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PINEAPPLE FINANCIAL INC (PAPL) Stock Fundamental Analysis

NYSEARCA:PAPL - NYSE Arca - CA72303K2074 - Common Stock - Currency: USD

0.0855  -0.03 (-28.75%)

Fundamental Rating

1

Taking everything into account, PAPL scores 1 out of 10 in our fundamental rating. PAPL was compared to 100 industry peers in the Financial Services industry. PAPL may be in some trouble as it scores bad on both profitability and health. PAPL has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

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 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 0 -1M -2M -3M -4M

1.2 Ratios

PAPL's Return On Assets of -96.47% is on the low side compared to the rest of the industry. PAPL is outperformed by 97.03% of its industry peers.
With a Return On Equity value of -516.99%, PAPL is not doing good in the industry: 93.07% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -96.47%
ROE -516.99%
ROIC N/A
ROA(3y)-68.18%
ROA(5y)N/A
ROE(3y)-174.01%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
PAPL Yearly ROA, ROE, ROICPAPL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 -100 -200 -300

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 -50 -100 -150

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2. Health

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
The debt/assets ratio for PAPL has been reduced compared to a year ago.
PAPL Yearly Shares OutstandingPAPL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 5M 10M 15M 20M
PAPL Yearly Total Debt VS Total AssetsPAPL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2M 4M 6M

2.2 Solvency

PAPL has an Altman-Z score of -6.13. 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 (-6.13) is worse than 76.24% of its industry peers.
A Debt/Equity ratio of 1.73 is on the high side and indicates that PAPL has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.73, PAPL is doing worse than 62.38% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.73
Debt/FCF N/A
Altman-Z -6.13
ROIC/WACCN/A
WACC6.18%
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 0 2M -2M 4M 6M

2.3 Liquidity

PAPL has a Current Ratio of 0.41. This is a bad value and indicates that PAPL is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of PAPL (0.41) is worse than 65.35% of its industry peers.
PAPL has a Quick Ratio of 0.41. 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 Quick ratio value of 0.41, PAPL is not doing good in the industry: 65.35% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.41
Quick Ratio 0.41
PAPL Yearly Current Assets VS Current LiabilitesPAPL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2M 4M 6M

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3

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 4.18% over the past year.
The Revenue has decreased by -0.23% in the past year.
Measured over the past years, PAPL shows a decrease in Revenue. The Revenue has been decreasing by -3.37% on average per year.
EPS 1Y (TTM)4.18%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%69.04%
Revenue 1Y (TTM)-0.23%
Revenue growth 3Y-3.37%
Revenue growth 5YN/A
Sales Q2Q%-39.81%

3.2 Future

Based on estimates for the next years, PAPL will show a very strong growth in Earnings Per Share. The EPS will grow by 21.45% on average per year.
PAPL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.93% yearly.
EPS Next Y0%
EPS Next 2Y21.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-16.9%
Revenue Next 2Y1.93%
Revenue Next 3YN/A
Revenue Next 5YN/A

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 1M 2M 3M
PAPL Yearly EPS VS EstimatesPAPL Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 -0.1 -0.2 -0.3 -0.4

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1

4. Valuation

4.1 Price/Earnings Ratio

PAPL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for PAPL. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
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 -0.2 -0.4

4.3 Compensation for Growth

PAPL's earnings are expected to grow with 21.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y21.45%
EPS Next 3YN/A

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5. Dividend

5.1 Amount

PAPL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PINEAPPLE FINANCIAL INC

NYSEARCA:PAPL (5/12/2025, 8:04:02 PM)

0.0855

-0.03 (-28.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-14 2025-04-14/amc
Earnings (Next)N/A N/A
Inst Owners1.73%
Inst Owner Change0%
Ins Owners39.41%
Ins Owner Change63.24%
Market Cap1.68M
Analysts82.86
Price Target5.1 (5864.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)0
Avg EPS beat(2)-53.19%
Min EPS beat(2)-59.31%
Max EPS beat(2)-47.06%
EPS beat(4)0
Avg EPS beat(4)-76.03%
Min EPS beat(4)-180.11%
Max EPS beat(4)-17.65%
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)1
Avg Revenue beat(2)-6.66%
Min Revenue beat(2)-22.64%
Max Revenue beat(2)9.32%
Revenue beat(4)1
Avg Revenue beat(4)-17.28%
Min Revenue beat(4)-36.04%
Max Revenue beat(4)9.32%
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)0%
EPS NQ rev (3m)-42.86%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-21.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-12.83%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.57
P/FCF N/A
P/OCF N/A
P/B 2.28
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.54
EYN/A
EPS(NY)-0.21
Fwd EYN/A
FCF(TTM)-0.11
FCFYN/A
OCF(TTM)-0.05
OCFYN/A
SpS0.15
BVpS0.04
TBVpS-0.08
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -96.47%
ROE -516.99%
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)-68.18%
ROA(5y)N/A
ROE(3y)-174.01%
ROE(5y)N/A
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
ROICexcg growth 3YN/A
ROICexcg 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-Score2
Asset Turnover0.75
Health
Industry RankSector Rank
Debt/Equity 1.73
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 114.79%
Cap/Sales 36.92%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.41
Quick Ratio 0.41
Altman-Z -6.13
F-Score2
WACC6.18%
ROIC/WACCN/A
Cap/Depr(3y)314%
Cap/Depr(5y)N/A
Cap/Sales(3y)41.72%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.18%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%69.04%
EPS Next Y0%
EPS Next 2Y21.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.23%
Revenue growth 3Y-3.37%
Revenue growth 5YN/A
Sales Q2Q%-39.81%
Revenue Next Year-16.9%
Revenue Next 2Y1.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y6.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year32.22%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y19.27%
OCF growth 3YN/A
OCF growth 5YN/A