PAPL
Pineapple Financial Inc.
Price Chart
Latest Quote
$0.99
-0.01 (-1.00%)
Current Price
| Previous Close | $1.00 |
| Open | $1.02 |
| Day High | $1.03 |
| Day Low | $0.99 |
| Volume | 67,812 |
Stock Information
| Shares Outstanding | 26.09M |
| Total Debt | $19.62M |
| Cash Equivalents | $17.74M |
| Revenue | $2.90M |
| Net Income | $-28.32M |
| Sector | Financial Services |
| Industry | Mortgage Finance |
| Market Cap | $25.83M |
| EPS (TTM) | $-5.70 |
| Exchange | ASE |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $27.71M |
| Sales | $2.90M |
| Income | $-28.32M |
| Book/sh | $1.04 |
| Cash/sh | $0.68 |
| Employees | 39 |
Financial Ratios
| Quick Ratio | 0.89 |
| Current Ratio | 1.15 |
| Debt/Eq | 72.39 |
Returns & Margins
| ROA | -6.17% |
| ROE | -203.43% |
| Gross Margin | 100.00% |
| Operating Margin | -115.70% |
Ownership
| Insider Ownership | 69.44% |
| Institutional Ownership | 0.31% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 24.75 |
| P/S | 8.89 |
| P/B | 0.95 |
Analyst Data
| Recommendation | none |
| Target Price | $5.00 |
Technical Indicators
| SMA20 | $1.03 |
| SMA50 | $1.03 |
| SMA200 | $2.28 |
| RSI | 41.19 |
| ATR | 0.0903 |
| Shares Float | 7.98M |
| Short Float | 2.60% |
| Short Ratio | 0.25 |
| Volatility | 5.79 |
| Rel Volume | 0.57 |
Performance History
| Week | -1.00% |
| Month | -8.33% |
| Quarter | +45.59% |
| 6 Months | -58.23% |
| YTD | -19.51% |
| Year | -17.50% |
| 10 Years | -97.80% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $0.99 | 67,800 |
| 2026-06-18 | $1.00 | 76,700 |
| 2026-06-17 | $1.07 | 68,600 |
| 2026-06-16 | $1.03 | 136,100 |
| 2026-06-15 | $1.03 | 93,600 |
| 2026-06-12 | $1.00 | 57,000 |
| 2026-06-11 | $1.03 | 41,100 |
| 2026-06-10 | $1.02 | 81,600 |
| 2026-06-09 | $1.01 | 102,300 |
| 2026-06-08 | $1.04 | 366,800 |
| 2026-06-05 | $0.94 | 111,100 |
| 2026-06-04 | $1.03 | 64,200 |
| 2026-06-03 | $1.03 | 77,700 |
| 2026-06-02 | $1.07 | 64,400 |
| 2026-06-01 | $1.07 | 222,400 |
| 2026-05-29 | $1.07 | 117,400 |
| 2026-05-28 | $1.07 | 121,100 |
| 2026-05-27 | $1.03 | 144,600 |
| 2026-05-26 | $1.06 | 208,500 |
About Pineapple Financial Inc.
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.
