Pineapple Financial Inc.

PAPL • Financial - Mortgages

$0.97

— 0.00 (0.00%)

EarningsLatest report: May 31, 2026

HIGHER-RISK PROFILECautionConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Caution is warranted. Recent ratios show weaknesses that may limit returns unless fundamentals improve.

Market Cap

$1.30M

Growth

56.4%

Cash Flow

1/5

Trend

Volatile

Evidence

Positive revenue growth · 18.9%Weak liquidity · 0.77Weak profitability

Financial data as of: May 31, 2026, 12:00 AM UTCLast earnings update: May 31, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$0.97

Change0.00%

Shares Out1.34M

Market Cap$1.30M

Enterprise Value$-3.64M

52W Range0.54 - 9.13

Beta5.72

P/E-0.02

P/S0.14

P/B0.03

P/FCF-0.08

EV/Sales-0.39

Price$0.97

Change0.00%

Shares Out1.34M

Market Cap$1.30M

Enterprise Value$-3.64M

52W Range0.54 - 9.13

Beta5.72

P/E-0.02

P/S0.14

P/B0.03

P/FCF-0.08

EV/Sales-0.39

EV/EBITDA0.14

EV/FCF0.21

Dividend Yield0.00%

Gross Margin44.92%

Oper. Margin-98.70%

Profit Margin-121.82%

Debt/Eq1.47

Current Ratio0.77

Quick Ratio0.77

Revenue 5Y56.44%

Volume211.79K

Avg Volume3.65M

EPS Surprise0.23

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

22/100

Financial Strength

Debt, cash, stability

31/100

Growth Potential

Revenue and expansion

95/100

Price Attractiveness

Cheap or expensive today

87/100

Why this score▼

Positive revenue growth · 18.9%Weak liquidity · 0.77Weak profitability

Analyst view

Analyst sentiment and price target

PAPL

Analyst sentiment

Based on 1 analyst votes · 2026-10-20

100/100

Bullish

Hold

Bearish

Company Overview

IPO: 11/1/2023

Industry: Financial - Mortgages

P/B i: 0.03

Debt / Equity i: 1.47

Operating Margin: -98.70%

Net Margin: -121.82%

ROE i: -

ROIC: -

Financial Health

Score6 / 20

Debt / Equity: 1.47

Current Ratio: 0.77

Quick Ratio: 0.77

Status: Weak

Warnings

Weak Liquidity

Insider Transactions

Recent executive and insider activity

Georgiades Anthony

Transaction: 01/06/2026

OTHER

Change

Price

Not reported

Filing

04/13/2026

Type

OTHER

Injective Foundation

Transaction: 12/30/2025

OTHER

Change

Price

Not reported

Filing

01/05/2026

Type

OTHER

Baron Paul Robert Maurice

Transaction: 07/16/2025

BUY

Change

+2,500

Price

$1.30

Filing

07/21/2025

Type

BUY

Insider	Type	Change	Price	Transaction	Filing
Georgiades Anthony	OTHER	0	Not reported	01/06/2026	04/13/2026
Injective Foundation	OTHER	0	Not reported	12/30/2025	01/05/2026
Baron Paul Robert Maurice	BUY	+2,500	$1.30	07/16/2025	07/21/2025
Baron Paul Robert Maurice	BUY	+2,523	Not reported	07/16/2025	07/21/2025
Marin Kendall Leo	BUY	+600	$2.00	07/16/2025	07/18/2025
Habib Syed Sarfraz	BUY	+5,023	Not reported	07/16/2025	07/18/2025
Habib Syed Sarfraz	BUY	+11,046	$1.30	07/16/2025	07/18/2025
Giannoukakis Tasis Anastasios	BUY	+2,500	$1.30	07/16/2025	07/18/2025
Giannoukakis Tasis Anastasios	BUY	+2,523	Not reported	07/16/2025	07/18/2025
Marin Kendall Leo	BUY	+12,638	Not reported	07/16/2025	07/18/2025
Marin Kendall Leo	BUY	+20,000	$1.30	07/16/2025	07/18/2025
Dasgupta Shubha-Jeet	BUY	+12,638	Not reported	07/16/2025	07/18/2025
Dasgupta Shubha-Jeet	BUY	+20,000	$1.30	07/16/2025	07/18/2025
Green Charles Andrew	BUY	+10,000	$1.30	07/16/2025	07/18/2025
Green Charles Andrew	BUY	+11,092	Not reported	07/16/2025	07/18/2025
Marin Kendall Leo	BUY	+12,000	$0.09	07/15/2025	07/16/2025
Marin Kendall Leo	BUY	+4,000	$0.10	07/14/2025	07/16/2025
Marin Kendall Leo	BUY	+1,000	$0.10	07/11/2025	07/16/2025
Marin Kendall Leo	BUY	+2,100	$0.09	07/10/2025	07/10/2025
Marin Kendall Leo	BUY	+3,000	$0.10	07/08/2025	07/10/2025

About the Company

Pineapple Financial Inc.

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.

Source - link

Peers

AMTD APLM BSLK HVII KFIIR OBA PLMK QUMS RANG ZBAI

Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

Latest news

Pentiv Launches Intelligence Platform for Mortgage Agents and Brokerages

TORONTO--(BUSINESS WIRE)--Pentiv (NYSE American: PAPL), the new operating brand of Pineapple Financial Inc., today announced the launch of its intelligence platform for mortgage agents and brokerages, marking the next phase of the company's evolution. The platform builds on technology, permissioned data, and workflows developed within Pineapple Financial's operating network and is designed for broader commercialization across independent brokerages and mortgage networks. The company also announ.

Business Wire

Pineapple Financial (NYSEAMERICAN:PAPL) Shares Up 7.9% – Here’s Why

Pineapple Financial Inc. (NYSEAMERICAN:PAPL - Get Free Report)'s stock price traded up 7.9% during trading on Monday. The stock traded as high as $1.28 and last traded at $1.23. Approximately 138,623 shares traded hands during mid-day trading, a decline of 83% from the average session volume of 826,314 shares. The stock had previously closed

Defense World

Pineapple Financial Reports $25.3 Million in Third-Quarter Net Income as Company Enters Its Next Stage of Growth

Shareholders' equity grows to $51.6 million; reported total assets increase to $75.9 million; subscription revenue expands 11.6% year-to-date; Digital Asset Treasury strategy generates approximately $621,000 in year-to-date staking income Toronto, Ontario--(Newsfile Corp. - July 20, 2026) - Pineapple Financial Inc. (NYSE American: PAPL) ("Pineapple" or the "Company"), a technology-focused Canadian mortgage brokerage and fintech company, today reported its financial results for the three- and nine-month periods ended May 31, 2026. During the quarter, the Company continued executing its Digital Asset Treasury strategy while maintaining its core mortgage operations, further strengthening its balance sheet, growing recurring staking income and improved capital flexibility.

Newsfile Corp

Earnings Surprises

Period	Estimate	Actual	Surprise
2026-04-13	-0.404	-0.17	0.234
2026-01-20	-0.3961	-4.79	-4.3939
2025-12-03	-2	-2.74607	-0.74607
2025-07-14	-2	-0.04387	1.95613
2025-04-14	-0.06	-1.8	-1.74
2025-01-21	-0.08	-2.6	-2.52
2024-12-20	-0.07	-4	-3.93
2024-07-15	-0.1	-2.4	-2.3