Symbols / PAPL $0.66 -4.22%
PAPL Chart
About
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 financial institutions, client access to rate information and mortgage options from lenders, and assistance in selecting mortgage solution. The company also provides back-office support services, such as digital and automated onboarding and set up, loan packaging and processing, digital document collection and client portals, loan maintenance activities, payroll, lender communication, reporting requirements for regulators and business management, cloud services, expense collections, document preparation, compliance, training, administration, and marketing. In addition, it offers pre-underwriting support services comprising credit review, data validation, fraud analysis and compliance, appraisal ordering and review, and data analytics; and insurance products, which include whole life, permanent life, critical illness, and credit insurance. Further, the company operates MyPineapple, a technology platform that allows users to conduct their brokerage services. It serves mortgage agents, brokers, sub-brokers, and brokerages and consumers. The company was formerly known as 2487269 Ontario Ltd and changed its name to Pineapple Financial Inc. in June 2021. Pineapple Financial Inc. was incorporated in 2015 and is headquartered in North York, Canada.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Mortgage Finance | Market Cap | 17.19M |
| Enterprise Value | 29.68M | Income | -9.42M | Sales | 2.94M |
| Book/sh | -4.08 | Cash/sh | 0.06 | Dividend Yield | — |
| Payout | 0.00% | Employees | 39 | IPO | — |
| P/E | — | Forward P/E | 16.48 | PEG | — |
| P/S | 5.84 | P/B | -0.16 | P/C | — |
| EV/EBITDA | -13.22 | EV/Sales | 10.09 | Quick Ratio | 0.11 |
| Current Ratio | 0.12 | Debt/Eq | — | LT Debt/Eq | — |
| EPS (ttm) | -8.26 | EPS next Y | 0.04 | EPS Growth | — |
| Revenue Growth | -5.80% | Earnings | 2025-07-14 16:00 | ROA | -19.60% |
| ROE | — | ROIC | — | Gross Margin | 100.00% |
| Oper. Margin | -25.32% | Profit Margin | 0.00% | Shs Outstand | 26.09M |
| Shs Float | 16.20M | Short Float | 2.32% | Short Ratio | 0.81 |
| Short Interest | — | 52W High | 9.53 | 52W Low | 0.20 |
| Beta | 2.63 | Avg Volume | 1.76M | Volume | 45.15K |
| Target Price | $5.00 | Recom | None | Prev Close | $0.69 |
| Price | $0.66 | Change | -4.22% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$5.00
Mean price target
2. Current target
$0.66
Latest analyst target
3. DCF / Fair value
$-0.24
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$0.66
Low
$5.00
High
$5.00
Mean
$5.00
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2025-12-04 | main | D. Boral Capital | Buy → Buy | $5 |
| 2025-04-16 | main | D. Boral Capital | Buy → Buy | $5 |
| 2025-02-27 | main | D. Boral Capital | Buy → Buy | $5 |
| 2025-01-22 | main | D. Boral Capital | Buy → Buy | $5 |
