Pineapple Financial Inc.

PAPL

Pineapple Financial Inc.

PAPL

Insider Sentiment (TTM):

Last Purchase:2025-07-16Last Sale:-Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:81,663Shares Outstanding:16,174,900Institutional Ownership Pct.:0.50%

Earnings Market Reaction:

Filing Date:2026-07-20Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-05-31	2026-02-28	2025-11-30	2025-08-31	2025-05-31	2025-02-28	2024-11-30	2024-08-31	2024-05-31	2024-02-29	2023-11-30	2023-08-31
Assets
Cash	5	18	1	2	1	0	1	1	1	1	2	1
Restricted Cash	5	0	-	-	-	-	-	-	-	-	-	-
Assets Current
Assets Current	23	23	2	2	1	1	1	1	1	2	3	2
Accounts And Other Receivables Net Current	0	0	0	0	0	0	0	0	0	1	1	1
Accounts Notes And Loans Receivable Net Current	12	5	-	-	-	-	-	-	-	-	-	-
Investments	0	0	0	0	0	0	0	0	0	0	0	0
Crypto Asset Fair Value Noncurrent	49	22	6	-	-	-	-	-	-	-	-	-
Operating Lease Right Of Use Asset	0	0	0	1	1	1	1	1	1	1	1	1
Property Plant And Equipment Net	0	0	0	0	0	0	0	0	0	0	0	0
Intangible Assets Net Excluding Goodwill	2	3	3	2	3	2	2	2	2	2	2	2
Assets	76	49	11	5	5	4	4	4	4	6	6	5
Liabilities And Stockhold…
Accounts Payable And Accrued Liabilities Current	-	-	0	2	1	1	1	1	1	1	0	1
Accounts Payable And Other Accrued Liabilities Cur…	2	1	2	-	-	-	-	-	-	-	-	-
Loans Payable Current	21	19	12	1	1	1	0	-	-	1	1	0
Liabilities Current
Liabilities Current	24	20	15	3	2	2	2	1	1	1	1	1
Loans Payable	-	-	-	-	-	-	-	-	-	-	-	0
Deferred Revenue Current	0	0	0	0	0	0	0	0	-	-	-	-
Derivative Liabilities Current	0	0	-	-	-	-	-	-	-	-	-	-
Operating Lease Liability Current	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Income	0	0	0	0	0	0	0	0	1	1	1	1
Convertible Long Term Notes Payable	-	-	-	-	-	-	-	-	0	-	-	-
Operating Lease Liability Noncurrent	0	0	1	1	1	1	1	1	1	1	1	1
Derivative Liabilities Noncurrent	-	1	1	1	0	0	0	0	0	0	-	-
Liabilities	24	22	16	5	4	3	3	3	2	3	3	3
Additional Paid In Capital	-	-	-	-	-	-	-	-	-	-	-	3
Common Stock Value	62	63	12	12	10	9	9	9	8	8	8	5
Stockholders Equity
Additional Paid In Capital Common Stock	4	3	3	3	3	3	4	3	3	3	3	3
Stockholders Equity	52	27	-5	1	1	1	1	1	2	3	4	2
Accumulated Other Comprehensive Income Loss Net Of…	-1	0	-1	-1	-0	-0	-1	-0	-0	-0	-0	-0
Retained Earnings Accumulated Deficit	-15	-39	-20	-13	-12	-11	-10	-10	-8	-7	-7	-6
Liabilities And Stockholders Equity	76	49	11	5	5	4	4	4	4	6	6	5
Common Stock Par Or Stated Value Per Share	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Shares Issued	26	26	1	1	1	0	0	0	0	0	0	0
Shares Outstanding	26	26	1	1	1	0	0	0	0	0	0	0

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-52.62%	-51.06%	-56.81%	78.52%	48.50%	56.40%	-	-	-	-	-	-
2025	-2.64%	-26.21%	-36.56%	-57.89%	-75.79%	-65.96%	157.89%	244.21%	186.84%	-40.06%	-63.35%	-77.89%
2024	-13.77%	-17.37%	-17.37%	-9.79%	-24.48%	-48.25%	44.23%	25.74%	5.03%	2.27%	10.91%	-15.91%
2023	-	-	-	-	-	-	-	-	-	3.12%	-10.00%	-6.25%
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Performance and Valuation Metrics

