| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| PAPLPineapple Financial Inc. | 1.64M | 1.22 | -0.22 | 6% | -19.34% | -400.85% | 0.15 |
| Aug 2020 | Aug 2021 | Aug 2022 | Aug 2023 | Aug 2024 | Aug 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | 0 | -26.08K | -94.2K | -56.32K | -93.47K | 0 |
| NII Growth % | - | - | -2.61% | 0.4% | -0.66% | 1% |
| Net Interest Margin % | - | - | - | - | - | - |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 0 | 26.08K | 94.2K | 56.32K | 93.47K | 336.12K |
| Loan Loss Provision | 1.54M | 1.22M | 2.27M | 2.27M | 2.34M | 16.35M |
| Non-Interest Income | 2.69M | 2.98M | 3.6M | 2.5M | 2.69M | 18.81M |
| Non-Interest Income % | - | - | - | - | - | - |
| Total Revenue | 2.69M | 2.98M | 3.6M | 2.5M | 2.69M | 18.81M |
| Revenue Growth % | - | 0.11% | 0.21% | -0.31% | 0.07% | 6% |
| Non-Interest Expense | 1.36M | 1.97M | 3.96M | 2.95M | 4.08M | 2.25M |
| Efficiency Ratio | - | - | - | - | - | - |
| Operating Income | 170.73K | -235.72K | -2.72M | -2.78M | -3.82M | -2.95M |
| Operating Margin % | - | - | - | - | - | - |
| Operating Income Growth % | - | -2.38% | -10.52% | -0.02% | -0.37% | 0.23% |
| Pretax Income | 159.6K | -261.8K | -2.81M | -2.81M | -4.1M | -3.64M |
| Pretax Margin % | - | - | - | - | - | - |
| Income Tax | 17.79K | -27.12K | 0 | 0 | 0 | 0 |
| Effective Tax Rate % | - | - | - | - | - | - |
| Net Income | 141.81K | -234.68K | -2.81M | -2.81M | -4.1M | -3.64M |
| Net Margin % | - | - | - | - | - | - |
| Net Income Growth % | - | -2.65% | -10.97% | 0% | -0.46% | 0.11% |
| Net Income (Continuing) | 141.81K | -234.68K | -2.81M | -2.81M | -4.1M | -3.64M |
| EPS (Diluted) | 0.02 | -0.03 | -0.39 | -0.39 | -0.57 | -5.46 |
| EPS Growth % | - | -2.74% | -10.93% | 0% | -0.46% | -8.58% |
| EPS (Basic) | 0.02 | -0.03 | -0.39 | -0.39 | -0.57 | -5.46 |
| Diluted Shares Outstanding | 7.56M | 7.18M | 7.18M | 7.18M | 7.15M | 665.82K |
| Aug 2020 | Aug 2021 | Aug 2022 | Aug 2023 | Aug 2024 | Aug 2025 | |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 288.25K | 1000K | 1000K | 720.37K | 580.36K | 1000K |
| Cash & Due from Banks | 288.25K | 7.01M | 3.9M | 720.37K | 580.36K | 2.12M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 0 | 39.71K | 38.21K | 10.01K | 10.04K | 0 |
| Investments Growth % | - | - | -0.04% | -0.74% | 0% | -1% |
| Long-Term Investments | 0 | 39.71K | 38.21K | 10.01K | 10.04K | 0 |
| Accounts Receivables | 0 | 835 | 33.12K | 758.99K | 155.22K | 0 |
| Goodwill & Intangibles | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 702.39K | 1.72M | 2.21M | 2.5M |
| PP&E (Net) | 12.24K | 316.01K | 1.2M | 1.2M | 981.28K | 592.12K |
| Other Assets | -306.68K | 0 | 0 | 0 | 0 | 9.73K |
| Total Current Assets | 388.48K | 7.23M | 4.48M | 1.7M | 893.49K | 2.32M |
| Total Non-Current Assets | 15.94K | 355.71K | 1.94M | 2.93M | 3.2M | 3.1M |
| Total Assets | 310.38K | 7.58M | 6.43M | 4.63M | 4.1M | 5.42M |
| Asset Growth % | - | 23.42% | -0.15% | -0.28% | -0.12% | 0.32% |
| Return on Assets (ROA) | 0.46% | -0.06% | -0.4% | -0.51% | -0.94% | -0.76% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 10.45K | 263.24K | 1.02M | 1.54M | 977.11K | 138.86K |
| Net Debt | -277.8K | -6.75M | -2.88M | 817.69K | 396.75K | -1.98M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 10.45K | 0 | 0 | 430.1K | 161.51K | 138.86K |
| Other Liabilities | -153.61K | 0 | 0 | 0 | 41.52K | 1.51M |
| Total Current Liabilities | 200.15K | 449.75K | 782.14K | 1.17M | 1.4M | 3M |
| Total Non-Current Liabilities | -144.54K | 212.81K | 1.02M | 1.67M | 1.35M | 1.51M |
| Total Liabilities | 153.61K | 662.56K | 1.8M | 2.84M | 2.75M | 4.51M |
| Total Equity | -121.03K | 6.92M | 4.63M | 1.79M | 1.35M | 906.68K |
