📊 PAPL Key Takeaways
Is Pineapple Financial Inc. (PAPL) a Good Investment?
Pineapple Financial exhibits terminal financial distress with negative stockholders equity of -$5.5M, indicating technical insolvency. The company is burning cash at ~$490K annually while generating only $721.7K in revenue against $6.6M in operating losses, creating an unsustainable trajectory with imminent refinancing or restructuring risk.
Pineapple Financial Inc. Key Strengths (PAPL)
- Revenue growth of 11.1% YoY demonstrates modest market demand
- Net loss improving 11.3% YoY shows operational leverage beginning to emerge
- Maintains $1.5M in cash providing minimal near-term runway
PAPL Stock Risks: Pineapple Financial Inc. Investment Risks
- Negative stockholders equity of -$5.5M indicates technical insolvency and unlimited downside risk
- Operating losses of -$6.6M represent 915% of revenue, demonstrating severely broken unit economics
- Current ratio of 0.12x indicates acute liquidity crisis with liabilities exceeding current assets by 8x
- Operating cash flow negative at -$489.7K annually with limited cash reserves to sustain burn
- Long-term debt of $12.0M cannot be serviced from operating cash flows or asset value
- Zero insider Form 4 filings in 90 days suggests no management confidence in turnaround
Key Metrics to Watch
- Path to operating profitability and monthly cash burn rate
- Stockholders equity recovery and debt restructuring plans
- Revenue per employee and contribution margin by segment
- Refinancing capability and debt maturity schedule
- Management capital raises or strategic transaction announcements
Pineapple Financial Inc. (PAPL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
PAPL Profit Margin, ROE & Profitability Analysis
PAPL vs Finance Sector: How Pineapple Financial Inc. Compares
How Pineapple Financial Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Pineapple Financial Inc. Stock Overvalued? PAPL Valuation Analysis 2026
Based on fundamental analysis, Pineapple Financial Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Pineapple Financial Inc. Balance Sheet: PAPL Debt, Cash & Liquidity
PAPL Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Pineapple Financial Inc.'s revenue has declined by 17% over the 5-year period, indicating business contraction. The most recent EPS of $-11.46 indicates the company is currently unprofitable.
PAPL Revenue Growth, EPS Growth & YoY Performance
PAPL Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $707.3K | -$595.4K | $-1.21 |
| Q1 2026 | $721.7K | -$656.9K | $-2.60 |
| Q3 2025 | $736.4K | -$557.7K | $-0.05 |
| Q2 2025 | $743.3K | -$595.4K | $-0.09 |
| Q1 2025 | $569.4K | -$656.9K | $-0.13 |
| Q3 2024 | $603.2K | -$808.2K | $-0.12 |
| Q2 2024 | $493.5K | -$657.5K | $-0.10 |
| Q1 2024 | $569.4K | -$762.1K | $-0.12 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Pineapple Financial Inc. Dividends, Buybacks & Capital Allocation
PAPL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Pineapple Financial Inc. (CIK: 0001938109)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PAPL
What is the AI rating for PAPL?
Pineapple Financial Inc. (PAPL) has an AI grade of D with 98% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PAPL's key strengths?
Claude: Revenue growth of 11.1% YoY demonstrates modest market demand. Net loss improving 11.3% YoY shows operational leverage beginning to emerge.
What are the risks of investing in PAPL?
Claude: Negative stockholders equity of -$5.5M indicates technical insolvency and unlimited downside risk. Operating losses of -$6.6M represent 915% of revenue, demonstrating severely broken unit economics.
What is PAPL's revenue and growth?
Pineapple Financial Inc. reported revenue of $721.7K.
Does PAPL pay dividends?
Pineapple Financial Inc. does not currently pay dividends.
Where can I find PAPL SEC filings?
Official SEC filings for Pineapple Financial Inc. (CIK: 0001938109) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PAPL's EPS?
Pineapple Financial Inc. has a diluted EPS of $-4.79.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PAPL's fundamental grade?
Based on our AI fundamental analysis in June 2026, Pineapple Financial Inc. has a D grade with 98% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is PAPL stock overvalued or undervalued?
Valuation metrics for PAPL: ROE of N/A (sector avg: 12%), net margin of -891.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is PAPL's AI grade for 2026?
Our dual AI analysis gives Pineapple Financial Inc. a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PAPL's free cash flow?
Pineapple Financial Inc.'s operating cash flow is $-489.7K, with capital expenditures of $1.9K. FCF margin is -68.1%.
How does PAPL compare to other Finance stocks?
Vs Finance sector averages: Net margin -891.6% (avg: 25%), ROE N/A (avg: 12%), current ratio 0.12 (avg: 1.2).