PINEAPPLE FINANCIAL INC (PAPL) Fundamental Analysis & Valuation

NYSEARCA:PAPL • CA72303K4054

Current stock price

0.59 USD
-0.02 (-2.93%)
At close:
0.6 USD
+0.01 (+1.69%)
After Hours:

This PAPL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

0

1. PAPL Profitability Analysis

1.1 Basic Checks

  • In the past year PAPL has reported negative net income.
  • In the past year PAPL has reported a negative cash flow from operations.
  • PAPL had negative earnings in each of the past 5 years.
  • PAPL had negative operating cash flow in 4 of the past 5 years.
PAPL Yearly Net Income VS EBIT VS OCF VS FCFPAPL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 2025 0 -1M -2M -3M -4M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -88.57%, PAPL is doing worse than 94.95% of the companies in the same industry.
Industry RankSector Rank
ROA -88.57%
ROE N/A
ROIC N/A
ROA(3y)-76%
ROA(5y)-54.95%
ROE(3y)-287.55%
ROE(5y)-185.33%
ROIC(3y)N/A
ROIC(5y)N/A
PAPL Yearly ROA, ROE, ROICPAPL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 -100 -200 -300 -400

1.3 Margins

  • PAPL does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
PAPL Yearly Profit, Operating, Gross MarginsPAPL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 2025 -50 -100 -150

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. PAPL Health Analysis

2.1 Basic Checks

  • PAPL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PAPL has been increased compared to 1 year ago.
  • Compared to 1 year ago, PAPL has a worse debt to assets ratio.
PAPL Yearly Shares OutstandingPAPL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 200K 400K 600K 800K 1M
PAPL Yearly Total Debt VS Total AssetsPAPL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2025 2M 4M 6M

2.2 Solvency

  • PAPL has an Altman-Z score of -5.94. This is a bad value and indicates that PAPL is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of PAPL (-5.94) is worse than 74.75% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -5.94
ROIC/WACCN/A
WACC8.56%
PAPL Yearly LT Debt VS Equity VS FCFPAPL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 2025 0 2M -2M 4M 6M

2.3 Liquidity

  • A Current Ratio of 0.12 indicates that PAPL may have some problems paying its short term obligations.
  • With a Current ratio value of 0.12, PAPL is not doing good in the industry: 75.76% of the companies in the same industry are doing better.
  • PAPL has a Quick Ratio of 0.12. This is a bad value and indicates that PAPL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.12, PAPL is doing worse than 75.76% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.12
Quick Ratio 0.12
PAPL Yearly Current Assets VS Current LiabilitesPAPL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 2M 4M 6M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. PAPL Growth Analysis

3.1 Past

  • PAPL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 36.11%, which is quite impressive.
  • The Revenue for PAPL has decreased by -14.93% in the past year. This is quite bad
  • PAPL shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.03% yearly.
EPS 1Y (TTM)36.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-160.35%
Revenue 1Y (TTM)-14.93%
Revenue growth 3Y-6.03%
Revenue growth 5YN/A
Sales Q2Q%-5.79%

3.2 Future

  • The Earnings Per Share is expected to grow by 15.42% on average over the next years. This is quite good.
  • Based on estimates for the next years, PAPL will show a very strong growth in Revenue. The Revenue will grow by 58.20% on average per year.
EPS Next Y96.13%
EPS Next 2Y41.6%
EPS Next 3Y26.36%
EPS Next 5Y15.42%
Revenue Next Year41.57%
Revenue Next 2Y57.4%
Revenue Next 3Y61.94%
Revenue Next 5Y58.2%

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
PAPL Yearly Revenue VS EstimatesPAPL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 20M 40M 60M
PAPL Yearly EPS VS EstimatesPAPL Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 0 -2 -4 -6 -8

More info and screens

Find the best growth stocksShow best growing peers

3

4. PAPL Valuation Analysis

4.1 Price/Earnings Ratio

  • PAPL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • Based on the Price/Forward Earnings ratio of 14.46, the valuation of PAPL can be described as correct.
  • The rest of the industry has a similar Price/Forward Earnings ratio as PAPL.
  • PAPL is valuated cheaply when we compare the Price/Forward Earnings ratio to 38.09, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 14.46
PAPL Price Earnings VS Forward Price EarningsPAPL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
PAPL Per share dataPAPL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 -2 -4 -6 -8

4.3 Compensation for Growth

  • PAPL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as PAPL's earnings are expected to grow with 26.36% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y41.6%
EPS Next 3Y26.36%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PAPL Dividend Analysis

5.1 Amount

  • PAPL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PAPL Fundamentals: All Metrics, Ratios and Statistics

PINEAPPLE FINANCIAL INC

NYSEARCA:PAPL (4/21/2026, 8:05:28 PM)

After market: 0.6 +0.01 (+1.69%)

0.59

-0.02 (-2.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)12-11
Earnings (Next)N/A
Inst Owners0.56%
Inst Owner Change-19.41%
Ins Owners5.86%
Ins Owner Change0%
Market Cap15.39M
Revenue(TTM)2.94M
Net Income(TTM)-9.41M
Analysts82.86
Price Target102 (17188.14%)
Short Float %1.84%
Short Ratio0.51
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 14.46
P/S 5.24
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-8.82
EYN/A
EPS(NY)0.04
Fwd EY6.92%
FCF(TTM)-0.52
FCFYN/A
OCF(TTM)-0.03
OCFYN/A
SpS0.11
BVpS-0.21
TBVpS-0.53
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -88.57%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-76%
ROA(5y)-54.95%
ROE(3y)-287.55%
ROE(5y)-185.33%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.28
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 1419.69%
Cap/Sales 434.41%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.12
Quick Ratio 0.12
Altman-Z -5.94
F-Score3
WACC8.56%
ROIC/WACCN/A
Cap/Depr(3y)183.84%
Cap/Depr(5y)230.3%
Cap/Sales(3y)42.54%
Cap/Sales(5y)31.76%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)36.11%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-160.35%
EPS Next Y96.13%
EPS Next 2Y41.6%
EPS Next 3Y26.36%
EPS Next 5Y15.42%
Revenue 1Y (TTM)-14.93%
Revenue growth 3Y-6.03%
Revenue growth 5YN/A
Sales Q2Q%-5.79%
Revenue Next Year41.57%
Revenue Next 2Y57.4%
Revenue Next 3Y61.94%
Revenue Next 5Y58.2%
EBIT growth 1Y-97.31%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year68.64%
EBIT Next 3Y57.52%
EBIT Next 5Y477.27%
FCF growth 1Y-312.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y60.94%
OCF growth 3YN/A
OCF growth 5YN/A

PINEAPPLE FINANCIAL INC / PAPL Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for PINEAPPLE FINANCIAL INC?

ChartMill assigns a fundamental rating of 1 / 10 to PAPL.


Can you provide the valuation status for PINEAPPLE FINANCIAL INC?

ChartMill assigns a valuation rating of 3 / 10 to PINEAPPLE FINANCIAL INC (PAPL). This can be considered as Overvalued.


What is the profitability of PAPL stock?

PINEAPPLE FINANCIAL INC (PAPL) has a profitability rating of 0 / 10.