PINEAPPLE FINANCIAL INC (PAPL) Stock Fundamental Analysis

NYSEARCA:PAPL • CA72303K4054

0.6572 USD
-0.05 (-6.83%)
At close: Feb 12, 2026
0.6642 USD
+0.01 (+1.07%)
After Hours: 2/12/2026, 8:09:19 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

1

Overall PAPL gets a fundamental rating of 1 out of 10. We evaluated PAPL against 96 industry peers in the Financial Services industry. PAPL may be in some trouble as it scores bad on both profitability and health. PAPL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

0

1. Profitability

1.1 Basic Checks

  • PAPL had negative earnings in the past year.
  • 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

  • PAPL has a Return On Assets of -88.57%. This is amonst the worse of the industry: PAPL underperforms 95.83% of its industry peers.
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. 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.
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

  • Based on the Altman-Z score of -6.49, we must say that PAPL is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of PAPL (-6.49) is worse than 72.92% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -6.49
ROIC/WACCN/A
WACC13.81%
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.
  • PAPL has a worse Current ratio (0.12) than 77.08% of its industry peers.
  • A Quick Ratio of 0.12 indicates that PAPL may have some problems paying its short term obligations.
  • The Quick ratio of PAPL (0.12) is worse than 77.08% of its industry peers.
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

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

4

3. Growth

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.
  • Looking at the last year, PAPL shows a very negative growth in Revenue. The Revenue has decreased by -14.93% in the last year.
  • The Revenue has been decreasing by -6.03% on average over the past years.
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

  • Based on estimates for the next years, PAPL will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.42% on average per year.
  • 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

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for PAPL. In the last year negative earnings were reported.
  • A Price/Forward Earnings ratio of 16.11 indicates a correct valuation of PAPL.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PAPL is on the same level as its industry peers.
  • PAPL is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 16.11
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 -2 -4 -6 -8 -10

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.
  • 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. Dividend

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

PINEAPPLE FINANCIAL INC

NYSEARCA:PAPL (2/12/2026, 8:09:19 PM)

After market: 0.6642 +0.01 (+1.07%)

0.6572

-0.05 (-6.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)12-11
Earnings (Next)N/A
Inst Owners10.23%
Inst Owner Change-19.41%
Ins Owners16.28%
Ins Owner Change0%
Market Cap887.22K
Revenue(TTM)2.94M
Net Income(TTM)-9.41M
Analysts82.86
Price Target102 (15420.39%)
Short Float %5.59%
Short Ratio0.03
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)92.62%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)13.24%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 16.11
P/S 0.3
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 EY6.21%
FCF(TTM)-10.03
FCFYN/A
OCF(TTM)-0.57
OCFYN/A
SpS2.18
BVpS-4.07
TBVpS-10.2
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 -6.49
F-Score3
WACC13.81%
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 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 2 / 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.