| 2025-01-06 | main | D. Boral Capital | Buy → Buy | $5 |
| 2024-05-29 | init | EF Hutton | — → Buy | $6 |
- Fintech Pineapple Financial sets $3M pool to buy back its own stock - Stock Titan hu, 12 Mar 2026 12
- PAPL Technical Analysis | Trend, Signals & Chart Patterns | PINEAPPLE FINANCIAL INC (NYSEARCA:PAPL) - ChartMill Fri, 13 Mar 2026 07
- Pineapple Financial Inc. (PAPL) - MSN hu, 05 Mar 2026 16
- Pineapple Financial Authorizes $3 Million Share Repurchase Program - TradingView hu, 12 Mar 2026 12
- Pineapple Financial Stock Rockets On Bold Move Into Injective Treasury - Yahoo Finance Fri, 05 Sep 2025 07
- EXCLUSIVE: Pineapple Financial Authorizes $3 Million Stock Buyback - Benzinga hu, 12 Mar 2026 11
- Fintech Pineapple slashes 60% of staff as AI hunts 40,000 mortgage agents - Stock Titan ue, 10 Mar 2026 12
- $PAPL stock is up 4262% today. Here's what we see in our data. - Quiver Quantitative ue, 22 Jul 2025 07
- Pineapple Financial Reveals Plan to Buy Back Shares Following Stock Slump - Fintech.ca | hu, 12 Mar 2026 16
- Pineapple Financial stock soars after closing $100 million private placement - Investing.com Fri, 05 Sep 2025 07
- Pineapple Financial Inc (Pre-Reincorporation) (PAPL) - MSN Fri, 06 Mar 2026 13
- PAPL Faces Turbulence Following Recent Financial Reports and Strategic Moves - StocksToTrade Wed, 21 Jan 2026 08
- Pineapple Financial to put $13.7B in mortgages on public blockchain - Stock Titan ue, 20 Jan 2026 08
- EXCLUSIVE: Pineapple Financial Plans AI Push In Restructuring To Boost Growth, $2.5 Million Cost Cuts - Benzinga ue, 10 Mar 2026 11
- Fintech taps crypto investor to steer digital asset treasury plan - Stock Titan Mon, 29 Dec 2025 08
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 1175 | 118 | — | Purchase at price 0.10 per share. | MARIN KENDALL LEO | Chief Operating Officer | — | 2025-07-16 00:00:00 | D |
| 1 | 89000 | 8378 | — | Purchase at price 0.09 - 0.10 per share. | MARIN KENDALL LEO | Chief Operating Officer | — | 2025-07-15 00:00:00 | D |
| 2 | 10100 | 968 | — | Purchase at price 0.09 - 0.10 per share. | MARIN KENDALL LEO | Chief Operating Officer | — | 2025-07-10 00:00:00 | D |
| 3 | 9000 | 857 | — | Purchase at price 0.09 - 0.10 per share. | MARIN KENDALL LEO | Chief Operating Officer | — | 2025-07-07 00:00:00 | D |
| 4 | 55500 | 5344 | — | Purchase at price 0.09 - 0.10 per share. | MARIN KENDALL LEO | Chief Operating Officer | — | 2025-07-02 00:00:00 | D |
| 5 | 138800 | 11065 | — | Purchase at price 0.06 - 0.09 per share. | MARIN KENDALL LEO | Chief Operating Officer | — | 2025-06-26 00:00:00 | D |
| 6 | 9475 | 564 | — | Purchase at price 0.05 - 0.07 per share. | MARIN KENDALL LEO | Chief Operating Officer | — | 2025-06-24 00:00:00 | D |
| 7 | 1999 | 84 | — | Purchase at price 0.04 per share. | MARIN KENDALL LEO | Chief Operating Officer | — | 2025-06-16 00:00:00 | D |
