PAPL logo

PINEAPPLE FINANCIAL INC

PAPLNYSE AMERICAN
πŸ† #4713 by market capUS Equity
$0.98β–Ό $0.01 (βˆ’0.64%)
Market closed Β· at close
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24hβ–Ό 0.6%
7dβ–² 5.1%
14dβ–² 5.2%
30dβ–² 1.2%
ytdβ–Ό 34.8%
1yβ–Ό 83.2%
🏦Market Cap
$25M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-6.5%
Declining
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
β€”
βš–οΈP/S Ratio
9.0x
Elevated
Otter Score
76
Good

Trading Snapshot

Day Range
$0.97 – $0.99
52-Week Range
$0.54 – $6.23
Volume
$2.36B
Avg Volume
$2.20B
Shares Outstanding
25.3M
Next Earnings
Nov 15, 2026

Fundamentals Snapshot

Annual Revenue
$3M
Last Q Revenue
$622,502
P/E Ratio
β€”
P/S Ratio
9.0x
EPS (TTM)
$-6.72
Dividend Yield
β€”
Dilution (1yr)
βˆ’81.2%

Why Investors Own PAPL

  • βœ“High-growth profile β€” revenue up +43.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 35% gross margin and 9% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

PAPL logo

PINEAPPLE FINANCIAL INC

PAPL
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$3Mβ–² +11.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
44.9%β–² +379.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
βˆ’$3Mβ–Ό βˆ’22.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$2Mβ–Ό βˆ’33.1% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
1.3Mβ–Ό βˆ’81.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$186Kβ–² +$1M YoY
StockOtter Β· stockotter.space

About 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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
76/100

Analyst Ratings

β“˜
Consensus
Buy
7 analysts
Strong Buy2
Buy4
Hold1
Sell0
Strong Sell0
Ratings as of Sep 2026

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