| Equity Growth % | - | 58.17% | -0.33% | -0.61% | -0.24% | -0.33% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - |
| Return on Equity (ROE) | - | -0.07% | -0.49% | -0.88% | -2.62% | -3.23% |
| Book Value per Share | -0.02 | 0.96 | 0.64 | 0.25 | 0.19 | 1.36 |
| Tangible BV per Share | - | - | - | - | - | - |
| Common Stock | 60 | 4.9M | 4.9M | 4.9M | 8.56M | 11.62M |
| Additional Paid-in Capital | 0 | 2.2M | 2.92M | 2.96M | 2.96M | 0 |
| Retained Earnings | 152.32K | -36.22K | -2.85M | -5.66M | -9.76M | -13.4M |
| Accumulated OCI | 4.39K | -148K | -353.22K | -417.73K | -408.51K | -509.3K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 152.32K | 0 | 0 | 0 | 0 | 0 |
| Aug 2020 | Aug 2021 | Aug 2022 | Aug 2023 | Aug 2024 | Aug 2025 | |
|---|---|---|---|---|---|---|
| Cash from Operations | 159.93K | 668.55K | -1.83M | -2.12M | -1.71M | -946.82K |
| Operating CF Growth % | - | 3.18% | -3.74% | -0.15% | 0.19% | 0.45% |
| Net Income | 141.81K | -234.68K | -2.81M | -2.81M | -4.1M | -3.64M |
| Depreciation & Amortization | 24.44K | 55.55K | 211.76K | 441.16K | 838.84K | 675.05K |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 57.87K | 267.83K | 32.02K | 83.46K | 468.06K | 899.14K |
| Working Capital Changes | -7.53K | 11.93K | 8.16K | 135.22K | 1.09M | 882.45K |
| Cash from Investing | 0 | -101.35K | -1.05M | -1.36M | -1.12M | -944.19K |
| Purchase of Investments | 0 | -39.71K | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | 0 | 0 | -803.61K | -1.3M | -1.11M | 0 |
| Cash from Financing | -24.89K | 6.27M | -61.47K | 349.01K | 2.91M | 3.45M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | -487.31K |
| Stock Issued | 4 | 7.33M | 0 | 0 | 3.24M | 3.52M |
| Net Stock Activity | - | - | - | - | - | - |
| Debt Issuance (Net) | 0 | -51.38K | -61.47K | -81.09K | -326.8K | 629.12K |
| Other Financing | -24.89K | -1M | 0 | 430.1K | 0 | -206.19K |
| Net Change in Cash | 135.04K | 6.64M | -3.11M | -3.18M | -140.01K | 1.54M |
| Exchange Rate Effect | 7.37K | -204.87K | -165.39K | -47.08K | -226.99K | -23.07K |
| Cash at Beginning | 153.21K | 375.58K | 7.01M | 3.9M | 720.37K | 580.36K |
| Cash at End | 288.25K | 7.01M | 3.9M | 720.37K | 580.36K | 2.12M |
| Interest Paid | 0 | 0 | 0 | 0 | 35.28K | 0 |
| Income Taxes Paid | 0 | 61.83K | 0 | 0 | 0 | 0 |
| Free Cash Flow | 159.93K | 606.92K | -2.89M | -3.48M | -2.83M | -946.82K |
| FCF Growth % | - | 2.79% | -5.76% | -0.2% | 0.19% | 0.66% |
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | -6.91% | -48.68% | -87.61% | -261.71% | -322.56% |
| Return on Assets (ROA) | 45.69% | -5.95% | -40.12% | -50.81% | -94.04% | -76.49% |
| Net Interest Margin | 0% | -0.34% | -1.47% | -1.22% | -2.28% | 0% |
| Efficiency Ratio | 50.78% | 66.17% | 109.87% | 118.05% | 151.62% | 11.98% |
| Equity / Assets | -38.99% | 91.26% | 71.98% | 38.58% | 32.94% | 16.74% |
| Book Value / Share | -0.02 | 0.96 | 0.64 | 0.25 | 0.19 | 1.36 |
| NII Growth | - | - | -261.23% | 40.22% | -65.98% | 100% |
| 2024 | 2025 | |
|---|---|---|
| Subscription Revenue | 738.7K | 750.04K |
| Subscription Revenue Growth | - | 1.54% |
| Sponsorship Revenue | 107.74K | 220.92K |
| Sponsorship Revenue Growth | - | 105.05% |
| Insurance | - | 197.85K |
| Insurance Growth | - | - |
| Other Revenue | 320.5K | 87.53K |
| Other Revenue Growth | - | -72.69% |
Pineapple Financial Inc. (PAPL) grew revenue by 599.6% over the past year. This is strong growth.
Pineapple Financial Inc. (PAPL) reported a net loss of $3.6M for fiscal year 2025.
Pineapple Financial Inc. (PAPL) has a return on equity (ROE) of -322.6%. Negative ROE indicates the company is unprofitable.
Pineapple Financial Inc. (PAPL) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.
Pineapple Financial Inc. (PAPL) has an efficiency ratio of 12.0%. This is excellent, indicating strong cost control.