Pineapple Financial Inc. (PAPL)

Price$0.94

Value ScoreD

Growth ScoreD

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-80.60%

Price vs S&P 500 (4W)-16.80%

VGM Score40.14

Market Capitalization$24.52M

All Metrics

Book Value / Share (Quarterly)$1.04

P/TBV (Annual)3.62x

Revenue Growth (3Y)-6.03%

Cash Flow / Share (Quarterly)$-0.71

Price vs S&P 500 (YTD)-41.49%

Net Profit Margin (TTM)-975.17%

EPS (TTM)$-8.71

10-Day Avg Trading Volume0.13M

EPS Excl Extra (TTM)$-8.71

EPS (Annual)$-5.46

ROI (Annual)-162.74%

Net Profit Margin (5Y Avg)-94.49%

Cash / Share (Quarterly)$0.68

Revenue Growth QoQ (YoY)-4.84%

ROA (Last FY)-67.16%

Revenue Growth TTM (YoY)-2.03%

EBITD / Share (TTM)$-5.25

ROE (5Y Avg)-185.33%

Operating Margin (TTM)-896.63%

Cash Flow / Share (Annual)$-1.41

P/B Ratio0.91x

P/B Ratio (Quarterly)0.66x

Net Income / Employee (Annual)$-93,300

EV / Revenue (TTM)9.09x

Net Interest Coverage (TTM)-16.70x

ROA (TTM)-162.67%

EPS Incl Extra (Annual)$-5.46

Current Ratio (Annual)0.77x

Quick Ratio (Quarterly)1.14x

3-Month Avg Trading Volume2.66M

52-Week Price Return-31.88%

Revenue / Employee (TTM)$74,400

Tangible BV / Share (Quarterly)$0.08

P/S Ratio (Annual)8.21x

Asset Turnover (Annual)0.55x

52-Week High$9.53

Operating Margin (5Y Avg)-89.16%

EPS Excl Extra (Annual)$-5.46

26-Week Price Return-72.67%

Quick Ratio (Annual)0.74x

13-Week Price Return34.15%

Total Debt / Equity (Annual)1.47x

Current Ratio (Quarterly)1.15x

Enterprise Value$26.40M

Asset Turnover (TTM)0.17x

Revenue / Employee (Annual)$76,600

Pretax Margin (Annual)-121.82%

Cash / Share (Annual)$1.58

3-Month Return Std Dev172.61%

Net Income / Employee (TTM)$-726,000

ROE (Last FY)-401.30%

Net Interest Coverage (Annual)-5.74x

EPS Basic Excl Extra (Annual)$-5.46

Receivables Turnover (TTM)14.84x

Total Debt / Equity (Quarterly)0.72x

EPS Incl Extra (TTM)$-8.71

Receivables Turnover (Annual)24.14x

ROI (TTM)-128.03%

P/S Ratio (TTM)8.45x

Pretax Margin (5Y Avg)-94.69%

Revenue / Share (Annual)$4.49

Tangible BV / Share (Annual)$0.16

Price vs S&P 500 (52W)-56.25%

Year-to-Date Return-33.33%

5-Day Price Return-12.15%

EPS Normalized (Annual)$-5.46

ROA (5Y Avg)-54.94%

Net Profit Margin (Annual)-121.82%

Month-to-Date Return-12.15%

Cash Flow / Share (TTM)$-0.34

EBITD / Share (Annual)$-3.13

Operating Margin (Annual)-98.70%

LT Debt / Equity (Annual)22.02x

ROI (5Y Avg)-95.31%

LT Debt / Equity (Quarterly)0.04x

EPS Basic Excl Extra (TTM)$-8.71

P/TBV (Quarterly)8.40x

P/B Ratio (Annual)5.39x

Pretax Margin (TTM)-975.17%

Book Value / Share (Annual)$0.68

Price vs S&P 500 (13W)25.90%

Beta5.74x

P/FCF (Annual)40.20x

Revenue / Share (TTM)$0.18

ROE (TTM)-227.51%

52-Week Low$0.50

vGradeD

gGradeD

mGradeC

vgmGradeC

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4.14

Industry Peers — Finance Services(153)

Symbol	Value Score	Growth Score	Momentum Score	Price
PAPLPineapple Financial Inc.	D	D	C	$0.94
AXPAmerican Express Company	D	B	B	$310.66
NUNu Holdings Ltd.	D	B	C	$11.97
MSTRStrategy Inc Common Stock Class A	D	D	D	$120.44
COINCoinbase Global, Inc. Class A Common Stock	D	C	D	$152.40
SYFSYNCHRONY FINANCIAL	B	C	B	$70.84
SOFISoFi Technologies, Inc. Common Stock	D	B	C	$16.03
CRCLCircle Internet Group, Inc.	D	C	C	$80.28
IRENIREN Limited Ordinary Shares	F	B	B	$54.35
WULFTeraWulf Inc. Common Stock	F	B	A	$24.00
HUTHut 8 Corp. Common Stock	F	A	A	$112.24

About

Pineapple Financial Inc is a Canada-based mortgage technology and brokerage platform serving mortgage agents, brokers, and consumers. The company leverages cloud-based tools and data-driven systems to deliver competitive advantages and back-office solutions in the Canadian mortgage industry.