’s market cap?
Pineapple Financial’s market cap is $27.04M.
When is Pineapple Financial’s upcoming earnings report date?
Pineapple Financial’s upcoming earnings report date is Dec 10, 2026 which is in 116 days.
How were Pineapple Financial’s earnings last quarter?
Pineapple Financial released its earnings results on Jul 20, 2026. The company reported $0.99 earnings per share for the quarter, beating the consensus estimate of -$0.412 by $1.402.
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 25,271,196 shares outstanding.
What happened to Pineapple Financial’s price movement after its last earnings report?
Pineapple Financial reported an EPS of $0.99 in its last earnings report, beating expectations of -$0.412. Following the earnings report the stock price went down -13.341%.
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., headquartered in North York, Canada, is a Canadian enterprise specializing in mortgage technology and brokerage services. The company delivers comprehensive mortgage brokerage solutions alongside advanced technological tools. These offerings are designed for a wide array of Canadian mortgage professionals, including agents, brokers, sub-brokers, and entire brokerages, as well as direct consumers. Leveraging sophisticated data-driven systems and cloud-based platforms, its technology suite includes the MyPineapple platform, which empowers users to efficiently manage and execute their brokerage operations. Beyond its core offerings, Pineapple Financial provides extensive back-office support. This encompasses digital onboarding, streamlined loan packaging and processing, a client portal for document management, loan maintenance, and critical administrative functions such as payroll, lender communications, regulatory reporting, and business management. It also covers cloud services, expense collection, document preparation, compliance oversight, training programs, general administration, and marketing assistance. Additionally, the company delivers pre-underwriting assistance, covering crucial aspects like credit assessment, data verification, fraud detection and compliance checks, appraisal coordination and review, and comprehensive data analytics. Furthermore, Pineapple Financial diversifies its portfolio with an array of insurance products, including life, accident and disability, critical illness, and credit insurance. Founded in 2016, the company was initially known as 2487269 Ontario Ltd before rebranding to Pineapple Financial Inc. in June 2021.
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
― Insiders
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Mutual Funds
0.09% Other Institutional Investors
99.91% Public Companies and
Individual Investors









