PAPL

BEARISH

$1.8 Live

Pineapple Financial Inc. · AMEX

Target $5.0 (+177.8%)

$0.2 52W Range $9.53

PAPL Pineapple Financial Inc. - Fundamental Analysis

BEARISH

Console Chart News

PAPL Stock | Fundamental Analysis & Investment Insights

AMEX • Financial Services • Mortgage Finance

Current Price Live

$1.8

Analyst Target

$5.0

+177.8% Upside

52W High

$9.53

52W Low

$0.2

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated May 01, 2026

Market cap

$46.96M

P/E

N/A

ROE

-203.4%

Profit margin

N/A

Debt/Equity

0.72

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

95%

PAPL exhibits critical financial distress, highlighted by a Piotroski F-Score of 1/9, indicating severe fundamental weakness. The company is experiencing significant operational failure with an operating margin of -115.70% and a catastrophic ROE of -203.43%. While the stock has seen a speculative short-term price surge (+181.2% in 1 month), this is decoupled from fundamentals as revenue continues to decline both YoY (-4.80%) and Q/Q (-15.04%). The lack of a Graham Number or Intrinsic Value reflects a lack of profitability and unsustainable valuation metrics.

Key Strengths

Recent short-term price momentum (speculative)

Debt/Equity ratio (0.72) is lower than the sector average (1.32)

Current ratio (1.15) remains slightly above 1.0

Most recent quarterly EPS showed a slight improvement over estimates

Gross margin reported at 100% (likely due to accounting structure of mortgage finance)

Key Risks

Extreme operational losses (Operating Margin -115.70%)

Severe equity erosion (ROE -203.43%)

Negative revenue growth trends (YoY and Q/Q)

High valuation relative to sales (P/S 16.17) for a financial services firm

Liquidity risk indicated by a Quick Ratio below 1.0 (0.89)

AI Fair Value Estimate

Based on comprehensive analysis

$1.04

-42.2% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Weak

Value

Future

Past

Health

Dividend

AI Verdict

High Risk / Speculative

Key drivers: Piotroski F-Score 1/9, Negative Revenue Growth, Extreme Operating Losses, Speculative Price Action

Confidence

90%

Value

10/100

Price/Sales is extremely high for the mortgage finance industry.

Positives

No standout positives identified.

Watchpoints

P/S ratio of 16.17 is excessive
No Graham Number due to lack of earnings

Future

15/100

Growth metrics are trending downward.

Positives

Forward P/E suggests a path to profitability

Watchpoints

Revenue growth is negative YoY and Q/Q
Earnings surprises are predominantly negative

Past

5/100

Long-term historical performance is catastrophic.

Positives

No standout positives identified.

Watchpoints

5-year price change of -96%
Consistent failure to meet earnings estimates

Health

8/100

F-Score of 1/9 is a primary indicator of financial distress.

Positives

Debt/Equity is manageable

Watchpoints

Piotroski F-Score 1/9 indicates critical weakness
Negative ROE and ROA

Dividend

0/100

Dividend strength is 0/100.

Positives

No standout positives identified.

Watchpoints

No dividend paid
No capacity to pay dividends

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$1.8

Analyst Target

$5.0

Upside/Downside

+177.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PAPL and closest competitors.

Updated 2026-04-30

Company	5Y	3Y	1Y	6M	1M	1W
PAPL Pineapple Financial Inc. Primary	-96.0%	-96.0%	-58.1%	-57.6%	+181.2%	+106.9%
MGLD The Marygold Companies, Inc. Peer	-67.5%	-29.9%	+12.3%	+10.1%	-3.4%	-2.6%
PLUT Plutus Financial Group Limited Peer	-25.0%	-25.0%	+20.5%	-18.0%	-3.0%	-1.0%
ATCH AtlasClear Holdings, Inc. Peer	-100.0%	-100.0%	-29.1%	-16.2%	+51.7%	+20.6%
HGBL Heritage Global Inc. Peer	-53.3%	-51.4%	-30.7%	-8.5%	+12.0%	+1.4%

PAP

Pineapple Financial Inc.

Primary

-96.0%

-58.1%

-57.6%

+181.2%

+106.9%

MGL

The Marygold Companies, Inc.

Peer

-67.5%

-29.9%

+12.3%

+10.1%

-3.4%

-2.6%

PLU

Plutus Financial Group Limited

Peer

-25.0%

+20.5%

-18.0%

-3.0%

-1.0%

ATC

AtlasClear Holdings, Inc.

Peer

-100.0%

-29.1%

-16.2%

+51.7%

+20.6%

HGB

Heritage Global Inc.