| 8 | 10000 | 510 | — | Purchase at price 0.05 per share. | MARIN KENDALL LEO | Chief Operating Officer | — | 2025-06-09 00:00:00 | D |
| 9 | 9824 | 589 | — | Purchase at price 0.06 per share. | GIANNOUKAKIS TASIS ANASTASIOS | Director | — | 2025-06-09 00:00:00 | D |
Financials
| Line Item | 2025-08-31 | 2024-08-31 | 2023-08-31 | 2022-08-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | 0.00 | 0.00 |
| TaxRateForCalcs | 0.00 | 0.00 | 0.00 | 0.00 |
| NormalizedEBITDA | -1.84M | -2.89M | -2.37M | -2.46M |
| TotalUnusualItems | -602.00K | -54.86K | 53.79K | 0.00 |
| TotalUnusualItemsExcludingGoodwill | -602.00K | -54.86K | 53.79K | 0.00 |
| NetIncomeFromContinuingOperationNetMinorityInterest | -3.64M | -4.10M | -2.81M | -2.81M |
| ReconciledDepreciation | 862.10K | 838.84K | 441.16K | 211.76K |
| ReconciledCostOfRevenue | 17.47M | 17.33M | 16.26M | 2.40M |
| EBITDA | -2.44M | -2.95M | -2.31M | -2.46M |
| EBIT | -3.30M | -3.79M | -2.75M | -2.72M |
| NetInterestIncome | -500.39K | -316.53K | -56.32K | -94.20K |
| InterestExpense | 336.12K | 316.53K | 56.32K | 94.20K |
| NormalizedIncome | -3.04M | -4.05M | -2.86M | -2.81M |
| NetIncomeFromContinuingAndDiscontinuedOperation | -3.64M | -4.10M | -2.81M | -2.81M |
| TotalExpenses | 21.42M | 21.32M | 19.24M | 6.32M |
| RentExpenseSupplemental | 212.01K | 278.71K | 173.28K | 213.57K |
| TotalOperatingIncomeAsReported | -2.95M | -3.82M | -2.78M | |
| DilutedAverageShares | 665.82K | 332.91K | 359.10K | 359.10K |
| BasicAverageShares | 665.82K | 332.91K | 359.10K | 359.10K |
| DilutedEPS | -5.31 | -22.92 | -7.82 | -7.83 |
| BasicEPS | -5.31 | -22.92 | -7.82 | -7.83 |
| DilutedNIAvailtoComStockholders | -3.64M | -4.10M | -2.81M | -2.81M |
| NetIncomeCommonStockholders | -3.64M | -4.10M | -2.81M | -2.81M |
| NetIncome | -3.64M | -4.10M | -2.81M | -2.81M |
| NetIncomeIncludingNoncontrollingInterests | -3.64M | -4.10M | -2.81M | -2.81M |
| NetIncomeContinuousOperations | -3.64M | -4.10M | -2.81M | -2.81M |
| TaxProvision | 0.00 | 0.00 | -27.12K | |
| PretaxIncome | -3.64M | -4.10M | -2.81M | -2.81M |
| OtherIncomeExpense | -529.89K | -54.86K | 53.79K | -61.21K |
| OtherNonOperatingIncomeExpenses | 72.11K | 76.54K | ||
| SpecialIncomeCharges | -3.60K | -156.34K | 53.79K | 0.00 |
| GainOnSaleOfPPE | -3.60K | 0.00 | ||
| OtherSpecialCharges | 156.34K | -80.93K | 61.21K | 2.21K |
| WriteOff | 0.00 | 27.14K | 0.00 | |
| SecuritiesAmortization | 223.06K | 0.00 | ||
| GainOnSaleOfSecurity | -598.40K | 101.48K | ||
| NetNonOperatingInterestIncomeExpense | -500.39K | -316.53K | -56.32K | -94.20K |
| TotalOtherFinanceCost | 164.28K | |||
| InterestExpenseNonOperating | 336.12K | 316.53K | 56.32K | 94.20K |
| OperatingIncome | -2.61M | -3.73M | -2.81M | -2.72M |
| OperatingExpense | 3.95M | 3.98M | 2.98M | 3.96M |
| OtherOperatingExpenses | -70.56K | -97.65K | -591.48K | 223.00 |
