Pineapple Financial Inc. PAPL FINANCIAL
Company Overview
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. In addition, it offers pre-underwriting support services comprising credit review, data validation, fraud analysis and compliance, appraisal ordering and review, and data analytics; and insurance products, which include whole life, permanent life, critical illness, and credit insurance. Further, the company operates MyPineapple, a technology platform that allows users to conduct their brokerage services. It serves mortgage agents, brokers, sub-brokers, and brokerages and consumers. The company was formerly known as 2487269 Ontario Ltd and changed its name to Pineapple Financial Inc. in June 2021. Pineapple Financial Inc. was incorporated in 2015 and is headquartered in North York, Canada.
Why Investors Should Care
Revenue has grown at a 73.5% CAGR over the past five years.
Recent Developments
- Aug 2025 Revenue of $18.81M (+7.0% YoY); net profit $-3.64M.
- Trailing 12 Months Year-on-year growth — revenue -16.7%.
- 5-Year Trend Long-term compounding — revenue CAGR 73.5%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 73.52% |
| 1 Year: | -16.70% |
Stock Price Performance
| 1 Year: | -78.41% |
| 6 Months: | +47.83% |
| 3 Months: | -7.61% |
| 1 Month: | -12.65% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)41.05 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 73.5% over 5 years.
CONS
- Trading 86.5% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PAPL Pineapple Financial Inc. FINANCIAL | 0.96 | -0.51 | $24.26M | 0.00% | -107.98% | -12.09% | 73.52% | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Nov 2022 | Feb 2023 | May 2023 | Nov 2023 | Feb 2024 | May 2024 | Aug 2024 | Nov 2024 | Feb 2025 | May 2025 | Aug 2025 | Nov 2025 | Feb 2026 | May 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 892.02K | 493.49K | 603.23K | 569.36K | 784.87K | 736.45K | - | - | - | 4.91M | 16.55M | 4.44M | 3.88M | 3.75M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | 4.55M | 16.25M | 3.88M | 3.14M | 3.12M |
| Gross Profit | - | - | - | - | - | - | - | - | - | 352.25K | 306.12K | 559.34K | 740.53K | 630.33K |
| Operating Expenses | - | - | - | - | - | - | - | - | - | 1.02M | 1.23M | 715.08K | 18.19M | 1.07M |
| Operating Income | - | -685.09K | -808.23K | -876.33K | -659.33K | -896.15K | - | - | - | -665.32K | -924.76K | -155.73K | -17.45M | -442.25K |
| EBITDA | - | - | - | - | - | - | - | - | - | -307.17K | -1.58M | -5.95M | -18.89M | 25.99M |
| Interest Expense | - | - | - | - | - | - | - | - | - | 31.22K | 29.85K | 265.24K | 364.78K | 448.51K |
| Pretax Income | - | - | - | - | - | - | - | - | - | -557.74K | -1.82M | -6.44M | -19.50M | 25.25M |
| Tax Provision | - | - | - | - | - | - | - | - | 0 | 0 | - | - | 0 | 0 |
| Net Income | -762.07K | -685.09K | -808.23K | -897.76K | -657.46K | -848.61K | -1.72M | - | - | -557.74K | -1.82M | -6.44M | -19.50M | 25.25M |
| Diluted EPS | -0.12 | -0.10 | -0.13 | -0.14 | -0.10 | -0.12 | - | - | -1.73 | -0.93 | - | -4.79 | -1.21 | 0.99 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Aug 2021 | Aug 2022 | Aug 2023 | Aug 2024 | Aug 2025 |
|---|---|---|---|---|---|
| Revenue | - | 3.60M | 16.43M | 17.58M | 18.81M |
| Cost of Revenue | - | 2.36M | 16.26M | 17.33M | 17.47M |
| Gross Profit | - | 1.24M | 172.14K | 252.20K | 1.34M |
| Operating Expenses | - | 3.96M | 2.98M | 3.98M | 3.95M |
| Operating Income | - | -2.72M | -2.81M | -3.73M | -2.61M |
| EBITDA | - | -2.46M | -2.31M | -2.95M | -2.44M |
| Interest Expense | - | 94.20K | 56.32K | 316.53K | 336.12K |
| Pretax Income | - | -2.81M | -2.81M | -4.10M | -3.64M |
| Tax Provision | -27.12K | 0 | 0 | - | - |
| Net Income | - | -2.81M | -2.81M | -4.10M | -3.64M |
| Diluted EPS | - | -7.83 | -7.82 | -22.92 | -5.31 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Aug 2021 | Aug 2022 | Aug 2023 | Aug 2024 | Aug 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 6.43M | 4.63M | 4.10M | 5.42M |
| Current Assets | - | 4.48M | 1.70M | 893.49K | 2.32M |
| Cash & Equivalents | - | 3.90M | 720.37K | 580.36K | 2.12M |
| Inventory | - | - | - | - | - |
| Receivables | - | 33.12K | 758.99K | 60.95K | 138.34K |
| Total Liabilities | - | 1.80M | 2.84M | 2.75M | 4.51M |
| Current Liabilities | - | 782.14K | 1.17M | 1.40M | 3.00M |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 1.02M | 1.54M | 977.11K | 1.33M |
| Total Equity | - | 4.63M | 1.79M | 1.35M | 906.68K |
| Shares Outstanding | - | 359.10K | 359.10K | 421.27K | 1.34M |
Cash Flows (Annual)
Figures in USD.
