Pineapple Financial Inc. (PAPL)

Price$0.61

Favorite Metrics

Price vs S&P 500 (26W)-98.34%

Price vs S&P 500 (4W)-22.43%

Market Capitalization$15.44M

All Metrics

Book Value / Share (Quarterly)$0.68

P/TBV (Annual)3.62x

Revenue Growth (3Y)-6.03%

Cash Flow / Share (Quarterly)$-10.06

Price vs S&P 500 (YTD)-62.15%

Net Profit Margin (TTM)-320.23%

EPS (TTM)$-8.82

10-Day Avg Trading Volume0.13M

EPS Excl Extra (TTM)$-8.82

EPS (Annual)$-5.46

ROI (Annual)-162.74%

Net Profit Margin (5Y Avg)-94.49%

Cash / Share (Quarterly)$1.10

Revenue Growth QoQ (YoY)-5.79%

ROA (Last FY)-67.16%

Revenue Growth TTM (YoY)-2.18%

EBITD / Share (TTM)$-9.76

ROE (5Y Avg)-185.33%

Operating Margin (TTM)-299.89%

Cash Flow / Share (Annual)$-1.41

P/B Ratio17.03x

P/B Ratio (Quarterly)5.39x

Net Income / Employee (Annual)$-0

EV / Revenue (TTM)9.27x

Net Interest Coverage (TTM)-16.70x

ROA (TTM)-152.36%

EPS Incl Extra (Annual)$-5.46

Current Ratio (Annual)0.77x

Quick Ratio (Quarterly)0.11x

3-Month Avg Trading Volume1.23M

52-Week Price Return-89.61%

Revenue / Employee (TTM)$0

Tangible BV / Share (Quarterly)$0.12

P/S Ratio (Annual)5.17x

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-89.60%

Quick Ratio (Annual)0.74x

13-Week Price Return-52.26%

Total Debt / Equity (Annual)1.47x

Current Ratio (Quarterly)0.12x

Enterprise Value$27.241

Asset Turnover (TTM)0.48x

Revenue / Employee (Annual)$0

Pretax Margin (Annual)-121.82%

Cash / Share (Annual)$1.58

3-Month Return Std Dev123.38%

Net Income / Employee (TTM)$-0

ROE (Last FY)-401.30%

Net Interest Coverage (Annual)-86.76x

EPS Basic Excl Extra (Annual)$-5.46

Receivables Turnover (TTM)18.02x

Total Debt / Equity (Quarterly)1.47x

EPS Incl Extra (TTM)$-8.82

Receivables Turnover (Annual)24.14x

ROI (TTM)-156.83%

P/S Ratio (TTM)5.25x

Pretax Margin (5Y Avg)-94.69%

Revenue / Share (Annual)$4.49

Tangible BV / Share (Annual)$0.16

Price vs S&P 500 (52W)-124.71%

Year-to-Date Return-58.01%

5-Day Price Return-6.48%

EPS Normalized (Annual)$-5.46

ROA (5Y Avg)-54.94%

Net Profit Margin (Annual)-121.82%

Month-to-Date Return-7.54%

Cash Flow / Share (TTM)$-0.34

EBITD / Share (Annual)$-3.86

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)$-8.82

P/TBV (Quarterly)12.10x

P/B Ratio (Annual)5.39x

Pretax Margin (TTM)-320.23%

Book Value / Share (Annual)$0.68

Price vs S&P 500 (13W)-55.12%

Beta-2.90x

P/FCF (Annual)25.32x

Revenue / Share (TTM)$2.19

ROE (TTM)-399.30%

52-Week Low$0.20

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

4.14

Industry Peers — Finance Services(109)

Symbol	P/E Ratio (Annual)	ROE (TTM)	Operating Margin (TTM)	Revenue Growth (5Y)	Price
PAPLPineapple Financial Inc.	—	-399.30%	-299.89%	—	$0.61
AXPAmerican Express Company	20.87x	33.49%	17.76%	15.25%	$329.87
MSTRStrategy Inc Common Stock Class A	—	-7.97%	-1140.82%	-0.15%	$170.81
STRCStrategy Inc Variable Rate Series A Perpetual Stretch Preferred Stock	—	-7.97%	-1140.82%	-0.15%	$99.32
STRDStrategy Inc 10.00% Series A Perpetual Stride Preferred Stock	—	-7.97%	-1140.82%	-0.15%	$77.41
STRFStrategy Inc 10.00% Series A Perpetual Strife Preferred Stock	—	-7.97%	-1140.82%	-0.15%	$99.75
STRKStrategy Inc 8.00% Series A Perpetual Strike Preferred Stock	—	-7.97%	-1140.82%	-0.15%	$76.83
COINCoinbase Global, Inc. Class A Common Stock	44.34x	9.44%	19.99%	41.24%	$211.63
SYFSYNCHRONY FINANCIAL	7.72x	21.09%	18.39%	0.89%	$78.58
CRCLCircle Internet Group, Inc.	126.06x	-2.62%	-2.63%	—	$106.36
SOFISoFi Technologies, Inc. Common Stock	51.48x	5.87%	-19.92%	—	$19.50

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.