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Pineapple financial inc.PAPL.US Overview

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PAPL Recent Performance

-0.95%

Pineapple financial inc.

1.79%

Avg of Sector

-0.31%

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PAPL Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

PAPL Profile

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.

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PAPL FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

PAPL Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
-7.12
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
6.17
PB Ratio
40.70
Price-to-FCF
-
METRIC
VALUE
vs. INDUSTRY
Gross Margin
100.00%
Net Margin
-326.22%
Revenue Growth (YoY)
-2.18%
Profit Growth (YoY)
-2.18%
3-Year Revenue Growth
13.51%
3-Year Profit Growth
91.41%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
-7.12
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
6.17
PB Ratio
40.70
Price-to-FCF
-
Gross Margin
100.00%
Net Margin
-326.22%
Revenue Growth (YoY)
-2.18%
Profit Growth (YoY)
-2.18%
3-Year Revenue Growth
13.51%
3-Year Profit Growth
91.41%

  • When is PAPL's latest earnings report released?

    The most recent financial report for Pineapple financial inc. (PAPL) covers the period of 2026Q1 and was published on 2025/11/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating PAPL's short-term business performance and financial health. For the latest updates on PAPL's earnings releases, visit this page regularly.

  • What is the operating profit of PAPL?

    According to the latest financial report, Pineapple financial inc. (PAPL) reported an Operating Profit of -6.3M with an Operating Margin of -872.37% this period, representing a decline of 1,113.1% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is PAPL's revenue growth?

    In the latest financial report, Pineapple financial inc. (PAPL) announced revenue of 721.73K, with a Year-Over-Year growth rate of -5.79%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does PAPL have?

    As of the end of the reporting period, Pineapple financial inc. (PAPL) had total debt of 13.28M, with a debt ratio of 1.25. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does PAPL have?

    At the end of the period, Pineapple financial inc. (PAPL) held Total Cash and Cash Equivalents of 1.48M, accounting for 0.14 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does PAPL go with three margins increasing?

    In the latest report, Pineapple financial inc. (PAPL) did not achieve the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of -872.37%%, and net margin of -892.3%%. This demonstrates limited improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess PAPL's profit trajectory and future growth potential.

  • Is PAPL's EPS continuing to grow?

    According to the past four quarterly reports, Pineapple financial inc. (PAPL)'s earnings per share (EPS) shows a declining trend, with the latest EPS at -4.79. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of PAPL?

    Pineapple financial inc. (PAPL)'s Free Cash Flow (FCF) for the period is -491.67K, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 48.02% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of PAPL?

    The latest valuation data shows Pineapple financial inc. (PAPL) has a Price-To-Earnings (PE) ratio of -3.82 and a Price/Earnings-To-Growth (PEG) ratio of -0. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.