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Pineapple Financial Inc.

PAPL

$1.18 ▼ -0.04 (-3.28%) at close

6 Visible periods

28 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

Pineapple Financial Inc. faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap —

Dividend Yield —

Revenue Growth 11.1% ↗

Op. Margin -98.7% ↗

ROIC -256.9% ↘

FCF / Share $-1.42 ↘

Trailing P/E —

Price / Book 1.8x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 5, 2026.

6-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$2.99M

↑ +11.1% —

Net Income Profit after all expenses

$-3.64M

↑ +11.3% —

Operating Margin Operating profit as % of sales

-98.7%

↑ +30.6% 2th

FCF / Share Free cash flow per share

$-1.42

↓ -493.1% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability ↑

Financial Health ↓

Cash Quality ↓

Financial view

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📈 Is growth accelerating? 5 metrics

Metric	FY 2025 Aug 31, 2025 10-K ↗	FY 2024 Aug 31, 2024 10-K ↗	FY 2023 Aug 31, 2023 10-K ↗	FY 2022 Aug 31, 2022 10-K ↗	FY 2021 Aug 31, 2021 10-K ↗	FY 2020 Aug 31, 2020 10-K ↗
Revenue Growth YoY (%)	11.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+85%)	7.5% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+24%)	-30.5% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-608%)	—	—	—
EPS Growth YoY (%)	-831.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-26.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	11.3% Fair ↑ Fair Improving Year-over-year change in net income	-46.1% Weak Weak Year-over-year change in net income	0.0% Caution Caution Year-over-year change in net income	—	—	—
FCF Growth YoY (%)	-493.1% Weak ↓ Weak Declining Year-over-year change in free cash flow	30.6% Excellent Excellent Year-over-year change in free cash flow	-4.5% Weak Weak Year-over-year change in free cash flow	—	—	—
Revenue CAGR 3Y (%)	-6.0% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Aug 31, 2025 10-K ↗	FY 2024 Aug 31, 2024 10-K ↗	FY 2023 Aug 31, 2023 10-K ↗	FY 2022 Aug 31, 2022 10-K ↗	FY 2021 Aug 31, 2021 10-K ↗	FY 2020 Aug 31, 2020 10-K ↗
Operating Margin (%) (%)	-98.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-495%)	-142.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-669%)	-111.2% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-545%)	—	—	—
Profit Margin (%) (%)	-121.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-654%)	-152.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-794%)	-112.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-610%)	-78.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-455%)	—	—
FCF Margin (%) (%)	-31.7% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-63.7% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-87.0% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-57.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—
FCF / Net Income (x)	0.26x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.42x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.78x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	0.74x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Aug 31, 2025 10-K ↗	FY 2024 Aug 31, 2024 10-K ↗	FY 2023 Aug 31, 2023 10-K ↗	FY 2022 Aug 31, 2022 10-K ↗	FY 2021 Aug 31, 2021 10-K ↗	FY 2020 Aug 31, 2020 10-K ↗
Return on Invested Capital (%)	-256.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-223.9% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-123.1% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—
Return on Capital (%) (%)	-54.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-93.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	-60.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	—	—	-157.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1411%)	-60.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-606%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Aug 31, 2025 10-K ↗	FY 2024 Aug 31, 2024 10-K ↗	FY 2023 Aug 31, 2023 10-K ↗	FY 2022 Aug 31, 2022 10-K ↗	FY 2021 Aug 31, 2021 10-K ↗	FY 2020 Aug 31, 2020 10-K ↗
Debt to Equity (x)	—	—	0.24x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	—	—	—
Interest Coverage (x)	-60.69x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-61.09x Weak Weak Operating income divided by interest expense Optimal: > 5x	-49.40x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	—
Net Debt (USD)	—	—	$430.10K	—	—	—
Debt / EBITDA (x)	—	—	-0.15x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Aug 31, 2025 10-K ↗	FY 2024 Aug 31, 2024 10-K ↗	FY 2023 Aug 31, 2023 10-K ↗	FY 2022 Aug 31, 2022 10-K ↗	FY 2021 Aug 31, 2021 10-K ↗	FY 2020 Aug 31, 2020 10-K ↗
Revenue per Share (USD)	$4.49	$0.38	$0.40	$0.57	—	—
Basic EPS, GAAP (USD)	$-5.31	$-0.57	$-0.45	$-0.45	—	—
Free Cash Flow per Share (USD)	$-1.42	$-0.24	$-0.35	$-0.33	—	—
Book Value per Share (USD)	$0.68	$0.16	$0.28	$0.73	$1.10	—
Tangible Book Value per Share (USD)	$-1.19	$-0.10	$0.01	$0.62	$1.10	—
Basic Weighted Avg Shares (shares)	665,820	7.15M	6.31M	6.31M	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Aug 31, 2025 10-K ↗	FY 2024 Aug 31, 2024 10-K ↗	FY 2023 Aug 31, 2023 10-K ↗	FY 2022 Aug 31, 2022 10-K ↗	FY 2021 Aug 31, 2021 10-K ↗	FY 2020 Aug 31, 2020 10-K ↗
Working Capital (USD)	$-682.10K	$-505.42K	$523.71K	$3.70M	—	—
Total Equity (USD)	$906.68K	$1.35M	$1.79M	$4.63M	$6.92M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Aug 31, 2025 10-K ↗	FY 2024 Aug 31, 2024 10-K ↗	FY 2023 Aug 31, 2023 10-K ↗	FY 2022 Aug 31, 2022 10-K ↗	FY 2021 Aug 31, 2021 10-K ↗	FY 2020 Aug 31, 2020 10-K ↗
Sales/Revenue/Turnover (USD)	$2.99M	$2.69M	$2.50M	$3.60M	—	—
Depreciation Expense (USD)	$862.10K	—	—	$255.87K	—	—
Net Income, GAAP (USD)	$-3.64M	$-4.10M	$-2.81M	$-2.81M	—	—
Operating Cash Flow (USD)	$-946.82K	$-1.71M	$-2.12M	$-1.83M	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 6 years · 15 quarters

Pineapple Financial Inc.

Analytical Summary

6-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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