| DepreciationAmortizationDepletionIncomeStatement | 862.10K | 838.84K | 441.16K | 255.87K |
| DepreciationAndAmortizationInIncomeStatement | 862.10K | 838.84K | 441.16K | 255.87K |
| DepreciationIncomeStatement | 441.16K | 255.87K | 53.49K | |
| SellingGeneralAndAdministration | 3.16M | 3.24M | 3.13M | 3.70M |
| SellingAndMarketingExpense | 669.48K | 860.05K | 844.80K | 795.59K |
| GeneralAndAdministrativeExpense | 2.49M | 2.38M | 2.28M | 2.90M |
| OtherGandA | 1.95M | 2.01M | 2.08M | 1.91M |
| InsuranceAndClaims | 91.99K | 90.61K | 54.87K | 25.24K |
| RentAndLandingFees | 212.01K | 278.71K | 173.28K | 213.57K |
| SalariesAndWages | 235.01K | 0.00 | 33.09K | 723.22K |
| GrossProfit | 1.34M | 252.20K | 172.14K | 1.24M |
| CostOfRevenue | 17.47M | 17.33M | 16.26M | 2.36M |
| TotalRevenue | 18.81M | 17.58M | 16.43M | 3.60M |
| OperatingRevenue | 18.73M | 17.26M | 16.10M | 3.60M |
| ProfessionalExpenseAndContractServicesExpense | 389.65K | 73.68K |
| Line Item | 2025-08-31 | 2024-08-31 | 2023-08-31 | 2022-08-31 |
|---|---|---|---|---|
| OrdinarySharesNumber | 1.34M | 421.27K | 359.10K | 359.10K |
| ShareIssued | 1.34M | 421.27K | 359.10K | 359.10K |
| TotalDebt | 1.33M | 977.11K | 1.54M | 1.02M |
| TangibleBookValue | -1.59M | -862.46K | 66.98K | 3.92M |
| InvestedCapital | 1.54M | 1.35M | 2.22M | 4.63M |
| WorkingCapital | -682.10K | -505.42K | 523.71K | 3.70M |
| NetTangibleAssets | -1.59M | -862.46K | 66.98K | 3.92M |
| CapitalLeaseObligations | 699.96K | 977.11K | 1.11M | 1.02M |
| CommonStockEquity | 906.68K | 1.35M | 1.79M | 4.63M |
| TotalCapitalization | 906.68K | 1.35M | 1.79M | 4.63M |
| TotalEquityGrossMinorityInterest | 906.68K | 1.35M | 1.79M | 4.63M |
| StockholdersEquity | 906.68K | 1.35M | 1.79M | 4.63M |
| OtherEquityInterest | 88.14K | |||
| GainsLossesNotAffectingRetainedEarnings | -509.30K | -408.51K | -417.73K | -353.22K |
| OtherEquityAdjustments | -509.30K | -408.51K | -417.73K | -353.22K |
| RetainedEarnings | -13.40M | -9.76M | -5.66M | -2.85M |
| AdditionalPaidInCapital | 3.10M | 2.96M | 2.96M | 2.92M |
| CapitalStock | 11.62M | 8.56M | 4.90M | 4.90M |
| CommonStock | 11.62M | 8.56M | 4.90M | 4.90M |
| TotalLiabilitiesNetMinorityInterest | 4.51M | 2.75M | 2.84M | 1.80M |
| TotalNonCurrentLiabilitiesNetMinorityInterest | 1.51M | 1.35M | 1.67M | 1.02M |
| OtherNonCurrentLiabilities | 1.00 | |||
| DerivativeProductLiabilities | 632.75K | 41.52K | 0.00 | |
| NonCurrentDeferredLiabilities | 315.00K | 491.25K | 699.63K | |
| NonCurrentDeferredRevenue | 315.00K | 491.25K | 699.63K | |
| LongTermDebtAndCapitalLeaseObligation | 561.10K | 815.60K | 969.59K | 1.02M |
| LongTermCapitalLeaseObligation | 561.10K | 815.60K | 969.59K | 1.02M |
| CurrentLiabilities | 3.00M | 1.40M | 1.17M | 782.14K |
| OtherCurrentLiabilities | 1.00 | 1.00 | ||
