Pineapple Financial Inc. (PAPL)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USDTTM unavailable| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 4 | 16 | 4 | 3 | 3 | 3 | - | 4 |
| Operating profit | $m | -3 | - | ||||||
| Net profit | $m | 0 | -0 | -3 | -3 | -4 | -4 | - | - |
| EPS reported | $ | -5.46 | - | ||||||
| Operating cashflow per share | $ | -1.42 | - | ||||||
| Capex per share | $ | 1.42 | - | ||||||
| FCF per share | $ | -2.84 | - | ||||||
| Free cash flow | $m | -2 | - | ||||||
| Net debt | $m | -1 | - | ||||||
| Book value equity | $m | 1 | - | ||||||
| Book value per share | $ | 1.36 | - | ||||||
| Number of shares | m | 0.67 | - | ||||||
| DPS (TTM paid) | $ | 0.00 | - |
Financial summary
Financials in USDTTM unavailable| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | - | ||||||
| P/B LTM | x | 2.95 | - | ||||||
| P/S LTM | x | 0.90 | - | ||||||
| P/FCF LTM | x | -1.42 | - | ||||||
| EV/EBITDA LTM | x | -0.78 | - | ||||||
| EV/Sales LTM | x | 0.63 | - | ||||||
| Earnings Yield LTM | % | -1.36% | - | ||||||
| FCF Yield | % | -70.65% | - | ||||||
| Quality | |||||||||
| ROE | % | -401.30% | - | ||||||
| ROIC | % | -92.60% | - | ||||||
| Operating margin | % | -98.70% | - | ||||||
| Gross margin | % | +44.92% | - | ||||||
| FCF/Sales | % | -63.31% | - | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | +11.08% | - | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | - | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | - | ||||||
| FCF/Debt | x | -1.42 | - | ||||||
| Net Debt/EBITDA | x | 0.33 | - | ||||||
| EBIT/Net interest | x | -8.77 | - | ||||||
| Net debt/market cap | % | +23.50% | - | ||||||
| Net debt/Equity | x | -1.64 | - | ||||||
| Gross debt/equity | x | 1.47 | - | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Pineapple Financial Inc., headquartered in North York, Canada, is a Canadian enterprise specializing in mortgage technology and brokerage services. The company delivers comprehensive mortgage brokerage solutions alongside advanced technological tools. These offerings are designed for a wide array of Canadian mortgage professionals, including agents, brokers, sub-brokers, and entire brokerages, as well as direct consumers. Leveraging sophisticated data-driven systems and cloud-based platforms, its technology suite includes the MyPineapple platform, which empowers users to efficiently manage and execute their brokerage operations. Beyond its core offerings, Pineapple Financial provides extensive back-office support. This encompasses digital onboarding, streamlined loan packaging and processing, a client portal for document management, loan maintenance, and critical administrative functions such as payroll, lender communications, regulatory reporting, and business management. It also covers cloud services, expense collection, document preparation, compliance oversight, training programs, general administration, and marketing assistance. Additionally, the company delivers pre-underwriting assistance, covering crucial aspects like credit assessment, data verification, fraud detection and compliance checks, appraisal coordination and review, and comprehensive data analytics. Furthermore, Pineapple Financial diversifies its portfolio with an array of insurance products, including life, accident and disability, critical illness, and credit insurance. Founded in 2016, the company was initially known as 2487269 Ontario Ltd before rebranding to Pineapple Financial Inc. in June 2021.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Pineapple Financial Inc. (PAPL)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Pineapple Financial Inc., headquartered in North York, Canada, is a Canadian enterprise specializing in mortgage technology and brokerage services. The company delivers comprehensive mortgage brokerage solutions alongside advanced technological tools. These offerings are designed for a wide array of Canadian mortgage professionals, including agents, brokers, sub-brokers, and entire brokerages, as well as direct consumers. Leveraging sophisticated data-driven systems and cloud-based platforms, its technology suite includes the MyPineapple platform, which empowers users to efficiently manage and execute their brokerage operations. Beyond its core offerings, Pineapple Financial provides extensive back-office support. This encompasses digital onboarding, streamlined loan packaging and processing, a client portal for document management, loan maintenance, and critical administrative functions such as payroll, lender communications, regulatory reporting, and business management. It also covers cloud services, expense collection, document preparation, compliance oversight, training programs, general administration, and marketing assistance. Additionally, the company delivers pre-underwriting assistance, covering crucial aspects like credit assessment, data verification, fraud detection and compliance checks, appraisal coordination and review, and comprehensive data analytics. Furthermore, Pineapple Financial diversifies its portfolio with an array of insurance products, including life, accident and disability, critical illness, and credit insurance. Founded in 2016, the company was initially known as 2487269 Ontario Ltd before rebranding to Pineapple Financial Inc. in June 2021.
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