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    P

    Pineapple Financial Inc. (PAPL)

    Official site

    FINANCIAL SERVICES • MORTGAGE FINANCE • AMEX

    $0.84
    -0.02 (-1.89%)

    Market Cap: $21.70M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    25%(1/4)
    Avg Surprise
    -14.66%
    Streak
    1 Q
    PeriodReportedEst.SurpriseB/MYoY
    May 26
    Reported Jul 20
    		$0.99N/AN/ABeat+156.9%
    Feb 26
    Reported Apr 13
    		$-1.21N/AN/ABeat+37.5%
    Nov 25
    Reported Dec 3
    		$-1.58N/AN/ABeat-957.6%
    May 25
    Reported Jul 14
    		$-1.36$-2.00+32.00%Beat+45.6%
    Feb 25
    Reported Apr 14
    		$-1.74$-1.20-45.00%Miss+13.0%
    Nov 24
    Reported Dec 20
    		$-1.93$-1.60-20.63%Miss+22.8%
    Aug 24
    Reported Oct 30
    		$-0.15$0.00N/ABeat-
    May 24
    Reported Jul 15
    		$-2.50$-2.00-25.00%Miss-
    Feb 24
    Reported Apr 15
    		$-2.00N/AN/ABeat-
    Nov 23
    Reported Jan 16
    		$-2.50N/AN/ABeat-

    Key Metrics

    Valuation
    P/E RatioN/AEV/EBITDAN/A
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin-114.10%Operating Margin-139.60%
    ROE-12.10%ROIC-1.53%
    Financial Health
    Debt/Equity0.42xInterest CoverageN/A
    Current Ratio1.00xQuick Ratio1.00x
    Trading Statistics
    Beta5.54Avg Volume150.15K
    52-Week High$4.9952-Week Low$0.54

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$0.88
    SMA 20$0.91
    SMA 50$0.98
    SMA 200$0.96
    EMA 10$0.88
    EMA 20$0.91
    EMA 50$0.95
    EMA 200$1.22

    MACD

    Line: -0.03Signal: -0.03Hist: -0.00

    ADX

    ADX: 15.2+DI: 19.5-DI: 15.3

    Aroon & PSAR

    Aroon Up44.0
    Aroon Down92.0
    PSAR$1.00

    Bollinger Bands

    Upper Band$1.04
    Lower Band$0.79
    %B Position2651%(Upper)
    Band Width0.20

    RSI (14-Day)

    Neutral
    43.2

    Momentum Oscillators

    Stoch %K37.2
    Stoch %D31.8
    Williams %R-76.8
    ROC (10d)-10.2%
    Momentum-0.10
    CCI (20d)-102.3
    MFI (14d)19.0

    Volatility Measures

    ATR (14d)$0.09(10.9%)
    StdDev (20d)0.06
    Hist Vol108.9%(High)

    Volume Flow

    VWAP$0.84
    OBV397.0M
    AD Line-94.4M
    CMF (20d)-0.240

    Volume Metrics

    Avg Vol (20d)162.8K
    Vol Ratio0.6x
    VWMA (20d)$0.93

    Pivot Points

    R3$1.14
    R2$1.07
    R1$0.96
    Pivot Point$0.89
    S1$0.79
    S2$0.72
    S3$0.61