| CurrentDeferredLiabilities | 108.55K | 111.92K | 0.00 | |
| CurrentDeferredRevenue | 108.55K | 111.92K | 0.00 | |
| CurrentDebtAndCapitalLeaseObligation | 767.98K | 161.51K | 568.47K | 2.02K |
| CurrentCapitalLeaseObligation | 138.86K | 161.51K | 138.37K | 2.02K |
| CurrentDebt | 629.12K | 430.10K | ||
| OtherCurrentBorrowings | 629.12K | 430.10K | ||
| PayablesAndAccruedExpenses | 2.13M | 1.13M | 605.32K | 780.11K |
| TotalAssets | 5.42M | 4.10M | 4.63M | 6.43M |
| TotalNonCurrentAssets | 3.10M | 3.20M | 2.93M | 1.94M |
| InvestmentsAndAdvances | 9.73K | 10.04K | 10.01K | 38.21K |
| OtherInvestments | 38.21K | 39.71K | ||
| InvestmentinFinancialAssets | 9.73K | 10.04K | 10.01K | 38.21K |
| FinancialAssetsDesignatedasFairValueThroughProfitorLossTotal | 9.73K | 10.04K | 10.01K | 38.21K |
| GoodwillAndOtherIntangibleAssets | 2.50M | 2.21M | 1.72M | 702.39K |
| OtherIntangibleAssets | 2.50M | 2.21M | 1.72M | 702.39K |
| NetPPE | 592.12K | 981.28K | 1.20M | 1.20M |
| AccumulatedDepreciation | -712.66K | -509.28K | -324.54K | -179.77K |
| GrossPPE | 1.30M | 1.49M | 1.53M | 1.38M |
| Leases | 1.18M | 1.08M | 297.72K | |
| OtherProperties | 338.23K | 355.58K | 349.28K | 297.00K |
| MachineryFurnitureEquipment | 349.28K | 297.00K | 67.38K | |
| BuildingsAndImprovements | 966.54K | 1.13M | 1.18M | 1.08M |
| Properties | 0.00 | 0.00 | 0.00 | 0.00 |
| CurrentAssets | 2.32M | 893.49K | 1.70M | 4.48M |
| OtherCurrentAssets | 1.00 | |||
| PrepaidAssets | 110.00K | 157.91K | 218.15K | 483.69K |
| Receivables | 92.22K | 155.22K | 758.99K | 104.20K |
| ReceivablesAdjustmentsAllowances | -48.52K | 0.00 | ||
| OtherReceivables | 2.41K | 94.28K | ||
| TaxesReceivable | 0.00 | 71.08K | 65.59K | |
| AccountsReceivable | 138.34K | 60.95K | 758.99K | 33.12K |
| CashCashEquivalentsAndShortTermInvestments | 2.12M | 580.36K | 720.37K | 3.90M |
| CashAndCashEquivalents | 2.12M | 580.36K | 720.37K | 3.90M |
| CashFinancial | 2.12M | 580.36K | 720.37K | 3.90M |
| CashCashEquivalentsAndFederalFundsSold | 3.90M | 7.01M |
| Line Item | 2025-08-31 | 2024-08-31 | 2023-08-31 | 2022-08-31 |
|---|---|---|---|---|
| FreeCashFlow | -1.89M | -2.83M | -3.48M | -2.89M |
| RepaymentOfDebt | -206.19K | -714.17K | -81.09K | -61.47K |
| IssuanceOfDebt | 629.12K | 387.37K | 430.10K | |
| IssuanceOfCapitalStock | 1.85M | 3.24M | 0.00 | 0.00 |
| CapitalExpenditure | -944.19K | -1.12M | -1.36M | -1.05M |
| InterestPaidSupplementalData | 218.51K | 35.28K | 0.00 | 0.00 |
| IncomeTaxPaidSupplementalData | 0.00 | 0.00 | 0.00 | 0.00 |
| EndCashPosition | 2.12M | 580.36K | 720.37K | 3.90M |
| BeginningCashPosition | 580.36K | 720.37K | 3.90M | 7.01M |
| EffectOfExchangeRateChanges | -23.07K | -226.99K | -47.08K | -165.39K |
| ChangesInCash | 1.56M | 86.98K | -3.13M | -2.95M |
| FinancingCashFlow | 3.45M | 2.91M | 349.01K | -61.47K |
| CashFlowFromContinuingFinancingActivities | 3.45M | 2.91M | 349.01K | -61.47K |