Peer

-53.3%

-51.4%

-30.7%

-8.5%

+12.0%

+1.4%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

N/A

45.0

N/A

1.73

16.17

16.19

-18.46

$46.96M

Profitability

Profit margins and return metrics

Profit Margin N/A

Operating Margin -115.7%

Gross Margin 100.0%

ROE -203.43%

ROA -6.17%

Growth

Revenue and earnings growth rates

Revenue Growth -4.8%

Earnings Growth N/A

Q/Q Revenue Growth -15.04%

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.72

Moderate

Current Ratio

1.15

Good

Quick Ratio

0.89

Poor

Cash/Share

$0.68

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q1 2026

Revenue

$0.0B

Gross Margin

19.1%

Op. Margin

-450.0%

Net Margin

-502.7%

Total Assets

$0.0B

Liabilities

$0.0B

Equity

$0.0B

Debt/Equity

0.80x

Operating CF

$-0.0B

CapEx

$-0.0B

Free Cash Flow

$-0.0B

FCF Yield

106%

Quarterly Earnings History

EPS performance vs analyst estimates

2025-07-14

$-1.36

+31.8% surprise

2025-04-14

$-1.74

-44.8% surprise

2025-01-21

$-1.93

-20.4% surprise

2024-07-15

$-2.5

-24.8% surprise

Financial Services Sector Comparison

Comparing PAPL against 975 companies in the Financial Services sector (156 bullish, 425 neutral, 394 bearish)

Return on Equity (ROE)

-203.43%

This Stock

0.29%

Sector Avg

-69703.5% (Below Avg)

Debt to Equity

0.72

This Stock

1.32

Sector Avg

-45.1% (Less Debt)

Revenue Growth

-4.8%

This Stock

33.02%

Sector Avg

-114.5% (Slower)

Current Ratio

1.15

This Stock

3.69

Sector Avg

-68.7% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
PAPL Pineapple Financial Inc.	BEARISH	$46.96M	-	-203.4%	-%	$1.8
MGLD The Marygold Companies, Inc.	BEARISH	$47.7M	-	-14.9%	-11.9%	$1.1	Compare
PLUT Plutus Financial Group Limited	BEARISH	$46.07M	-	-23.8%	-196.2%	$3.0	Compare
ATCH AtlasClear Holdings, Inc.	BEARISH	$45.63M	-	-%	12.1%	$0.3	Compare
HGBL Heritage Global Inc.	NEUTRAL	$48.64M	14.0	5.4%	7.0%	$1.4	Compare

PAPL Pineapple Financial Inc.

BEARISH

Mkt Cap

$47M

P/E

ROE

-203.4%

Price

$1.8

Compare with PAPL

Compare with PAPL

Compare with PAPL

HGBL Heritage Global Inc.

Compare with PAPL

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-22

PAPL filed an 8-K on April 22, 2026, likely to report its first-quarter financial results.

10-Q

2026-04-13

PAPL filed its quarterly 10-Q report on April 13, 2026. While specific financial highlights were not provided in the excerpt, the company's risk factors are detailed under Item 1A on page 48.

8-K

2026-03-18

8-K

2026-02-10

PAPL filed an 8-K on February 10, 2026, likely to announce its periodic financial results.

DEF 14A

2026-02-06

PAPL filed a definitive proxy statement on February 6, 2026, providing shareholders with necessary information and voting materials for an upcoming meeting.

10-Q

2026-01-21

PAPL filed its 10-Q on January 21, 2026. The provided excerpt identifies the existence of Risk Factors under Item 1A, although specific financial highlights and detailed risk disclosures were not included in the available text.

8-K

2025-12-29

PAPL filed an 8-K on December 29, 2025, likely to announce year-end financial results or provide a year-end corporate update.

S-1

2025-12-12

PAPL filed an S-1 registration statement on December 12, 2025, indicating its intention to launch an initial public offering (IPO).

8-K

2025-12-09

PAPL filed a current report on December 9, 2025, to disclose a material corporate event.

10-K

2025-12-03

PAPL filed its 10-K annual report on December 3, 2025. The provided excerpts do not contain specific financial highlights or detailed risk factors.

8-K

2025-11-12

8-K

2025-11-04

8-K

2025-10-06

DEF 14A

2025-09-30

8-K

2025-09-10

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

NONE

1 analysts

D. Boral Capital

2025-12-04

Maintains

Buy Buy

Past News Coverage

Recent headlines mentioning PAPL from our newsroom.

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PAPL

PAPL Pineapple Financial Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

SEC Filings

Wall Street Analysts

Past News Coverage

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