đ° Latest News
Pineapple Financial Inc. Q2 2026 Earnings Call Summary
Moby âĸ 2026-04-14T12:30:00Z
Wall Street Set to Open Higher Thursday as Investors Parse GDP, Unemployment Data, Look Ahead to Inflation Report
MT Newswires âĸ 2026-01-22T14:25:55ZInvestors Await Raft of Key Economic Data as US Futures Rise Thursday Pre-Bell
MT Newswires âĸ 2026-01-22T13:13:26ZWall Street Set to Open Higher Wednesday; Dow Rises on Japan Trade Deal
MT Newswires âĸ 2025-07-23T13:16:23ZUS Stock Futures Edge Higher in Wednesday's Premarket Ahead of Housing, Oil Data
MT Newswires âĸ 2025-07-23T12:06:16Z
Period:
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Income Statement (Annual)
| Metric | 2025-08-31 | 2024-08-31 | 2023-08-31 | 2022-08-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $17,471,682 | $17,332,668 | $16,261,963 | $2,404,459 |
| Cost Of Revenue | $17,471,681 | $17,332,668 | $16,261,963 | $2,360,344 |
| Total Revenue | $18,813,480 | $17,584,872 | $16,434,100 | $3,600,851 |
| Operating Revenue | $18,725,945 | $17,264,367 | $16,101,652 | $3,600,851 |
| Expenses | ||||
| Interest Expense | $336,115 | $316,531 | $56,316 | $94,202 |
| Total Expenses | $21,421,662 | $21,316,137 | $19,240,612 | $6,316,708 |
| Rent Expense Supplemental | $212,011 | $278,708 | $173,284 | $213,566 |
| Other Income Expense | $-529,888 | $-54,863 | $53,791 | $-61,206 |
| Other Non Operating Income Expenses | $72,112 | $76,543 | - | - |
| Net Non Operating Interest Income Expense | $-500,395 | $-316,531 | $-56,316 | $-94,202 |
| Total Other Finance Cost | $164,280 | - | - | - |
| Interest Expense Non Operating | $336,115 | $316,531 | $56,316 | $94,202 |
| Operating Expense | $3,949,981 | $3,983,469 | $2,978,649 | $3,956,364 |
| Other Operating Expenses | $-70,555 | $-97,646 | $-591,480 | $223 |
| Selling And Marketing Expense | $669,482 | $860,047 | $844,796 | $795,588 |
| General And Administrative Expense | $2,488,950 | $2,382,225 | $2,284,174 | $2,904,682 |
| Professional Expense And Contract Services Expense | - | - | - | $389,654 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-3,638,465 | $-4,102,659 | $-2,809,037 | $-2,810,061 |
| Net Interest Income | $-500,395 | $-316,531 | $-56,316 | $-94,202 |
| Normalized Income | $-3,036,465 | $-4,047,796 | $-2,862,828 | $-2,810,061 |
| Net Income From Continuing And Discontinued Operation | $-3,638,465 | $-4,102,659 | $-2,809,037 | $-2,810,061 |
| Total Operating Income As Reported | $-2,947,893 | $-3,824,737 | $-2,781,894 | - |
| Net Income Common Stockholders | $-3,638,465 | $-4,102,659 | $-2,809,037 | $-2,810,061 |
| Net Income | $-3,638,465 | $-4,102,659 | $-2,809,037 | $-2,810,061 |
| Net Income Including Noncontrolling Interests | $-3,638,465 | $-4,102,659 | $-2,809,037 | $-2,810,061 |
| Net Income Continuous Operations | $-3,638,465 | $-4,102,659 | $-2,809,037 | $-2,810,061 |
| Pretax Income | $-3,638,465 | $-4,102,659 | $-2,809,037 | $-2,810,061 |
| Special Income Charges | $-3,596 | $-156,339 | $53,791 | $0 |
| Operating Income | $-2,608,182 | $-3,731,265 | $-2,806,512 | $-2,715,857 |
| Depreciation Amortization Depletion Income Statement | $862,104 | $838,843 | $441,159 | $255,871 |
| Depreciation And Amortization In Income Statement | $862,104 | $838,843 | $441,159 | $255,871 |
| Gross Profit | $1,341,799 | $252,204 | $172,137 | $1,240,507 |
| Depreciation Income Statement | - | - | $441,159 | $255,871 |
| Per Share | ||||
