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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 Framework: Banks & Lenders Micro Cap
Pineapple Financial Inc. (PAPL), is a Micro Cap company, in the Mortgage Finance industry, last closed at $1.00, about 0.0% overvalued vs fair value, -19.4% 1Y return, ranked 975/1037 in sector.
Metrics Rev Growth 7.0% ROE -322.6% Gross Margin 7.1%
USD 1.00
-2.64%
(Delayed)
• Vol 90d: 138.0%
52-Week Range
Market Cap
$26.61M
Enterprise Value
$38.41M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Weak
Completeness: 70%
Confidence: 48%
Updated: Mar 8
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: $1.00

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
14
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
3
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing PAPL's balance between Growth (40.2%), Profitability (2.1%), and Safety (57.7%). Growth 40% Safety 58% Profitability 2%

Click axes to expand details. Marker shows current allocation.

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Growth

45th percentile vs peers
46
Key Signals
Asset Growth YoY 32.2% 93p EPS Growth YoY 55.7% 84p NII Growth YoY -58.1% 1p Equity Growth YoY -32.8% 2p
Strengths
  • Asset Growth YoY in top 20% of peers (32.2%, 93th percentile)
  • EPS Growth YoY in top 20% of peers (55.7%, 84th percentile)
  • Equity/Assets in top 20% of peers (16.7%, 87th percentile)
  • Debt/Assets in top 20% of peers (24.5%, 90th percentile)
  • D/E Ratio in top 20% of peers (1.47, 82th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-58.1%)
  • Equity Growth YoY in bottom 20% of peers (-32.8%)

Profitability

2th percentile vs peers
2
Key Signals
Strengths
Risks
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Safety

65th percentile vs peers
66
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:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bull
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Fair Value Range Current: $-
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