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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$0.54 - $9.53
Previous CloseN/A
Volume119.03K
Average Volume (3M)176.40K
Market Cap
$19.21M
Enterprise Value$38.90
Total Cash (Recent Filing)$5.09M
Total Debt (Recent Filing)$146.34K
Price to Earnings (P/E)―
Beta-0.75
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 SheetLow reported debt relative to equity and a sizable equity base give Pineapple multi-quarter solvency runway despite operating losses. This conservative capital structure preserves optionality for execution of initiatives and reduces near-term refinancing pressure while management pursues breakeven.
Operational Reset & Cost SavingsMeaningful, sustained expense reductions and >50% burn cut improve operating leverage and materially shorten the path to cash-flow breakeven. Durable cost discipline raises the probability adjusted EBITDA and normalized operating income remain positive as volumes and recurring revenues grow.
Scale In Mortgage OriginationsA national origination run-rate near $1.6–$1.7B demonstrates an established distribution footprint and repeatable brokerage flows. Scale supports recurring commission economics, platform subscription expansion and data-monetization prospects that underpin longer-term margin improvement if commercialization executes.
Bears Say
Deeply Negative ProfitabilityPersistent, large operating and net losses across reporting periods indicate the core brokerage and platform are not yet self-sustaining. Continued negative margins limit internal reinvestment, elevate liquidity risk if cost discipline stalls, and constrain the company's ability to fund strategic initiatives from operations.
Digital Asset Mark-to-market VolatilityA sizable digital-asset treasury creates recurring earnings volatility and valuation swings that can materially depress GAAP equity and amplify perceived risk. Reliance on staking/yield strategies means treasury performance and market moves directly affect capital available for operations and shareholder returns.
Modest Revenue Base & Market HeadwindsA small absolute revenue base constrains scale benefits and makes fixed costs harder to absorb. Combined with Canadian mortgage affordability headwinds, organic top-line expansion may be slow, prolonging dependence on cost cuts, treasury yields or tokenization commercialization to reach sustainable profitability.
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 $9.53 in the past 12 months.
What is Pineapple Financial’s market cap?
Pineapple Financial’s market cap is $19.21M.
When is Pineapple Financial’s upcoming earnings report date?
Pineapple Financial’s upcoming earnings report date is Dec 10, 2026 which is in 140 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.
Technical 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
0.04% Other Institutional Investors
99.96% Public Companies and
Individual Investors