PINEAPPLE FINANCIAL INC (PAPL)
CA72303K2074 - Common Stock
PAPL gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 100 industry peers in the Financial Services industry. PAPL has a bad profitability rating. Also its financial health evaluation is rather negative. PAPL does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
PAPL had negative earnings in the past year.
In the past year PAPL has reported a negative cash flow from operations.
1.2 Ratios
PAPL has a worse Return On Assets (-89.33%) than 97.00% of its industry peers.
PAPL has a worse Return On Equity (-188.02%) than 93.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -89.33% | ||
| ROE | -188.02% | ||
| ROIC | N/A |
ROA(3y)-35.81%
ROA(5y)N/A
ROE(3y)-73.77%
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.
PAPL has less shares outstanding than it did 1 year ago.
PAPL has a worse debt/assets ratio than last year.
2.2 Solvency
PAPL has an Altman-Z score of -3.85. This is a bad value and indicates that PAPL is not financially healthy and even has some risk of bankruptcy.
PAPL has a Altman-Z score of -3.85. This is in the lower half of the industry: PAPL underperforms 77.00% of its industry peers.
PAPL has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PAPL (0.45) is better than 61.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -3.85 |
ROIC/WACCN/A
WACC6.83%
2.3 Liquidity
PAPL has a Current Ratio of 1.53. This is a normal value and indicates that PAPL is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Current ratio value of 1.53, PAPL is doing good in the industry, outperforming 67.00% of the companies in the same industry.
PAPL has a Quick Ratio of 1.53. This is a normal value and indicates that PAPL is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.53, PAPL is in the better half of the industry, outperforming 69.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.53 | ||
| Quick Ratio | 1.53 |
3. Growth
3.1 Past
PAPL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -25.19%.
PAPL shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -44.46%.
EPS 1Y (TTM)-25.19%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-4.99%
Revenue 1Y (TTM)-44.46%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.08%
3.2 Future
The Earnings Per Share is expected to grow by 30.74% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 47.05% on average over the next years. This is a very strong growth
EPS Next Y-4.32%
EPS Next 2Y30.89%
EPS Next 3Y30.74%
EPS Next 5YN/A
Revenue Next Year38.59%
Revenue Next 2Y49.73%
Revenue Next 3Y47.05%
Revenue Next 5YN/A
3.3 Evolution
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
A more expensive valuation may be justified as PAPL's earnings are expected to grow with 30.74% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30.89%
EPS Next 3Y30.74%
5. Dividend
5.1 Amount
PAPL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PINEAPPLE FINANCIAL INC
NYSEARCA:PAPL (11/22/2024, 8:04:02 PM)
After market: 0.43 0 (-0.26%)0.4311
-0.03 (-6.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap3.80M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -89.33% | ||
| ROE | -188.02% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.72
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.53 | ||
| Quick Ratio | 1.53 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-25.19%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y-4.32%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-44.46%
Revenue growth 3YN/A
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y