
Pineapple Financial Inc.
PAPLAMEXFinancial ServicesFinancial - Mortgages
Previous close
$1.15
+$0.08 · +7.48%
PAPL company overview
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AI-powered factor overview
GoAI score
Sell
Trim exposure — unfavorable risk-reward
Valuation
62
Undervalued
Momentum
21
Weakening
Sentiment
53
Mixed
Risk resilience
7
Extreme Risk
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Company profile
Company websitePineapple Financial Inc., headquartered in North York, Canada, is a Canadian enterprise specializing in mortgage technology and brokerage services. The company delivers comprehensive mortgage brokerage solutions alongside advanced technological tools. These offerings are designed for a wide array of Canadian mortgage professionals, including agents, brokers, sub-brokers, and entire brokerages, as well as direct consumers. Leveraging sophisticated data-driven systems and cloud-based platforms, its technology suite includes the MyPineapple platform, which empowers users to efficiently manage and execute their brokerage operations. Beyond its core offerings, Pineapple Financial provides extensive back-office support. This encompasses digital onboarding, streamlined loan packaging and processing, a client portal for document management, loan maintenance, and critical administrative functions such as payroll, lender communications, regulatory reporting, and business management. It also covers cloud services, expense collection, document preparation, compliance oversight, training programs, general administration, and marketing assistance. Additionally, the company delivers pre-underwriting assistance, covering crucial aspects like credit assessment, data verification, fraud detection and compliance checks, appraisal coordination and review, and comprehensive data analytics. Furthermore, Pineapple Financial diversifies its portfolio with an array of insurance products, including life, accident and disability, critical illness, and credit insurance. Founded in 2016, the company was initially known as 2487269 Ontario Ltd before rebranding to Pineapple Financial Inc. in June 2021.
- Industry
- Financial - Mortgages
- Sector
- Financial Services
- Headquarters
- CA
- CEO
- Shubha-Jeet Dasgupta
- Listed since
- Nov 1, 2023
- Employees
- 39
Market position
Day range
Current $1.15
52-week range
Current $1.15
- Open
- $1.16
- Previous close
- $1.07
- Volume
- 90.75K
- 0.21× average
- Average volume
- 442.16K
- Average daily volume
- Market cap
- 29.06M USD
- Beta
- 5.62
- Market reference 1
- 50-day average
- $1.0301
- +11.64% above average
- 200-day average
- $1.3349
- -13.85% below average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 1.89M USD
- P/E (TTM)
- -0.03×
- P/B (TTM)
- 0.03×
- P/S (TTM)
- 3.07×
- EV / EBITDA
- -0.78×
- Earnings yield
- -135.94%
- Free cash flow yield
- -70.65%
- Dividend yield
- 0.00%
Profitability & efficiency
- Gross margin
- -13.82%
- Operating margin
- -288.65%
- Net margin
- -560.80%
- Return on equity
- -401.30%
- Return on assets
- -67.16%
- Return on invested capital
- -92.60%
Financial health
- Debt / equity
- 0.43×
- Current ratio
- 0.77×
- Altman Z-score
- -0.63
- Piotroski F-score
- 3 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 2.99M USD | 2.69M USD | 2.5M USD | 3.6M USD | 16.12M USD |
| Cost of goods sold | 1.65M USD | 2.44M USD | 2.33M USD | 2.36M USD | 13.25M USD |
| Gross profit | 1.34M USD | 252.2K USD | 172.14K USD | 1.24M USD | 2.87M USD |
| Selling, general, and administrative | 2.25M USD | 3.24M USD | 3.13M USD | 3.7M USD | — |
| Operating expenses | 4.29M USD | 4.08M USD | 2.95M USD | 3.96M USD | 3.11M USD |
| Interest expense | 336.12K USD | 93.47K USD | 56.32K USD | 94.2K USD | 26.08K USD |
| Depreciation and amortization | 862.1K USD | 838.84K USD | 441.16K USD | 255.87K USD | 55.55K USD |
| Operating income | −2.95M USD | −3.82M USD | −2.78M USD | −2.72M USD | −233.52K USD |
| Net income | −3.64M USD | −4.1M USD | −2.81M USD | −2.81M USD | −234.68K USD |
Company facts updated Aug 24, 2026.
Earnings
- Latest fiscal-year EPS
- -5.46
- FY2025
- Latest fiscal-year revenue
- 2.99M USD
- FY2025 · +11.08% year over year
Annual EPS trend
Reported history and fiscal-year consensus
Annual revenue trend
Reported history and fiscal-year consensus
PAPL news
Corporate actions
Corporate action history
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Jul 16, 2025 | 1:20 | — | — |
Effective Jul 16, 2025
1:20
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