PINEAPPLE FINANCIAL INC (PAPL)

CA72303K2074 - Common Stock

0.8099  +0.01 (+1.25%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to PAPL. PAPL was compared to 103 industry peers in the Financial Services industry. PAPL may be in some trouble as it scores bad on both profitability and health. PAPL does not seem to be growing, but still is valued expensively.



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1. Profitability

1.1 Basic Checks

In the past year PAPL has reported negative net income.
PAPL had a negative operating cash flow in the past year.

1.2 Ratios

PAPL has a worse Return On Assets (-89.33%) than 97.09% of its industry peers.
PAPL has a Return On Equity of -188.02%. This is amonst the worse of the industry: PAPL underperforms 91.26% of its industry peers.
Industry RankSector 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 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

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3

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 less shares outstanding
PAPL has a worse debt/assets ratio than last year.

2.2 Solvency

Based on the Altman-Z score of -3.20, we must say that PAPL is in the distress zone and has some risk of bankruptcy.
PAPL has a worse Altman-Z score (-3.20) than 77.67% 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.
Looking at the Debt to Equity ratio, with a value of 0.45, PAPL is in the better half of the industry, outperforming 62.14% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF N/A
Altman-Z -3.2
ROIC/WACCN/A
WACC7.29%

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.
PAPL has a Current ratio of 1.53. This is in the better half of the industry: PAPL outperforms 69.90% of its industry peers.
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.
PAPL has a better Quick ratio (1.53) than 70.87% of its industry peers.
Industry RankSector Rank
Current Ratio 1.53
Quick Ratio 1.53

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3

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

Based on estimates for the next years, PAPL will show a very strong growth in Earnings Per Share. The EPS will grow by 30.74% on average per year.
PAPL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 47.05% yearly.
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

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1

4. Valuation

4.1 Price/Earnings Ratio

PAPL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Also next year PAPL is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A

4.3 Compensation for Growth

PAPL's earnings are expected to grow with 30.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y30.89%
EPS Next 3Y30.74%

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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 (9/16/2024, 2:47:38 PM)

0.8099

+0.01 (+1.25%)

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 Cap5.89M
Analysts
Price Target
Dividend
Industry RankSector 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 RankSector 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 RankSector 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 RankSector 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