Pineapple Financial Inc.
PAPL NYSE· Finance Services
Last close · Oct 23, 2026
$0.98
KIRA · Stoqly’s AI analyst, in plain words
- Pineapple Financial Inc. had $3.0M of revenue in fiscal 2025, up 11.1% on the year before.
- Its operating margin was −98.7%, up 43.5 pts: of every 100 in sales, about −99 is left after running the business.
- Pineapple Financial Inc. lost $3.6M in fiscal 2025.
Market cap
$25.1M
P/E
—
Revenue
$3.0M
Net income
−$3.6M
Free cash flow
—
Operating margin
−98.7%
Pineapple Financial Inc. in 30 seconds · fiscal 2025
Are sales growing?
+11.1%
Yes. Sales grew 11.1% last year.
Does it make a profit?
−121.8%
No. It lost money last year.
How healthy are the accounts?
2 / 8
Weak. It passes 2 of 8 health tests.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What Pineapple Financial Inc. does
No business description yet.
- Fiscal year ends
- August 31, 2025
- Latest annual report
- 10-K · Dec 3, 2025
- Legal name
- Pineapple Financial Inc.
- CIK
- 0001938109
Pineapple Financial Inc. · PAPL
Results and finances
The last 4 fiscal years. Amounts in USD.
| Fiscal year | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Sales and profit | ||||
| Revenue | $3.6M | $2.5M | $2.7M | $3.0M |
| Revenue growth | — | −30.5% | 7.5% | 11.1% |
| Net interest income | — | −$0.1M | −$0.1M | — |
| Gross margin | 24.5% | 56.2% | 49.1% | 46.3% |
| Operating margin | — | −111.2% | −142.2% | −98.7% |
| Net income | −$2.8M | −$2.8M | −$4.1M | −$3.6M |
| Net margin | −78.0% | −112.3% | −152.6% | −121.8% |
| Diluted EPS | −$0.45 | −$0.45 | −$11.46 | −$5.31 |
| Cash | ||||
| Cash from operations | −$1.8M | −$2.1M | −$1.7M | −$0.9M |
| Capital expenditure | $0.2M | $0.1M | $0.0M | — |
| Free cash flow | −$2.1M | −$2.2M | −$1.7M | — |
| FCF margin | −57.9% | −87.0% | −63.7% | — |
| Share count change | — | 0.0% | −94.3% | 86.3% |
| Debt and strength | ||||
| Cash and short-term investments | $3.9M | $0.7M | $0.6M | $2.1M |
| Shareholders' equity | $4.6M | $1.8M | $1.3M | $0.9M |
| Current ratio | 5.7x | 1.4x | 0.6x | 0.6x |
| Interest coverage | — | −49.4x | — | −60.7x |
| Returns and quality | ||||
| Return on equity | −60.7% | −87.6% | −261.7% | −322.6% |
| Return on tangible equity | −71.6% | −4,198.8% | — | — |
| Piotroski F-score | — | 3 | 3 | 2 |
| Altman Z'' | — | −6.6 | −14.3 | −13.1 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Pineapple Financial Inc. · PAPL
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $0.98 a share, the company is worth $25.1M.
Source: SEC EDGAR XBRL filings (CIK 0001938109). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.