Pineapple Financial Inc. (PAPL) Earnings History
Annual and quarterly earnings data from 2020 to 2025
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PAPL EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
PAPL Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 44.9% | -98.7% | -121.8% |
| 2024 | 9.4% | -142.2% | -152.6% |
| 2023 | 6.9% | -111.2% | -112.3% |
| 2022 | 34.5% | -75.4% | -78.0% |
| 2021 | 17.8% | -1.4% | -1.5% |
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Pineapple Financial Inc. (PAPL) Earnings Overview
As of May 8, 2026, Pineapple Financial Inc. (PAPL) reported trailing twelve-month net income of -$9M, reflecting -857.9% year-over-year growth. The company earned $-7.00 per diluted share over the past four quarters, with a net profit margin of -121.8%.
Looking at the long-term picture, PAPL's historical earnings data spans multiple years. The company achieved its highest annual net income of $190,838 in fiscal 2020.
Pineapple Financial Inc. is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including TREE ($181M net income, 13.5% margin), UWMC ($27M net income, 0.9% margin), GHLD ($126M net income, 8.3% margin), PAPL has room to improve margins relative to the peer group. Compare PAPL vs TREE →
PAPL Earnings vs Peers
Earnings metrics vs comparable public companies
PAPL Historical Earnings Data (2020–2025)
6 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | -$4M | +11.3% | -$3M | $-5.46 | -121.8% | -98.7% |
| 2024 | -$4M | -46.1% | -$4M | $-0.57 | -152.6% | -142.2% |
| 2023 | -$3M | +0.0% | -$3M | $-0.39 | -112.3% | -111.2% |
| 2022 | -$3M | -1097.4% | -$3M | $-0.39 | -78.0% | -75.4% |
| 2021 | $-234,683 | -223.0% | $-233,516 | $-0.03 | -1.5% | -1.4% |
| 2020 | $190,838 | - | $229,768 | $0.02 | 5.3% | 6.4% |
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Start ComparisonPAPL — Frequently Asked Questions
Quick answers to the most common questions about buying PAPL stock.
Is PAPL growing earnings?
PAPL EPS fell to $-7.00, with earnings declining -857.9%. This contrasts with the 5-year CAGR of N/A. TTM net income dropped to $-9M.
What are PAPL's profit margins?
Pineapple Financial Inc. net margin is -121.8%, with operating margin at -98.7%. Below-average margins reflect competitive or cost pressures.
How consistent are PAPL's earnings?
PAPL earnings data spans 2020-2025. The declining earnings trend is -857.9% YoY. Historical data enables comparison across business cycles.