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COMPANY SUMMARY
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.
Financial Summary
| Share Statistics | PAPL | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $28.8 | $2,409.3 | 12% |
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| Shares Out (Mil) | 25.6 | 72.0 | 34% |
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| Institutional Ownership | 1.1% | 86.6% | 3% |
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| Float (Mil) | 7.2 | 61.7 | 15% |
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| Beta | 5.72 | 0.93 | 100% |
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| Avg Daily Volume (000s) | 1,613 | 441 | 78% |
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| Price Change (52-week) |
(61.6%) | 76.1% | 12% |
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| Growth | PAPL | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 13.4% | 10.9% | 69% |
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| Net Income (5yr) | (82.1%) | 8.2% | 3% |
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| EPS (5yr) | (40.6%) | 11.4% | 5 |
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| Dividends (5yr) | 0.0% | 0.0% | 0% |
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| Cash Flow (5yr) | 8.3% | (15.0%) | 69% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | PAPL | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $3 | $1,233 | 4% |
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| Net Income (TTM) (Mil) | ($3) | $73 | 35% |
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| EPS (TTM) | ($0.284) | $0.700 | 32% |
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| Operating Cash Flow (TTM) (Mil) | ($5) | $165 | 24% |
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| Net Cash Flow (TTM) (Mil) | $9 | $22 | 57% |
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| Long-Term Debt (Q1) (Mil) | $1 | $696 | 15% |
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| Enterprise Value (Q1) (Mil) | $36 | $3,560 | 14% |
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| Valuation | PAPL | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.56 | 1.44 | 10% |
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| P/E | na | 15.1 | na |
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| Dividend Yield | 0.0% | 0.0% | 0% |
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| PEG (5yr hist) | na | 1.0 | na |
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| Ratios | PAPL | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 100.0% | 60.7% | 96% |
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| Net Margin | (114.1%) | 7.0% | 7% |
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| ROA | (7.9%) | 1.1% | 27% |
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| ROE | (12.1%) | 11.5% | 27% |
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| Liabilities to Assets | 31.9% | 75.2% | 23% |
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| F-Score | 4 | 5 | 34% |
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Pineapple Financial Inc. did not pass any screens on 7/31/2026.
