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Company Analysis

Pineapple Financial Inc. PAPL

A comprehensive view of key metrics, scores, and financial health for Pineapple Financial Inc.

Overview of Pineapple Financial Inc.

PAPL ASE
Financial Services Mortgage Finance Micro Cap
Pineapple Financial Inc. (PAPL), is a Micro Cap company, in the Mortgage Finance industry, last closed at $0.69, about 0.0% overvalued vs fair value, -88.5% 1Y return, ranked 970/1004 in sector.
$0.69
9.52%
As of March 13, 2026
Previous close • Vol 90d: 159.6%
52-Week Range
Market Cap
$17.74M
Enterprise Value
$29.54M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://gopineapple.com
HQ North York, ON
Employees 39
Fiscal year Aug 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$0
$0
$0
Current: $0.69

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Expense
$336.1K
Net Interest Income
$-500.4K
-58.1%%
Total Revenue
$18.8M
7%%
Fee/Non-Interest Income
$19.3M
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-401.3%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Pineapple Financial Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
36
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
17
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing PAPL's balance between Growth (49.5%), Profitability (20.2%), and Safety (30.3%). Growth 50% Safety 30% Profitability 20%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

64th percentile vs peers
64
Key Signals
Revenue CAGR 3Y 73.5% 94p Rev Growth YoY 7.0% 44p EPS Growth YoY 55.7% 56p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (73.5%, 94th percentile)
  • Growth above peer median with strong metric coverage (75%)
Risks

No significant risks identified for this axis.

Profitability

26th percentile vs peers
26
Key Signals
Strengths
Risks
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Safety

39th percentile vs peers
39
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Pineapple Financial Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Fair Value Range Current: $-
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