| Diluted EPS | $-5.31 | $-22.92 | $-7.82 | $-7.83 |
| Basic EPS | $-5.31 | $-22.92 | $-7.82 | $-7.83 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $-1,838,246 | $-2,892,422 | $-2,365,353 | $-2,459,988 |
| Total Unusual Items | $-602,000 | $-54,863 | $53,791 | $0 |
| Total Unusual Items Excluding Goodwill | $-602,000 | $-54,863 | $53,791 | $0 |
| Reconciled Depreciation | $862,103 | $838,843 | $441,159 | $211,756 |
| EBITDA (Bullshit earnings) | $-2,440,246 | $-2,947,285 | $-2,311,562 | $-2,459,988 |
| EBIT | $-3,302,350 | $-3,786,128 | $-2,752,721 | $-2,715,859 |
| Diluted Average Shares | $665,820 | $332,910 | $359,098 | $359,098 |
| Basic Average Shares | $665,820 | $332,910 | $359,098 | $359,098 |
| Diluted NI Availto Com Stockholders | $-3,638,465 | $-4,102,659 | $-2,809,037 | $-2,810,061 |
| Gain On Sale Of Ppe | $-3,596 | $0 | - | - |
| Gain On Sale Of Security | $-598,404 | $101,476 | - | - |
| Selling General And Administration | $3,158,432 | $3,242,272 | $3,128,970 | $3,700,270 |
| Other Gand A | $1,949,940 | $2,012,904 | $2,077,799 | $1,913,032 |
| Insurance And Claims | $91,993 | $90,613 | - | $54,867 |
| Rent And Landing Fees | $212,011 | $278,708 | $173,284 | $213,566 |
| Salaries And Wages | $235,006 | $0 | $33,091 | $723,217 |
| Other Special Charges | - | $156,339 | $-80,934 | $61,206 |
| Write Off | - | $0 | $27,143 | $0 |
| Securities Amortization | - | $223,059 | $0 | - |
| Tax Provision | - | - | $0 | $0 |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-08-31 | 2024-08-31 | 2023-08-31 | 2022-08-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $-1,589,094 | $-862,459 | $66,979 | $3,924,000 |
| Total Assets | $5,417,221 | $4,096,592 | $4,628,938 | $6,427,086 |
| Total Non Current Assets | $3,097,626 | $3,203,101 | $2,931,435 | $1,942,355 |
| Investmentin Financial Assets | $9,733 | $10,042 | $10,013 | $38,211 |
| Financial Assets Designatedas Fair Value Through Profitor Loss Total | $9,733 | $10,042 | $10,013 | $38,211 |
| Goodwill And Other Intangible Assets | $2,495,773 | $2,211,775 | $1,718,954 | $702,388 |
| Other Intangible Assets | $2,495,773 | $2,211,775 | $1,718,954 | $702,388 |
| Current Assets | $2,319,595 | $893,491 | $1,697,503 | $4,484,731 |
| Prepaid Assets | $110,001 | $157,911 | $218,150 | $483,695 |
| Receivables | $92,223 | $155,224 | $758,988 | $104,197 |
| Receivables Adjustments Allowances | $-48,524 | $0 | - | - |
| Other Receivables | $2,411 | $94,276 | - | - |
| Accounts Receivable | $138,336 | $60,948 | $758,988 | $33,119 |
| Cash Cash Equivalents And Short Term Investments | $2,117,371 | $580,356 | $720,365 | $3,896,839 |
| Cash And Cash Equivalents | $2,117,371 | $580,356 | $720,365 | $3,896,839 |
| Cash Financial | $2,117,371 | $580,356 | $720,365 | $3,896,839 |
| Taxes Receivable | - | - | $0 | $71,078 |
| Other Current Assets | - | - | - | $1 |
| Cash Cash Equivalents And Federal Funds Sold | - | - | - | $3,896,839 |
| Debt | ||||
| Total Debt | $1,329,079 | $977,107 | $1,538,059 | $1,020,585 |
| Long Term Debt And Capital Lease Obligation | $561,100 | $815,599 | $969,589 | $1,018,561 |
| Current Debt And Capital Lease Obligation | $767,979 | $161,508 | $568,470 | $2,024 |
| Current Debt | $629,120 | - | $430,098 | - |
| Other Current Borrowings | $629,120 | - | $430,098 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $4,510,542 | $2,747,276 | $2,843,005 | $1,800,698 |
| Total Non Current Liabilities Net Minority Interest | $1,508,851 | $1,348,370 | $1,669,216 | $1,018,561 |