| Metric | Aug 2021 | Aug 2022 | Aug 2023 | Aug 2024 | Aug 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -1.83M | -2.12M | -1.71M | -946.82K |
| Investing Cash Flow | - | -1.05M | -1.36M | -1.12M | -944.19K |
| Financing Cash Flow | - | -61.47K | 349.01K | 2.91M | 3.45M |
| Capital Expenditure | - | -1.05M | -1.36M | -1.12M | -944.19K |
| Free Cash Flow | - | -2.89M | -3.48M | -2.83M | -1.89M |
| Net Change in Cash | - | -2.95M | -3.13M | 86.98K | 1.56M |
Ratios (Annual)
Figures in %.
| Metric | Aug 2021 | Aug 2022 | Aug 2023 | Aug 2024 | Aug 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | 34.5% | 1.0% | 1.4% | 7.1% |
| Operating Margin % | - | -75.4% | -17.1% | -21.2% | -13.9% |
| Net Margin % | - | -78.0% | -17.1% | -23.3% | -19.3% |
| ROE % | - | -60.7% | -157.3% | -304.1% | -401.3% |
| ROCE % | - | -48.1% | -81.2% | -138.3% | -108.0% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Xtx Topco Ltd | 4.97% | 49.94K | $43.56K |
| 2 | Citadel Advisors Llc | 4.60% | 46.17K | $40.27K |
| 3 | Stonex Group Inc. | 2.29% | 23.00K | $20.06K |
| 4 | Jane Street Group, LLC | 2.06% | 20.73K | $18.08K |
| 5 | UBS Group AG | 0.83% | 8.33K | $7.27K |
| 6 | TD Waterhouse Canada Inc. | 0.13% | 1.30K | $1.14K |
| 7 | Morgan Stanley | 0.05% | 539 | $470 |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PAPL
Pineapple Financial's Q3 Net Income Included a $25.8M Digital-Asset Gain - Stock Titan
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PAPL - Finviz
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Pineapple Financial Announces Expanded $15 Million Share Repurchase Program - finance.yahoo.com
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$Pineapple Financial Inc (PAPL.US)$ i think what need is - Moomoo
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Pineapple Financial expands share buyback to $15M, immediate repurchases to commence - tradingview.com
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PAPL — Frequently Asked Questions
What is the current share price of Pineapple Financial Inc. (PAPL)?
As of 2026-09-19 21:16 PDT, Pineapple Financial Inc. (PAPL) trades at $0.96 on NYSE American. Its 52-week range is $0.58 to $7.09.
What is the market capitalisation of PAPL?
Pineapple Financial Inc. (PAPL) has a market capitalisation of $24.26M on NYSE American.
What is the P/E ratio of PAPL?
PAPL trades at a trailing price-to-earnings (P/E) ratio of -0.51. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.43.
What is the return on equity (ROE) of PAPL?
PAPL has a return on equity (ROE) of -12.09%. Its return on capital employed (ROCE) is -107.98%.
Is PAPL a good stock to buy?
This page provides a data-driven analysis of Pineapple Financial Inc. (PAPL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.