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Pineapple Financial (PTIV) AI Stock Analysis
Pineapple Financial
(NYSE MKT:PTIV)
The score is primarily weighed down by weak financial performance—deteriorating revenue/margins and negative operating and free cash flow—partly offset by a comparatively low-leverage balance sheet. Technicals are mixed with a longer-term downtrend but some oversold signals, while valuation is hard to support given negative earnings and no dividend. A recent corporate event adds modest support through improved treasury governance, though it may increase risk tied to digital assets.
Pineapple Financial (PTIV) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $18.92M
- Dividend Yield
- ―
- Average Volume (3M)
- 95.06K
- Price to Earnings (P/E)
- -0.0
- Beta (1Y)
- -0.78
- Revenue Growth
- -17.27%
- EPS Growth
- 21.69%
- Country
- US
- Employees
- 39
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
Pineapple Financial Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
Pineapple Financial primarily makes money by earning brokerage revenue tied to arranging residential mortgages between borrowers and lending institutions. This typically includes commissions or fees paid in connection with successful mortgage origina...
Pineapple Financial Financial Statement Overview
Summary
Overall fundamentals are weak. Income statement performance is deteriorating with sharply negative TTM revenue growth and deeply negative margins, and cash flow remains negative with ongoing cash burn. The main offset is a relatively conservative balance sheet with low debt versus equity, providing some solvency runway despite negative returns on equity.
Income Statement
18Very NegativeBalance Sheet
56NeutralCash Flow
27Negative| Breakdown | TTM | Nov 2025 | Nov 2024 | Nov 2023 | Aug 2022 | Aug 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.45M | 2.99M | 2.69M | 2.50M | 3.60M | 16.12M |
| Gross Profit | -1.31M | 1.34M | 252.20K | 172.14K | 1.24M | 2.87M |
| EBITDA | -26.64M | -2.43M | -3.17M | -2.31M | -2.46M | -180.18K |
| Net Income | -53.01M | -3.64M | -4.10M | -2.81M | -2.81M | -234.68K |
Balance Sheet | ||||||
| Total Assets | 75.85M | 5.42M | 4.10M | 4.63M | 6.43M | 7.58M |
| Cash, Cash Equivalents and Short-Term Investments | 5.09M | 2.12M | 580.36K | 720.37K | 3.90M | 7.01M |
| Total Debt | 22.04M | 1.33M | 977.11K | 1.54M | 1.02M | 263.24K |
| Total Liabilities | 24.23M | 4.51M | 2.75M | 2.84M | 1.80M | 662.56K |
| Stockholders Equity | 51.62M | 906.68K | 1.35M | 1.79M | 4.63M | 6.92M |
Cash Flow | ||||||
| Free Cash Flow | -5.26M | -1.89M | -2.83M | -3.48M | -2.89M | 606.92K |
| Operating Cash Flow | -5.13M | -946.82K | -1.71M | -2.12M | -1.83M | 668.55K |
| Investing Cash Flow | -26.99M | -944.19K | -1.12M | -1.36M | -1.05M | -101.35K |
| Financing Cash Flow | 41.58M | 3.45M | 2.91M | 349.01K | -61.47K | 6.27M |
Pineapple Financial Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PTIV, the sentiment is Negative. The current price of 0.75 is below the 20-day moving average (MA) of 0.90, below the 50-day MA of 0.95, and below the 200-day MA of 0.93, indicating a bearish trend. The MACD of -0.02 indicates Positive momentum. The RSI at 38.21 is Neutral, neither overbought nor oversold. The STOCH value of 42.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PTIV.
Pineapple Financial Risk Analysis
Pineapple Financial disclosed 58 risk factors in its most recent earnings report. Pineapple Financial reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksPineapple Financial Peers Comparison
Overall Rating
SNFCA78Outperform
VEL70Outperform
IOR61Neutral
GHI52Neutral- PTIV48Neutral
CNF38.7Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| SNFCA | 78Outperform | $249.43M | 5.83 | 9.13% | ― | -1.14% | 73.36% |
| VEL | 70Outperform | $620.65M | 5.65 | 15.83% | ― | 31.59% | 17.94% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| IOR | 61Neutral | $73.19M | 20.87 | 2.95% | ― | ― | -13.27% |
| GHI | 52Neutral | $118.19M | -27.34 | >-0.01% | 13.19% | -23.84% | -348.41% |
| PTIV | 48Neutral | $18.92M | -0.02 | -286.01% | ― | -17.27% | 21.69% |
| CNF | 39Underperform | $32.87M | -0.01 | -24.56% | ― | ― | ― |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PTIV | Pineapple Financial, Inc. | 0.75 | -3.04 | -80.26% | |
| GHI | Greystone Housing Impact Investors Lp | 5.08 | -2.31 | -31.23% | |
| SNFCA | Security National Financial | 9.15 | 1.44 | 18.62% | |
| CNF | Cnfinance Holdings | 1.95 | -3.24 | -62.43% | |
| IOR | Income Opportunity Realty Investors | 18.00 | -0.28 | -1.53% | |
| VEL | Velocity Financial, Inc. | 15.72 | -3.02 | -16.12% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 19, 2026