| Derivative Product Liabilities | $632,753 | $41,520 | $0 | - |
| Non Current Deferred Liabilities | $314,998 | $491,251 | $699,627 | - |
| Current Liabilities | $3,001,691 | $1,398,906 | $1,173,789 | $782,137 |
| Current Deferred Liabilities | $108,552 | $111,921 | $0 | - |
| Payables And Accrued Expenses | $2,125,160 | $1,125,477 | $605,319 | $780,113 |
| Other Non Current Liabilities | - | - | - | $1 |
| Other Current Liabilities | - | - | - | $1 |
| Equity | ||||
| Common Stock Equity | $906,679 | $1,349,316 | $1,785,933 | $4,626,388 |
| Total Equity Gross Minority Interest | $906,679 | $1,349,316 | $1,785,933 | $4,626,388 |
| Stockholders Equity | $906,679 | $1,349,316 | $1,785,933 | $4,626,388 |
| Other Equity Interest | $88,136 | - | - | - |
| Gains Losses Not Affecting Retained Earnings | $-509,300 | $-408,510 | $-417,727 | $-353,218 |
| Other Equity Adjustments | $-509,300 | $-408,510 | $-417,727 | $-353,218 |
| Retained Earnings | $-13,396,439 | $-9,757,974 | $-5,655,315 | $-2,846,278 |
| Other | ||||
| Ordinary Shares Number | $1,340,941 | $421,267 | $359,098 | $359,098 |
| Share Issued | $1,340,941 | $421,267 | $359,098 | $359,098 |
| Tangible Book Value | $-1,589,094 | $-862,459 | $66,979 | $3,924,000 |
| Invested Capital | $1,535,799 | $1,349,316 | $2,216,031 | $4,626,388 |
| Working Capital | $-682,096 | $-505,415 | $523,714 | $3,702,594 |
| Capital Lease Obligations | $699,959 | $977,107 | $1,107,961 | $1,020,585 |
| Total Capitalization | $906,679 | $1,349,316 | $1,785,933 | $4,626,388 |
| Additional Paid In Capital | $3,102,814 | $2,955,944 | $2,955,944 | $2,922,853 |
| Capital Stock | $11,621,468 | $8,559,856 | $4,903,031 | $4,903,031 |
| Common Stock | $11,621,468 | $8,559,856 | $4,903,031 | $4,903,031 |
| Non Current Deferred Revenue | $314,998 | $491,251 | $699,627 | - |
| Long Term Capital Lease Obligation | $561,100 | $815,599 | $969,589 | $1,018,561 |
| Current Deferred Revenue | $108,552 | $111,921 | $0 | - |
| Current Capital Lease Obligation | $138,859 | $161,508 | $138,372 | $2,024 |
| Investments And Advances | $9,733 | $10,042 | $10,013 | $38,211 |
| Net PPE | $592,120 | $981,284 | $1,202,468 | $1,201,756 |
| Accumulated Depreciation | $-712,659 | $-509,276 | $-324,536 | $-179,766 |
| Gross PPE | $1,304,779 | $1,490,560 | $1,527,004 | $1,381,522 |
| Other Properties | $338,234 | $355,576 | $349,283 | $296,999 |
| Buildings And Improvements | $966,545 | $1,134,984 | $1,177,721 | $1,084,523 |
| Properties | $0 | $0 | $0 | $0 |
| Leases | - | - | $1,177,721 | $1,084,523 |
| Machinery Furniture Equipment | - | - | $349,283 | $296,999 |
| Other Investments | - | - | - | $38,211 |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-08-31 | 2024-08-31 | 2023-08-31 | 2022-08-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-1,891,007 | $-2,825,651 | $-3,478,403 | $-2,887,841 |
| Operating Activities | ||||
| Operating Cash Flow | $-946,820 | $-1,708,261 | $-2,116,105 | $-1,834,909 |
| Cash Flow From Continuing Operating Activities | $-946,820 | $-1,708,261 | $-2,116,105 | $-1,834,909 |
| Operating Gains Losses | $608,537 | $258,944 | - | - |
| Investing Activities | ||||
| Capital Expenditure | $-944,187 | $-1,117,390 | $-1,362,298 | $-1,052,932 |
| Investing Cash Flow | $-944,187 | $-1,117,390 | $-1,362,298 | $-1,052,932 |
| Cash Flow From Continuing Investing Activities | $-944,187 | $-1,117,390 | $-1,362,298 | $-1,052,932 |
