Stocktoria

Pineapple Financial Inc. PAPL

NYSE · stock · Finance Services · website · IPO 2023-10-27 · LEI

Pineapple Financial Inc. (PAPL) earns a Piotroski F-score of 2/9 (weak financial health), with an Altman Z″ in the distress zone. It does not currently pay a dividend. FY2025 revenue was $3.0M at a -121.8% net margin.

Chart by TradingView
14/100
Stocktoria Quality Score · grade D
2/9
Piotroski F — financial health
-13.1
Altman Z″ — distress risk · distress
—
Dividend yield · no dividend

Quality score trend · recomputed for each fiscal year

Piotroski F /9
2 3 2 202320242025
Altman Z″
-6.62 -14.33 -13.10 202320242025

Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.

$1.00 as of 2026-09-01 · -82.2% 1y
$0.64$5.6352-wk
Market cap USD$26M
Net margin 5y avg-116.2%
Return on equity 5y avg-230.9%
Beta5.79
Employees39

Analyst price target

$5.00 +400% vs last
· 1 analysts
target range $5.00 – $5.00

Wall Street analyst consensus — a sentiment gauge, not our scoring.

Revenue trend · last 4y · down

How it ranks in Finance, Insurance & Real Estate · percentile among 1152 companies

Piotroski Fstronger than 14%
Net marginstronger than 11%
Return on equitystronger than 1%

Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.

Piotroski F breakdown · 2/9 tests passed

Altman Z″ components · distress zone

ComponentValue
Working capital / assets-0.243
Retained earnings / assets-2.473
EBIT / assets-0.544
Equity / liabilities0.201

Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →

TickerCompanyPiotroski FAltman Z″P / ERevenue growth
PAPLPineapple Financial Inc.2/9-13.1——
GRANGrande Group Ltd/HK3/96.35——
FGNXFG Nexus Inc.———-92.5%
ASSTStrive, Inc.3/9-1.28——
SUIGSUI Group Holdings Ltd.1/9-4.56——
NAKANakamoto Inc.2/90.49——
MEGLMagic Empire Global Ltd3/9———

All Finance, Insurance & Real Estate companies →

About Pineapple Financial Inc.

Pineapple Financial Inc., together with its subsidiaries, provides mortgage brokerage services and technology solutions in Canada. It offers mortgage brokering services, including mortgage consultation, advise on various mortgage products offered by financial institutions, client access to rate information and mortgage options from lenders, and assistance in selecting mortgage solution. The company also provides back-office support services, such as digital and automated onboarding and set up, loan packaging and processing, digital document collection and client portals, loan maintenance activities, payroll, lender communication, reporting requirements for regulators and business management, cloud services, expense collections, document preparation, compliance, training, administration, and marketing. In addition, it offers pre-underwriting support services comprising credit review, data validation, fraud analysis and compliance, appraisal ordering and review, and data analytics; and insurance products, which include whole life, permanent life, critical illness, and credit insurance. Further, the company operates MyPineapple, a technology platform that allows users to conduct their brokerage services. It serves mortgage agents, brokers, sub-brokers, and brokerages and consumers. The company was formerly known as 2487269 Ontario Ltd and changed its name to Pineapple Financial Inc. in June 2021. Pineapple Financial Inc. was incorporated in 2015 and is headquartered in North York, Canada.

FAQ

Is PAPL financially healthy?

Pineapple Financial Inc.'s Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the distress zone.

Does PAPL pay a dividend?

No, Pineapple Financial Inc. does not currently pay a dividend.

How profitable is PAPL?

In FY2025, Pineapple Financial Inc. had a net margin of -121.8% and a return on equity of -401.3%.

What is the analyst price target for PAPL?

The average Wall-Street price target for Pineapple Financial Inc. is $5.00, about 400.0% above the recent price, from 1 analysts.

Is PAPL a good stock to buy?

Stocktoria doesn't give buy or sell advice, but here is the data on Pineapple Financial Inc.: a Piotroski F-score of 2/9, an Altman Z″ in the distress zone. Weigh these quality and valuation signals against your own goals.

Computed from company filings · US · as of 2025-08-31. Facts plus Stocktoria's own computed scores — not investment advice.