PINEAPPLE FINANCIAL INC (PAPL) Stock Fundamental Analysis
NYSEARCA:PAPL - CA72303K2074 - Common Stock
3.62 USD
+0.04 (+1.12%)
We assign a fundamental rating of 1 out of 10 to PAPL. PAPL was compared to 100 industry peers in the Financial Services industry. Both the profitability and financial health of PAPL have multiple concerns. PAPL does not seem to be growing, but still is valued expensively.
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.
1.2 Ratios
With a Return On Assets value of -75.14%, PAPL is not doing good in the industry: 96.00% of the companies in the same industry are doing better.
PAPL has a Return On Equity of -419.33%. This is amonst the worse of the industry: PAPL underperforms 91.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -75.14% | ||
| ROE | -419.33% | ||
| 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
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.
The number of shares outstanding for PAPL has been increased compared to 1 year ago.
Compared to 1 year ago, PAPL has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -4.67, we must say that PAPL is in the distress zone and has some risk of bankruptcy.
PAPL has a worse Altman-Z score (-4.67) than 76.00% of its industry peers.
PAPL has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
PAPL has a worse Debt to Equity ratio (1.55) than 62.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -4.67 |
ROIC/WACCN/A
WACC7.05%
2.3 Liquidity
A Current Ratio of 0.58 indicates that PAPL may have some problems paying its short term obligations.
PAPL's Current ratio of 0.58 is on the low side compared to the rest of the industry. PAPL is outperformed by 61.00% of its industry peers.
A Quick Ratio of 0.58 indicates that PAPL may have some problems paying its short term obligations.
PAPL's Quick ratio of 0.58 is on the low side compared to the rest of the industry. PAPL is outperformed by 61.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.58 | ||
| Quick Ratio | 0.58 |
3. Growth
3.1 Past
PAPL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.84%, which is quite impressive.
PAPL shows a decrease in Revenue. In the last year, the revenue decreased by -4.18%.
PAPL shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.37% yearly.
EPS 1Y (TTM)20.84%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-733.33%
Revenue 1Y (TTM)-4.18%
Revenue growth 3Y-3.37%
Revenue growth 5YN/A
Sales Q2Q%1.42%
3.2 Future
PAPL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.45% yearly.
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
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for PAPL. In the last year negative earnings were reported.
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 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
5. Dividend
5.1 Amount
PAPL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSEARCA:PAPL (8/28/2025, 9:50:31 AM)
3.62
+0.04 (+1.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners0.93%
Inst Owner Change-27.99%
Ins Owners26.39%
Ins Owner Change64.19%
Market Cap4.74M
Analysts82.86
Price Target102 (2717.68%)
Short Float %N/A
Short Ratio0.01
Dividend
| Industry Rank | Sector 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)1
Avg EPS beat(2)1.96%
Min EPS beat(2)-47.06%
Max EPS beat(2)50.98%
EPS beat(4)1
Avg EPS beat(4)-58.88%
Min EPS beat(4)-180.11%
Max EPS beat(4)50.98%
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)0
Avg Revenue beat(2)-15.55%
Min Revenue beat(2)-22.64%
Max Revenue beat(2)-8.47%
Revenue beat(4)1
Avg Revenue beat(4)-14.46%
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)1900%
PT rev (3m)1900%
EPS NQ rev (1m)-1566.67%
EPS NQ rev (3m)-1566.67%
EPS NY rev (1m)-1900%
EPS NY rev (3m)-1900%
Revenue NQ rev (1m)0.4%
Revenue NQ rev (3m)0.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 1.59 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 5.63 | ||
| P/tB | N/A | ||
| EV/EBITDA | N/A |
EPS(TTM)-3.13
EYN/A
EPS(NY)-4.28
Fwd EYN/A
FCF(TTM)-1.32
FCFYN/A
OCF(TTM)-0.54
OCFYN/A
SpS2.27
BVpS0.64
TBVpS-1.31
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -75.14% | ||
| ROE | -419.33% | ||
| 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-Score4
Asset Turnover0.63
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 107.92% | ||
| Cap/Sales | 34.55% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.58 | ||
| Quick Ratio | 0.58 | ||
| Altman-Z | -4.67 |
F-Score4
WACC7.05%
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)20.84%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-733.33%
EPS Next Y0%
EPS Next 2Y21.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.18%
Revenue growth 3Y-3.37%
Revenue growth 5YN/A
Sales Q2Q%1.42%
Revenue Next Year-16.9%
Revenue Next 2Y1.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y14.14%
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