| Financing Activities | ||||
| Issuance Of Capital Stock | $1,847,477 | $3,239,428 | $0 | $0 |
| Financing Cash Flow | $3,451,087 | $2,912,627 | $349,008 | $-61,470 |
| Cash Flow From Continuing Financing Activities | $3,451,087 | $2,912,627 | $349,008 | $-61,470 |
| Net Other Financing Charges | $-487,313 | - | $430,098 | - |
| Net Common Stock Issuance | $1,847,477 | $3,239,428 | $0 | $0 |
| Common Stock Issuance | $1,847,477 | $3,239,428 | $0 | $0 |
| Other | ||||
| Repayment Of Debt | $-206,185 | $-714,170 | $-81,090 | $-61,470 |
| Issuance Of Debt | $629,120 | $387,369 | $430,098 | - |
| Interest Paid Supplemental Data | $218,512 | $35,281 | $0 | $0 |
| Income Tax Paid Supplemental Data | $0 | $0 | $0 | $0 |
| End Cash Position | $2,117,371 | $580,356 | $720,365 | $3,896,839 |
| Beginning Cash Position | $580,356 | $720,365 | $3,896,839 | $7,011,535 |
| Effect Of Exchange Rate Changes | $-23,065 | $-226,985 | $-47,079 | $-165,386 |
| Changes In Cash | $1,560,080 | $86,976 | $-3,129,395 | $-2,949,310 |
| Proceeds From Stock Option Exercised | $1,667,988 | $0 | - | - |
| Net Issuance Payments Of Debt | $422,935 | $-326,801 | $349,008 | $-61,470 |
| Net Short Term Debt Issuance | $629,120 | $-130,098 | $430,098 | - |
| Short Term Debt Payments | $0 | $-517,467 | $0 | - |
| Short Term Debt Issuance | $629,120 | $387,369 | $430,098 | - |
| Net Long Term Debt Issuance | $-206,185 | $-196,703 | $-81,090 | $-61,470 |
| Long Term Debt Payments | $-206,185 | $-196,703 | $-81,090 | $-61,470 |
| Net Intangibles Purchase And Sale | $-944,187 | $-1,112,399 | $-1,300,225 | $-803,610 |
| Purchase Of Intangibles | $-944,187 | $-1,112,399 | $-1,300,225 | $-803,610 |
| Net PPE Purchase And Sale | $0 | $-4,991 | $-62,073 | $-249,322 |
| Purchase Of PPE | $0 | $-4,991 | $-62,073 | $-249,322 |
| Change In Working Capital | $882,448 | $1,079,946 | $135,223 | $8,162 |
| Change In Other Working Capital | $-179,622 | $-96,455 | - | - |
| Change In Payables And Accrued Expense | $999,683 | $519,943 | $-174,795 | $382,294 |
| Change In Prepaid Assets | $47,910 | $60,239 | $265,545 | $-336,360 |
| Change In Receivables | $14,477 | $596,219 | $44,473 | $-37,772 |
| Changes In Account Receivables | $14,477 | $596,219 | $-26,242 | $-32,284 |
| Other Non Cash Items | $55,027 | $209,120 | $56,316 | $32,017 |
| Stock Based Compensation | $235,006 | $0 | $33,091 | $723,217 |
| Asset Impairment Charge | $48,524 | $7,545 | $27,143 | $0 |
| Depreciation Amortization Depletion | $862,103 | $838,843 | $441,159 | $211,756 |
| Depreciation And Amortization | $862,103 | $838,843 | $441,159 | $211,756 |
| Amortization Cash Flow | $592,942 | $616,532 | $265,150 | $79,489 |
| Amortization Of Intangibles | $592,942 | $616,532 | $265,150 | $79,489 |
| Depreciation | $269,161 | $222,311 | $176,009 | $132,267 |
| Gain Loss On Investment Securities | $608,537 | $63,769 | - | - |
| Net Foreign Currency Exchange Gain Loss | $0 | $38,836 | $0 | - |
| Net Income From Continuing Operations | $-3,638,465 | $-4,102,659 | $-2,809,037 | $-2,810,061 |
| Long Term Debt Issuance | - | $300,000 | $0 | - |
| Net Investment Purchase And Sale | - | - | $0 | $0 |
| Purchase Of Investment | - | - | $0 | $0 |
| Change In Payable | - | - | - | $382,294 |
| Change In Account Payable | - | - | - | $382,294 |
| Change In Tax Payable | - | - | - | $0 |
| Change In Income Tax Payable | - | - | - | $0 |
Fetched: 2026-06-22