1.06 USD
-0.16 (-13.11%)
1.06 USD
0 (0%)
Taking everything into account, PAPL scores 1 out of 10 in our fundamental rating. PAPL was compared to 98 industry peers in the Financial Services industry. PAPL has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, PAPL is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- PAPL had negative earnings in the past year.
- PAPL had a negative operating cash flow in the past year.
- In the past 5 years PAPL always reported negative net income.
- In the past 5 years PAPL reported 4 times negative operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of -67.09%, PAPL is doing worse than 93.88% of the companies in the same industry.
- PAPL has a Return On Equity of -400.85%. This is amonst the worse of the industry: PAPL underperforms 90.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -67.09% | ||
| ROE | -400.85% | ||
| 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
1.3 Margins
- The Profit Margin and Operating Margin and Gross Margin are not available for PAPL so they could not be analyzed.
| Industry Rank | Sector 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
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 is higher compared to a year ago.
2.2 Solvency
- PAPL has an Altman-Z score of -4.61. This is a bad value and indicates that PAPL is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of -4.61, PAPL is doing worse than 72.45% of the companies in the same industry.
- PAPL has a Debt/Equity ratio of 1.31. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 1.31, PAPL is not doing good in the industry: 60.20% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -4.61 |
ROIC/WACCN/A
WACC12.18%
2.3 Liquidity
- PAPL has a Current Ratio of 0.77. 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 Current ratio, with a value of 0.77, PAPL is in line with its industry, outperforming 42.86% of the companies in the same industry.
- PAPL has a Quick Ratio of 0.77. This is a bad value and indicates that PAPL is not financially healthy enough and could expect problems in meeting its short term obligations.
- PAPL's Quick ratio of 0.77 is in line compared to the rest of the industry. PAPL outperforms 42.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.77 | ||
| Quick Ratio | 0.77 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 59.93% over the past year.
- PAPL shows a decrease in Revenue. In the last year, the revenue decreased by -8.39%.
- PAPL shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.03% yearly.
EPS 1Y (TTM)59.93%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%64.89%
Revenue 1Y (TTM)-8.39%
Revenue growth 3Y-6.03%
Revenue growth 5YN/A
Sales Q2Q%1.36%
3.2 Future
- PAPL is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.42% yearly.
- The Revenue is expected to grow by 58.20% on average over the next years. This is a very strong growth
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.
4. Valuation
4.1 Price/Earnings Ratio
- PAPL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- Also next year PAPL is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- 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%
5. Dividend
5.1 Amount
- No dividends for PAPL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
1.06
-0.16 (-13.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)12-11 2025-12-11
Earnings (Next)N/A N/A
Inst Owners10.23%
Inst Owner Change-19.41%
Ins Owners16.28%
Ins Owner Change0.68%
Market Cap1.43M
Revenue(TTM)2.98M
Net Income(TTM)-3.63M
Analysts82.86
Price Target102 (9522.64%)
Short Float %16%
Short Ratio1.94
Dividend
| Industry Rank | Sector 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)1
Avg Revenue beat(2)16.23%
Min Revenue beat(2)-8.47%
Max Revenue beat(2)40.94%
Revenue beat(4)2
Avg Revenue beat(4)4.79%
Min Revenue beat(4)-22.64%
Max Revenue beat(4)40.94%
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)92.62%
EPS NY rev (3m)92.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)13.24%
Revenue NY rev (3m)13.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 0.48 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.58 | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)-5.87
EYN/A
EPS(NY)-0.32
Fwd EYN/A
FCF(TTM)-1.4
FCFYN/A
OCF(TTM)-0.7
OCFYN/A
SpS2.21
BVpS0.67
TBVpS-1.18
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -67.09% | ||
| ROE | -400.85% | ||
| 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-Score5
Asset Turnover0.55
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.31 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 109.52% | ||
| Cap/Sales | 31.65% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.77 | ||
| Quick Ratio | 0.77 | ||
| Altman-Z | -4.61 |
F-Score5
WACC12.18%
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)59.93%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%64.89%
EPS Next Y96.13%
EPS Next 2Y41.6%
EPS Next 3Y26.36%
EPS Next 5Y15.42%
Revenue 1Y (TTM)-8.39%
Revenue growth 3Y-6.03%
Revenue growth 5YN/A
Sales Q2Q%1.36%
Revenue Next Year41.57%
Revenue Next 2Y57.4%
Revenue Next 3Y61.94%
Revenue Next 5Y58.2%
EBIT growth 1Y37.68%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year68.64%
EBIT Next 3Y57.52%
EBIT Next 5Y477.27%
FCF growth 1Y33.08%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y44.58%
OCF growth 3YN/A
OCF growth 5YN/A
PINEAPPLE FINANCIAL INC / PAPL FAQ
Can you provide the ChartMill fundamental rating for PINEAPPLE FINANCIAL INC?
ChartMill assigns a fundamental rating of 1 / 10 to PAPL.
What is the valuation status for PAPL stock?
ChartMill assigns a valuation rating of 1 / 10 to PINEAPPLE FINANCIAL INC (PAPL). This can be considered as Overvalued.
Can you provide the profitability details for PINEAPPLE FINANCIAL INC?
PINEAPPLE FINANCIAL INC (PAPL) has a profitability rating of 0 / 10.
What is the earnings growth outlook for PINEAPPLE FINANCIAL INC?
The Earnings per Share (EPS) of PINEAPPLE FINANCIAL INC (PAPL) is expected to grow by 96.13% in the next year.