Pineapple Financial Inc. (PAPL)Financial Services | Mortgage Finance | North York, Canada | NYSE American
1.00 USD
-0.05
(-4.762%) ⇩
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 1.04 +0.04 (4.000%) ⇧ (Aug. 28, 2026, 7:43 p.m. EDT) |
Hot Take ↕ | Aug. 22, 2026, 4:45 a.m. EDT
The immediate outlook is severely compromised by a relentless downward price trend over the last two weeks, where the stock has eroded nearly 15% from its recent highs, signaling intense selling pressure and a lack of near-term support. This technical weakness is compounded by a catastrophic fundamental reality: the company is reporting negative revenue growth of 16.7%, burning significant cash with operating outflows exceeding $5 million, and posting a return on equity of -12%. The balance sheet is fragile, with debt significantly outweighing equity and a current ratio hovering just below 1.0, creating a precarious liquidity situation. While the market has assigned a lofty $5.00 target price, this appears to be a speculative hope rather than a reflection of current operational viability, especially given the negative earnings and the company's status as a going concern. There is no dividend to provide any cushion, and the statistical models offer no reliable guidance due to their extremely low confidence scores. The combination of deteriorating fundamentals, severe cash burn, and a collapsing stock price makes this a high-risk situation with no clear path to recovery in the foreseeable future. |
| Model | MAE |
|---|---|
| AutoARIMA ✓ | 0.245628 |
| AutoETS | 0.255076 |
| AutoTheta | 0.284938 |
| MSTL | 0.304300 |
Forecast horizon: 45 days | Selected: AutoARIMA
| Forecast Reliability | |
|---|---|
| Score | 39% |
| H-stat | 2.56 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.512 |
| Excess Kurtosis | 0.35 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 42.706 |
| Revenue per Share | 0.249 |
| Market Cap | 25,271,196 |
| Forward P/E | 25.00 |
| Beta | 5.62 |
| Profit Margins | -114.09% |
| Website | https://gopineapple.com |
| Attribute | Value |
|---|---|
| 52 Week Change | -0.71925133 |
| Address1 | 111 Gordon Baker Road |
| Address2 | Unit 200 |
| All Time High | 85.0 |
| All Time Low | 0.2 |
| Ask | 1.06 |
| Ask Size | 100 |
| Average Daily Volume10 Day | 54,870 |
| Average Daily Volume3 Month | 318,579 |
| Average Volume | 318,579 |
| Average Volume10Days | 54,870 |
| Beta | 5.624 |
| Bid | 0.98 |
| Bid Size | 200 |
| Book Value | 2.022 |
| City | North York |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Country | Canada |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 1.0 |
| Current Ratio | 0.998 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 1.1399 |
| Day Low | 0.9801 |
| Debt To Equity | 42.706 |
| Display Name | Pineapple Financial |
| Ebitda | -2,737,942 |
| Ebitda Margins | -0.98496 |
| Enterprise To Ebitda | -15.423 |
| Enterprise To Revenue | 15.191 |
| Enterprise Value | 42,226,252 |
| Eps Forward | 0.04 |
| Eps Trailing Twelve Months | -1.9 |
| Esg Populated | 0 |
| Exchange | ASE |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 1.03632 |
| Fifty Day Average Change | -0.03631997 |
| Fifty Day Average Change Percent | -0.03504706 |
| Fifty Two Week Change Percent | -71.92513 |
| Fifty Two Week High | 9.13 |
| Fifty Two Week High Change | -8.13 |
| Fifty Two Week High Change Percent | -0.890471 |
| Fifty Two Week Low | 0.54 |
| Fifty Two Week Low Change | 0.45999998 |
| Fifty Two Week Low Change Percent | 0.85185176 |
| Fifty Two Week Range | 0.54 - 9.13 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,698,845,400,000 |
| Float Shares | 7,165,395 |
| Forward Eps | 0.04 |
| Forward P E | 25.0 |
| Free Cashflow | -20,338,420 |
| Full Exchange Name | NYSE American |
| Full Time Employees | 39 |
| Fullday Change | -0.05 |
| Fullday Change Percent | -4.7619 |
| Fullday Price | 1.04 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Gross Margins | 1.0 |
| Gross Profits | 2,779,762 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.71647 |
| Held Percent Institutions | 0.0059399996 |
| Implied Shares Outstanding | 25,271,197 |
| Industry | Mortgage Finance |
| Industry Disp | Mortgage Finance |
| Industry Key | mortgage-finance |
| Language | en-US |
| Last Fiscal Year End | 1,756,598,400 |
| Last Split Date | 1,752,624,000 |
| Last Split Factor | 1:20 |
| Long Business 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. |
| Market | us_market |
| Market Cap | 25,271,196 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_710435549 |
| Most Recent Quarter | 1,780,185,600 |
| Net Income To Common | -3,171,322 |
| Next Fiscal Year End | 1,788,134,400 |
| Non Diluted Market Cap | 26,534,756 |
| Number Of Analyst Opinions | 1 |
| Open | 1.04 |
| Operating Cashflow | -5,129,030 |
| Operating Margins | -1.3956599 |
| Payout Ratio | 0.0 |
| Phone | 416 669 2046 |
| Post Market Change | 0.03999996 |
| Post Market Change Percent | 3.9999962 |
| Post Market Price | 1.04 |
| Post Market Time | 1,787,960,582 |
| Previous Close | 1.05 |
| Price Hint | 4 |
| Price To Book | 0.49455982 |
| Price To Sales Trailing12 Months | 9.091137 |
| Profit Margins | -1.14086 |
| Quick Ratio | 0.235 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | -0.05 |
| Regular Market Change Percent | -4.7619 |
| Regular Market Day High | 1.1399 |
| Regular Market Day Low | 0.9801 |
| Regular Market Day Range | 0.9801 - 1.1399 |
| Regular Market Open | 1.04 |
| Regular Market Previous Close | 1.05 |
| Regular Market Price | 1.0 |
| Regular Market Time | 1,787,947,200 |
| Regular Market Volume | 50,866 |
| Return On Assets | -0.043270003 |
| Return On Equity | -0.120900005 |
| Revenue Growth | -0.167 |
| Revenue Per Share | 0.249 |
| Sand P52 Week Change | 0.20504117 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Shares Outstanding | 25,271,197 |
| Shares Percent Shares Out | 0.0056 |
| Shares Short | 140,447 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 151,956 |
| Short Name | Pineapple Financial Inc. |
| Short Percent Of Float | 0.015 |
| Short Ratio | 0.2 |
| Source Interval | 15 |
| State | ON |
| Symbol | PAPL |
| Target High Price | 5.0 |
| Target Low Price | 5.0 |
| Target Mean Price | 5.0 |
| Target Median Price | 5.0 |
| Total Cash | 5,089,707 |
| Total Cash Per Share | 0.201 |
| Total Debt | 22,044,762 |
| Total Revenue | 2,779,762 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -1.9 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 1.288885 |
| Two Hundred Day Average Change | -0.288885 |
| Two Hundred Day Average Change Percent | -0.2241356 |
| Type Disp | Equity |
| Volume | 50,866 |
| Website | https://gopineapple.com |
| Zip | M2H 3R1 |