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PINEAPPLE FINANCIAL INC (PAPL) Stock Fundamental Analysis

NYSEARCA:PAPL - American Stock Exchange - CA72303K2074 - Common Stock - Currency: USD

0.5513  +0.02 (+4.41%)

After market: 0.5364 -0.01 (-2.7%)

Fundamental Rating

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Overall PAPL gets a fundamental rating of 1 out of 10. We evaluated PAPL against 101 industry peers in the Financial Services industry. Both the profitability and financial health of PAPL have multiple concerns. PAPL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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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.
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

With a Return On Assets value of -121.46%, PAPL is not doing good in the industry: 97.03% of the companies in the same industry are doing better.
PAPL's Return On Equity of -368.77% is on the low side compared to the rest of the industry. PAPL is outperformed by 92.08% of its industry peers.
Industry RankSector Rank
ROA -121.46%
ROE -368.77%
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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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 -5.41, we must say that PAPL is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -5.41, PAPL is doing worse than 77.23% of the companies in the same industry.
PAPL has a Debt/Equity ratio of 0.60. This is a neutral value indicating PAPL is somewhat dependend on debt financing.
The Debt to Equity ratio of PAPL (0.60) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF N/A
Altman-Z -5.41
ROIC/WACCN/A
WACC6.65%
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

A Current Ratio of 0.64 indicates that PAPL may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.64, PAPL is doing worse than 61.39% of the companies in the same industry.
A Quick Ratio of 0.64 indicates that PAPL may have some problems paying its short term obligations.
PAPL has a Quick ratio of 0.64. This is in the lower half of the industry: PAPL underperforms 61.39% of its industry peers.
Industry RankSector Rank
Current Ratio 0.64
Quick Ratio 0.64
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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3. Growth

3.1 Past

The earnings per share for PAPL have decreased strongly by -72.62% in the last year.
The Revenue has grown by 27.57% in the past year. This is a very strong growth!
The Revenue has been decreasing by -3.37% on average over the past years.
EPS 1Y (TTM)-72.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-194.54%
Revenue 1Y (TTM)27.57%
Revenue growth 3Y-3.37%
Revenue growth 5YN/A
Sales Q2Q%27.16%

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 49.16% on average per year.
PAPL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.17% yearly.
EPS Next Y72.5%
EPS Next 2Y49.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.93%
Revenue Next 2Y11.17%
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 -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.
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
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 49.16% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y49.16%
EPS Next 3YN/A

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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 (1/23/2025, 9:23:30 PM)

After market: 0.5364 -0.01 (-2.7%)

0.5513

+0.02 (+4.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-15 2025-01-15
Earnings (Next)N/A N/A
Inst Owners0.82%
Inst Owner Change0%
Ins Owners41.51%
Ins Owner Change3.23%
Market Cap4.86M
Analysts82.86
Price Target5.61 (917.59%)
Short Float %0.5%
Short Ratio0.28
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)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
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)0
Avg Revenue beat(2)-27.91%
Min Revenue beat(2)-36.04%
Max Revenue beat(2)-19.78%
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-41.23%
Revenue NY rev (3m)-41.23%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.49
P/FCF N/A
P/OCF N/A
P/B 3.6
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.71
EYN/A
EPS(NY)-0.11
Fwd EYN/A
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.19
OCFYN/A
SpS0.37
BVpS0.15
TBVpS-0.1
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -121.46%
ROE -368.77%
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-Score3
Asset Turnover0.8
Health
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 133.21%
Cap/Sales 34.31%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.64
Quick Ratio 0.64
Altman-Z -5.41
F-Score3
WACC6.65%
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)-72.62%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-194.54%
EPS Next Y72.5%
EPS Next 2Y49.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)27.57%
Revenue growth 3Y-3.37%
Revenue growth 5YN/A
Sales Q2Q%27.16%
Revenue Next Year-4.93%
Revenue Next 2Y11.17%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-67.67%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year121.69%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.77%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y19.27%
OCF growth 3YN/A
OCF growth 5YN/A