    Advanced Oscillators

    TSI-12.01
    Ultimate Osc47.8
    KST-90.05

    Financial Data

    QuarterMay 2026Feb 2026Nov 2025Aug 2025May 2025Feb 2025Nov 2024Aug 2024May 2024Feb 2024Nov 2023Aug 2023
    Total Revenue$622,502$707,342$721,727$730,537$746,903$743,309$766,074$598,315$736,448$784,869$569,355$513,518
    Cost of Revenue$0$0$0$16.25M$0$0$0$15.51M$0$0$0$502,758
    Gross Profit$622,502$707,342$721,727$730,537$746,903$743,309$766,074$598,315$736,448$784,869$569,355$513,518
    Operating Expenses$-24,311,026$18.52M$7.28M$1.69M$1.44M$1.34M$1.46M$1.99M$1.63M$1.44M$1.45M$1.06M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$552,659$659,855$394,850$735,850$527,835$572,853$417,406$738,206$491,666$592,202$560,151$327,631
    Operating Income$24.93M$-17,816,604$-6,561,346$-958,899$-696,531$-598,948$-693,515$-1,392,931$-896,148$-659,332$-876,326$-547,941
    Interest Income$155,480$214,334$0$0$0$0$0$0$0$0$0$0
    Interest Expense$0$1.50M$0$879,620$0$0$0$267,074$0$0$21,431$5,696
    Income Before Tax$25.25M$-19,495,788$-6,463,916$-1,838,519$-557,736$-595,449$-661,983$-1,660,005$-848,605$-657,456$-897,757$-553,637
    Income Tax Expense$0$0$0$0$0$0$0$0$0$0$0$0
    Net Income$25.25M$-19,495,788$-6,435,085$-1,828,386$-557,736$-595,449$-656,894$-1,698,841$-848,605$-657,456$-897,757$-553,637
    EBITDA$25.38M$-17,965,032$-6,241,116$-1,625,407$-338,390$-350,357$-476,461$-1,200,398$-628,214$-479,699$-760,330$-674,461
    EBIT$25.09M$-18,210,122$-6,463,916$-1,838,519$-557,736$-594,480$-661,983$-1,503,666$-848,605$-657,456$-897,757$-547,941
    * Some calculated fields are derived from available data when not provided by source

    Related GNG Research

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    News

    Pentiv launches mortgage intelligence platform, plans NYSE ticker change

    Pentiv (formerly Pineapple Financial Inc.) has launched a new mortgage intelligence platform designed to unify brokerage data, automate workflows...

    Beinsure•10/15/26•Somewhat-Bullish

    One executive takes both CFO and strategy chief roles at Pineapple Financial (PAPL).

    Pineapple Financial Inc. (PAPL) has appointed Usman Maher as Chief Financial Officer and Chief Strategy Officer, effective October 15, 2026. Syed Sarfraz Habib, the former CFO...

    Stock Titan•10/15/26•Somewhat-Bullish

    Pineapple Financial rebrands as Pentiv, launches US mortgage broker intelligence platform

    Pineapple Financial has rebranded as Pentiv and launched a new intelligence platform for US mortgage brokerages. The platform aims to unify data and workflows across various brokerage functions...

    HousingWire•10/15/26•Bullish

    Usman Maher appointed CFO and Chief Strategy Officer at Pineapple Financial; Syed Sarfraz Habib moves to Chief Accounting Officer

    Pineapple Financial has appointed Usman Maher as Chief Financial Officer and Chief Strategy Officer, effective October 15, 2026. Concurrently...

    TradingView•10/15/26•Somewhat-Bullish

    Pineapple Financial Shifts $1B in Mortgage Data to Injective, Targets $10B Portfolio

    Pineapple Financial, a mortgage lender, has migrated over $1 billion in residential mortgage records to the Injective blockchain...

    BigGo Finance•9/6/26•Bullish

    PAPL Valuation and Fair Value

    P/B
    0.4x
    See GNG's fair value

    PAPL Profitability: Margins, ROIC and FCF

    Gross margin
    100.0%
    Operating margin
    -139.6%
    Net margin
    -114.1%
    ROIC
    -1.5%
    ROE
    -12.1%
    FCF margin
    -189.2%

    PAPL Competitors

    CompanyTicker
    Horizon Space Acquisition I Corp. Ordinary SharesHSPO
    Innventure, Inc.INV
    Atlantic American CorporationAAME
    Greenidge Generation Holdings IncGREE
    Eureka Acquisition CorpEURK
    AlphaTime Acquisition Corp UnitATMCU
    A SPAC III Acquisition Corp. Class A Ordinary SharesASPC
    eHealth IncEHTH

    Sector: Financial Services

    PAPL Bull Case vs Bear Case

    Bear case

    • PAPL has a -114.1% net profit margin.
    • PAPL's quarterly revenue changed -16.7% year over year.

    PAPL Earnings: Beat Rate and Next Report

    Beat rate
    1 of 5 quarters (20.0%)
    Average surprise
    -14.7%

    Frequently Asked Questions About PAPL

    Does PAPL pay dividends?

    Pineapple Financial Inc. (PAPL) does not currently pay a regular dividend.

    What is PAPL's market cap?

    Pineapple Financial Inc. (PAPL) has a market capitalization of $21.70M with a current stock price of $0.84.

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