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PINEAPPLE FINANCIAL INC (PAPL) Stock Fundamental Analysis

NYSEARCA:PAPL - NYSE Arca - CA72303K2074 - Common Stock - Currency: USD

0.37  +0.01 (+2.78%)

Premarket: 0.3989 +0.03 (+7.81%)

Fundamental Rating

1

We assign a fundamental rating of 1 out of 10 to PAPL. PAPL was compared to 101 industry peers in the Financial Services industry. PAPL has a bad profitability rating. Also its financial health evaluation is rather negative. PAPL is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

PAPL had negative earnings in the past year.
PAPL had a negative operating cash flow in the past year.
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 0 -1M -2M -3M -4M

1.2 Ratios

PAPL has a Return On Assets of -115.04%. This is amonst the worse of the industry: PAPL underperforms 97.03% of its industry peers.
PAPL has a worse Return On Equity (-413.19%) than 93.07% of its industry peers.
Industry RankSector Rank
ROA -115.04%
ROE -413.19%
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
PAPL Yearly ROA, ROE, ROICPAPL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 -100 -200 -300

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 -50 -100 -150

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1

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
PAPL has a better debt/assets ratio than last year.
PAPL Yearly Shares OutstandingPAPL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 5M 10M 15M 20M
PAPL Yearly Total Debt VS Total AssetsPAPL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2M 4M 6M

2.2 Solvency

Based on the Altman-Z score of -5.82, we must say that PAPL is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of PAPL (-5.82) is worse than 79.21% of its industry peers.
A Debt/Equity ratio of 1.07 is on the high side and indicates that PAPL has dependencies on debt financing.
The Debt to Equity ratio of PAPL (1.07) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF N/A
Altman-Z -5.82
ROIC/WACCN/A
WACC11.36%
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 0 2M -2M 4M 6M

2.3 Liquidity

PAPL has a Current Ratio of 0.54. This is a bad value and indicates that PAPL is not financially healthy enough and could expect problems in meeting its short term obligations.
PAPL has a worse Current ratio (0.54) than 63.37% of its industry peers.
PAPL has a Quick Ratio of 0.54. This is a bad value and indicates that PAPL is not financially healthy enough and could expect problems in meeting its short term obligations.
PAPL has a Quick ratio of 0.54. This is in the lower half of the industry: PAPL underperforms 63.37% of its industry peers.
Industry RankSector Rank
Current Ratio 0.54
Quick Ratio 0.54
PAPL Yearly Current Assets VS Current LiabilitesPAPL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2M 4M 6M

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4

3. Growth

3.1 Past

PAPL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -56.89%.
Looking at the last year, PAPL shows a very strong growth in Revenue. The Revenue has grown by 55.01%.
The Revenue has been decreasing by -3.37% on average over the past years.
EPS 1Y (TTM)-56.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%31.88%
Revenue 1Y (TTM)55.01%
Revenue growth 3Y-3.37%
Revenue growth 5YN/A
Sales Q2Q%34.87%

3.2 Future

The Earnings Per Share is expected to grow by 17.26% on average over the next years. This is quite good.
PAPL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.31% yearly.
EPS Next Y5%
EPS Next 2Y17.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.67%
Revenue Next 2Y11.31%
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.
PAPL Yearly Revenue VS EstimatesPAPL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 1M 2M 3M 4M
PAPL Yearly EPS VS EstimatesPAPL Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 -0.1 -0.2 -0.3 -0.4

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for PAPL. In the last year negative earnings were reported.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for PAPL. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
PAPL Price Earnings VS Forward Price EarningsPAPL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

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 0.2 -0.2 -0.4 -0.6

4.3 Compensation for Growth

A more expensive valuation may be justified as PAPL's earnings are expected to grow with 17.26% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y17.26%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for PAPL!.
Industry RankSector Rank
Dividend Yield N/A

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PINEAPPLE FINANCIAL INC

NYSEARCA:PAPL (3/7/2025, 8:04:02 PM)

Premarket: 0.3989 +0.03 (+7.81%)

0.37

+0.01 (+2.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-21 2025-01-21/bmo
Earnings (Next)N/A N/A
Inst Owners1.73%
Inst Owner Change16.82%
Ins Owners39.41%
Ins Owner Change0%
Market Cap3.26M
Analysts82.86
Price Target5.1 (1278.38%)
Short Float %0.69%
Short Ratio0.14
Dividend
Industry RankSector 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)0
Avg EPS beat(2)-119.71%
Min EPS beat(2)-180.11%
Max EPS beat(2)-59.31%
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)1
Avg Revenue beat(2)-13.36%
Min Revenue beat(2)-36.04%
Max Revenue beat(2)9.32%
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)-9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-100%
EPS NY rev (1m)0%
EPS NY rev (3m)-245.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-21.5%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)-41.07%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.94
P/FCF N/A
P/OCF N/A
P/B 2.83
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.67
EYN/A
EPS(NY)-0.25
Fwd EYN/A
FCF(TTM)-0.28
FCFYN/A
OCF(TTM)-0.15
OCFYN/A
SpS0.39
BVpS0.13
TBVpS-0.13
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -115.04%
ROE -413.19%
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-Score2
Asset Turnover0.84
Health
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 127.5%
Cap/Sales 32.73%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.54
Quick Ratio 0.54
Altman-Z -5.82
F-Score2
WACC11.36%
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)-56.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%31.88%
EPS Next Y5%
EPS Next 2Y17.26%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)55.01%
Revenue growth 3Y-3.37%
Revenue growth 5YN/A
Sales Q2Q%34.87%
Revenue Next Year-4.67%
Revenue Next 2Y11.31%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-52.86%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year121.69%
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