Pineapple Financial Inc. PAPL
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.
Quality score trend · recomputed for each fiscal year
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.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1152 companies
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
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · distress zone
| Component | Value |
|---|---|
| Working capital / assets | -0.243 |
| Retained earnings / assets | -2.473 |
| EBIT / assets | -0.544 |
| Equity / liabilities | 0.201 |
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PAPL | Pineapple Financial Inc. | 2/9 | -13.1 | — | — |
| GRAN | Grande Group Ltd/HK | 3/9 | 6.35 | — | — |
| FGNX | FG Nexus Inc. | — | — | — | -92.5% |
| ASST | Strive, Inc. | 3/9 | -1.28 | — | — |
| SUIG | SUI Group Holdings Ltd. | 1/9 | -4.56 | — | — |
| NAKA | Nakamoto Inc. | 2/9 | 0.49 | — | — |
| MEGL | Magic Empire Global Ltd | 3/9 | — | — | — |
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.