PINEAPPLE FINANCIAL INC (PAPL) Fundamental Analysis & Valuation

NYSEARCA:PAPL • CA72303K4054

Current stock price

0.65 USD
+0.01 (+1.4%)
At close:
0.6215 USD
-0.03 (-4.38%)
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.
  • PAPL had a negative operating cash flow in the past year.
  • 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 94.00% 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

  • The Profit Margin and Operating Margin and Gross Margin are not available for PAPL so they could not be analyzed.
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.
  • Compared to 1 year ago, PAPL has more shares outstanding
  • PAPL has a worse debt/assets ratio than last year.
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 -5.89. This is a bad value and indicates that PAPL is not financially healthy and even has some risk of bankruptcy.
  • PAPL has a Altman-Z score of -5.89. This is in the lower half of the industry: PAPL underperforms 73.00% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -5.89
ROIC/WACCN/A
WACC8.38%
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

  • PAPL has a Current 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.
  • With a Current ratio value of 0.12, PAPL is not doing good in the industry: 76.00% 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 76.00% 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

  • The Earnings Per Share has grown by an impressive 36.11% over the past year.
  • 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.
  • PAPL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 58.20% yearly.
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

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

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3

4. PAPL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for PAPL. In the last year negative earnings were reported.
  • With a Price/Forward Earnings ratio of 15.93, PAPL is valued correctly.
  • PAPL's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of PAPL to the average of the S&P500 Index (22.84), we can say PAPL is valued slightly cheaper.
Industry RankSector Rank
PE N/A
Fwd PE 15.93
PAPL Price Earnings VS Forward Price EarningsPAPL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 5 10 15 20 25

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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PAPL's earnings are expected to grow with 26.36% in the coming years. This may justify a more expensive valuation.
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 (4/2/2026, 8:04:00 PM)

After market: 0.6215 -0.03 (-4.38%)

0.65

+0.01 (+1.4%)

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 Cap16.96M
Revenue(TTM)2.94M
Net Income(TTM)-9.41M
Analysts82.86
Price Target102 (15592.31%)
Short Float %7.35%
Short Ratio0.4
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 15.93
P/S 5.77
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 EY6.28%
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 NumberN/A
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 -5.89
F-Score3
WACC8.38%
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.