| NetOtherFinancingCharges | -487.31K | 430.10K | -1.00M | |
| ProceedsFromStockOptionExercised | 1.67M | 0.00 | ||
| NetCommonStockIssuance | 1.85M | 3.24M | 0.00 | 0.00 |
| CommonStockIssuance | 1.85M | 3.24M | 0.00 | 0.00 |
| NetIssuancePaymentsOfDebt | 422.94K | -326.80K | 349.01K | -61.47K |
| NetShortTermDebtIssuance | 629.12K | -130.10K | 430.10K | |
| ShortTermDebtPayments | 0.00 | -517.47K | 0.00 | |
| ShortTermDebtIssuance | 629.12K | 387.37K | 430.10K | |
| NetLongTermDebtIssuance | -206.19K | -196.70K | -81.09K | -61.47K |
| LongTermDebtPayments | -206.19K | -196.70K | -81.09K | -61.47K |
| LongTermDebtIssuance | 300.00K | 0.00 | ||
| InvestingCashFlow | -944.19K | -1.12M | -1.36M | -1.05M |
| CashFlowFromContinuingInvestingActivities | -944.19K | -1.12M | -1.36M | -1.05M |
| NetInvestmentPurchaseAndSale | 0.00 | 0.00 | -39.71K | |
| PurchaseOfInvestment | 0.00 | 0.00 | -39.71K | |
| NetIntangiblesPurchaseAndSale | -944.19K | -1.11M | -1.30M | -803.61K |
| PurchaseOfIntangibles | -944.19K | -1.11M | -1.30M | -803.61K |
| NetPPEPurchaseAndSale | 0.00 | -4.99K | -62.07K | -249.32K |
| PurchaseOfPPE | 0.00 | -4.99K | -62.07K | -249.32K |
| OperatingCashFlow | -946.82K | -1.71M | -2.12M | -1.83M |
| CashFlowFromContinuingOperatingActivities | -946.82K | -1.71M | -2.12M | -1.83M |
| ChangeInWorkingCapital | 882.45K | 1.08M | 135.22K | 8.16K |
| ChangeInOtherWorkingCapital | -179.62K | -96.45K | ||
| ChangeInPayablesAndAccruedExpense | 999.68K | 519.94K | -174.79K | 382.29K |
| ChangeInPayable | 382.29K | 212.79K | ||
| ChangeInAccountPayable | 382.29K | 235.67K | ||
| ChangeInTaxPayable | 0.00 | -22.88K | ||
| ChangeInIncomeTaxPayable | 0.00 | -22.88K | ||
| ChangeInPrepaidAssets | 47.91K | 60.24K | 265.55K | -336.36K |
| ChangeInReceivables | 14.48K | 596.22K | 44.47K | -37.77K |
| ChangesInAccountReceivables | 14.48K | 596.22K | -26.24K | -32.28K |
| OtherNonCashItems | 55.03K | 209.12K | 56.32K | 32.02K |
| StockBasedCompensation | 235.01K | 0.00 | 33.09K | 723.22K |
| AssetImpairmentCharge | 48.52K | 7.54K | 27.14K | 0.00 |
| DepreciationAmortizationDepletion | 862.10K | 838.84K | 441.16K | 211.76K |
| DepreciationAndAmortization | 862.10K | 838.84K | 441.16K | 211.76K |
| AmortizationCashFlow | 592.94K | 616.53K | 265.15K | 79.49K |
| AmortizationOfIntangibles | 592.94K | 616.53K | 265.15K | 79.49K |
| Depreciation | 269.16K | 222.31K | 176.01K | 132.27K |
| OperatingGainsLosses | 608.54K | 258.94K | 258.40K | |
| GainLossOnInvestmentSecurities | 608.54K | 63.77K | 258.40K | |
| NetForeignCurrencyExchangeGainLoss | 0.00 | 38.84K | 0.00 | |
| NetIncomeFromContinuingOperations | -3.64M | -4.10M | -2.81M | -2.81M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for PAPL
| Date | User | Broker | Pattern | Type | Position Size | Entry Price | Trade P&L | Status |
|---|