Pineapple Financial (PAPL)
XASE:PAPL
Want to see PAPL full AI Analyst Report?
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$0.50 - $9.53
Previous CloseN/A
Volume119.03K
Average Volume (3M)176.40K
Market Cap
$27.91M
Enterprise Value$3.16M
Total Cash (Recent Filing)$17.90M
Total Debt (Recent Filing)$19.62M
Price to Earnings (P/E)―
Beta-1.14
Next Earnings
Jul 20, 2026EPS Estimate
-0.41Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-20.70
Shares Outstanding26,088,652
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 Cap0.11
Enterprise Value/Revenue0.33
Enterprise Value/Gross Profit2.74
Enterprise Value/Ebitda-0.13
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
Mortgage Origination ScaleSustained origination volume and a national footprint underpin recurring fee economics and distribution leverage. A ~ $1.6–$1.7B run-rate supports stable brokerage commissions, enhances lender relationships, and provides a durable base for scaling subscription and analytics products over multiple quarters.
Stronger Liquidity & Capital PositionMaterial cash and liquid digital assets, plus improved equity, reduce short-term funding risk and provide runway to execute pilots and commercial initiatives. Low leverage gives financial flexibility to invest in product commercialization, support origination volatility, and pursue opportunistic buybacks.
Operational Reset & Cost DisciplineMeaningful and visible cost reductions plus positive adjusted operating metrics materially lower the break-even point. Sustained lower cash burn and efficiency gains improve the path to GAAP cash-flow breakeven and make growth investments less dilutive if management sustains discipline.
Bears Say
Severe Revenue Contraction & LossesA steep, persistent revenue decline and deeply negative margins indicate loss of scale and pressure on unit economics. Continued negative operating and free cash flow require either sustained funding or rapid revenue recovery; otherwise returns and growth investments remain constrained.
Large GAAP Volatility From Digital AssetsSignificant mark-to-market swings in the digital-asset treasury introduce recurring earnings volatility and valuation uncertainty. Even with governance, crypto price moves can create large noncash losses that impair comparability, complicate capital allocation and deter risk-averse counterparties.
Dependence On Early-stage Tokenization & TreasuryKey growth assumptions hinge on successful pilots for data/tokenization and consistent treasury yield generation. These initiatives are nascent and subject to execution, regulatory, and market risk; failure or delays would limit durable revenue diversification and leave the core brokerage exposed to market cycles.
Pineapple Financial News
PAPL FAQ
What was Pineapple Financial’s price range in the past 12 months?
Pineapple Financial lowest stock price was $0.50 and its highest was $9.53 in the past 12 months.
What is Pineapple Financial’s market cap?
Pineapple Financial’s market cap is $27.91M.
When is Pineapple Financial’s upcoming earnings report date?
Pineapple Financial’s upcoming earnings report date is Jul 20, 2026 which is in 45 days.
How were Pineapple Financial’s earnings last quarter?
Pineapple Financial released its earnings results on Apr 13, 2026. The company reported -$1.21 earnings per share for the quarter, missing the consensus estimate of -$0.404 by -$0.806.
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 is -0.41.
How many shares outstanding does Pineapple Financial have?
Pineapple Financial has 26,088,652 shares outstanding.
What happened to Pineapple Financial’s price movement after its last earnings report?
Pineapple Financial reported an EPS of -$1.21 in its last earnings report, missing expectations of -$0.404. Following the earnings report the stock price went up 3.949%.
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. operates as a mortgage technology and brokerage company in Canada. The company offers mortgage brokerage services and technology solutions to Canadian mortgage agents, brokers, sub-brokers, brokerages, and consumers through data-driven systems together with cloud based tools. The company also operates MyPineapple technology platform, which allows users to conduct their brokerage services. In addition, it offers back office support services, such as digital and automated onboarding and set up, loan packaging and processing, digital document collection and client portal, loan maintenance, payroll, lender communication, reporting requirements for regulators and business management, cloud services, expense collections, document preparation, compliance, training, administration, and marketing. Further, the company provides pre-underwriting support services, including credit review, data validation, fraud analysis and compliance, appraisal ordering and review, and data analytics. Additionally, it offers various insurance products, such as life, accident and disability, critical illness, and credit insurance. Pineapple Financial Inc. was formerly known as 2487269 Ontario Ltd and changed its name to Pineapple Financial Inc. in June 2021. The company was founded in 2016 and is based in North York, Canada.
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
―
Security National Financial
―
CNFinance Holdings
―
Income Opportunity Realty Investors
―
Velocity Financial
―
Ownership Overview
12.35% Insiders
0.04% Other Institutional Investors
87.61% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---