Pineapple Financial Inc (PAPL)

Pineapple Financial Inc. is a Canada-based financial services company listed on the NYSE under the ticker PAPL. Through its subsidiaries, the company provides mortgage brokerage services and related technology solutions. Its brokerage activities include mortgage consultation, product guidance based on offerings from financial institutions, rate and option information for clients, and support in choosing suitable mortgage solutions. Pineapple also provides back-office and administrative services, including digital onboarding, loan packaging and processing, document collection, client portals, payroll, lender communications, regulatory reporting, compliance support, training, and marketing. In addition, the company offers pre-underwriting support such as credit review, data validation, fraud analysis, appraisal coordination, and analytics, along with insurance products including whole life, permanent life, critical illness, and credit insurance. Pineapple operates the MyPineapple platform for brokerage-related activities and serves mortgage agents, brokers, brokerages, sub-brokers, and consumers. The company was incorporated in 2015 and is headquartered in North York, Canada.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Free Cash Flow / Net Income
NYSE-PAPL
$0.75
-13.8% Downside
Fair
$5
474.7% Upside
Bargain
Weak
0.0%
December 3, 2026
0.4x
7.9x
22.044 M
38.941 M
48.9%
28.4%
4.6
161.8%
Valuation • Fair Value

Pineapple Financial Inc (NYSE-PAPL) Fair Value by Valuation Model

Review the available estimates for Pineapple Financial Inc (NYSE-PAPL), including Comps Fair Value.

Primary Valuation Read

Fair Value

$0.75

Estimated downside of 13.8% versus the current market price.

Fair Value Confidence

Very low

Confidence level for the primary fair value estimate.

Comps Fair Value

$0.75

Comparable-company valuation reference.

Analyst Price Target

$5

Analysts imply upside of 474.7%.

How to read these valuation models

Use the 4 available valuation references for Pineapple Financial Inc (NYSE-PAPL) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Pineapple Financial Inc (NYSE-PAPL)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

2.78 M

Current operating scale indicator.

Revenue Forecast

4 M

Forward revenue estimate.

EBITDA

-2.738 M

Current operating profitability reference.

EBITDA Forecast

-1.1 B

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Pineapple Financial Inc (NYSE-PAPL) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Pineapple Financial Inc (NYSE-PAPL)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Weak

Financial pressure deserves closer review.

Piotroski Score

3

Weak quality score that deserves closer review.

Beneish M-Score

-1.56

Higher caution zone on this screen.

Altman Z-Score

4.6

Relatively strong balance-sheet zone.

FCF / Net Income

161.8%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Pineapple Financial Inc (NYSE-PAPL). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Pineapple Financial Inc (NYSE-PAPL)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

December 3, 2026

Days to Earnings

76

Dividend Yield

0.0%

No current dividend yield is indicated.

How to read events and dividends

This section helps investors track time-sensitive items for Pineapple Financial Inc (NYSE-PAPL), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Pineapple Financial Inc (NYSE-PAPL) Stock Forecast & Technical Outlook

Review Pineapple Financial Inc (NYSE-PAPL) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Pineapple Financial Inc (NYSE-PAPL) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Pineapple Financial Inc (NYSE-PAPL) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for Pineapple Financial Inc (NYSE-PAPL) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Sell

The weekly technical read for Pineapple Financial Inc (NYSE-PAPL) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Sell

The monthly technical read for Pineapple Financial Inc (NYSE-PAPL) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Pineapple Financial Inc (NYSE-PAPL)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, Pineapple Financial Inc (NYSE-PAPL) has a Strong Buy consensus, with 1 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 0
Sell 0
FAQ Fast Investor Answers

Pineapple Financial Inc (NYSE-PAPL) Stock FAQ

Data-supported answers about Pineapple Financial Inc (NYSE-PAPL), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$0.75
Estimated downside 13.8%
Valuation Rating
Overvalued
Estimated downside of 13.8%
Analyst Target
$5
Implied upside 474.7%
Financial Health
Weak
Current financial-health read

The current fair value estimate for Pineapple Financial Inc (NYSE-PAPL) is $0.75. This implies an estimated downside of 13.8% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 13.8% versus the current market price.

The available analyst price target for Pineapple Financial Inc (NYSE-PAPL) is $5. The analyst target implies estimated upside of 474.7%.

The current financial health read for Pineapple Financial Inc (NYSE-PAPL) is Weak. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Pineapple Financial Inc (NYSE-PAPL) is December 3, 2026.

The latest available data indicates no current dividend yield for Pineapple Financial Inc (NYSE-PAPL).

The current market capitalization listed for Pineapple Financial Inc is 22.044 M.

The current enterprise value listed for Pineapple Financial Inc is 38.941 M. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for Pineapple Financial Inc is NYSE-PAPL, and the stock is listed on NYSE.

Pineapple Financial Inc (NYSE-PAPL) is listed on NYSE.

The current debt-to-total-capital ratio listed for Pineapple Financial Inc is 48.9%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Pineapple Financial Inc is 28.4%. Free float helps investors understand how much of the share base is available for public trading.