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Metrics	2026-05-31	2026-02-28	2025-11-30	2025-08-31	2025-05-31	2025-02-28	2024-11-30	2024-08-31	2024-05-31	2024-02-29	2023-11-30	2023-08-31
Liquidity Ratios
Current Ratio	1.00	1.15	0.12	0.77	0.58	0.41	0.54	0.64	1.53	2.03	3.02	1.45
Quick Ratio	1.00	1.15	0.12	0.77	0.58	0.41	0.54	0.64	1.53	2.03	3.02	1.45
Working Capital	-48.87K	3.09M	-13.00M	-682.10K	-1.02M	-1.26M	-829.61K	-505.42K	362.44K	1.23M	2.29M	523.71K
Leverage & Debt
Debt to Equity	0.47	0.80	-2.94	4.97	4.58	4.36	2.21	2.04	1.10	0.89	0.78	1.59
Interest Coverage TTM	-	-2,037.52	-343.29	-74.44	-61.80	-62.60	-50.05	-47.66	-37.34	-	-	-
Debt Ratio	0.32	0.45	1.52	0.83	0.82	0.81	0.72	0.67	0.52	0.47	0.44	0.61
Efficiency & Turnover
Asset Turnover TTM	0.07	0.11	0.40	0.63	0.63	0.60	0.55	0.62	0.49	-	-	-
Days Sales Outstanding TTM	1,574.69	627.90	-	-	-	-	-	-	-	-	-	-
Receivables Turnover TTM	0.23	0.58	-	-	-	-	-	-	-	-	-	-
Per Share Metrics
Diluted EPS TTM	-0.10	-1.75	-7.00	-5.46	-5.52	-8.42	-10.81	-11.48	-6.69	-	-	-
Free Cash Flow Per Share TTM	-0.21	-0.26	-1.07	-2.84	-2.38	-3.36	-4.57	-4.80	-4.03	-	-	-
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-	-
Margin Metrics
Gross Profit Margin TTM	60.14%	76.20%	85.49%	88.75%	89.18%	88.81%	91.46%	96.52%	-	-	-	-
Operating Profit Margin TTM	-14.50%	-895.69%	-299.60%	-98.70%	-118.47%	-125.93%	-126.21%	-142.24%	-116.32%	-	-	-
Net Profit Margin TTM	-90.19%	-974.26%	-320.02%	-121.82%	-122.92%	-133.60%	-133.82%	-152.57%	-114.98%	-	-	-
Growth Metrics
Net Revenue Growth (1Y)	-2.54%	2.19%	1.97%	11.08%	36.54%	-	-	-	-	-	-	-
Net Income Growth (1Y)	-28.49%	645.23%	143.84%	-11.31%	45.97%	-	-	-	-	-	-	-
EPS Growth (1Y)	-98.22%	-79.21%	-35.19%	-52.41%	-17.54%	-	-	-	-	-	-	-
Valuation Metrics
P/E TTM	-10.89	-0.40	-0.49	-0.74	-0.14	-0.88	-0.93	-1.53	-3.44	-	-	-
P/B TTM	0.53	0.42	-0.84	2.95	0.60	4.52	2.65	4.65	4.03	3.29	2.65	-
P/S TTM	9.82	3.87	1.57	0.90	0.18	1.17	1.24	2.33	3.95	-	-	-
Market Cap	27.32M	11.26M	4.62M	2.68M	508.57K	3.34M	3.57M	6.27M	8.26M	9.71M	9.59M	-
Enterprise Value	43.67M	12.49M	15.13M	1.19M	7.25K	3.45M	3.44M	5.69M	7.59M	8.91M	7.76M	-
Calculated Values
Free Cash Flow TTM	-5.26M	-4.28M	-1.44M	-1.89M	-1.52M	-1.52M	-1.63M	-1.71M	-1.45M	-	-	-
Net Debt	16.35M	1.24M	10.50M	-1.49M	-501.32K	105.52K	-128.62K	-580.36K	-668.20K	-806.72K	-1.82M	-290.27K
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-07-16Purchase

Owner: Marin, Kendall Leo

Title: COO

Shares: 1,175

Price/Share: $2.63

Value: $3,090.25

Shares Owned: 2,382,098

Relationship: Director,Officer,TenPercentOwner

Ownership: Direct

2025-07-15Purchase

Owner: Marin, Kendall Leo

Title: COO

Shares: 81,000

Price/Share: $0.10

Value: $8,100.00

Shares Owned: 2,380,923

Relationship: Director,Officer,TenPercentOwner

Ownership: Direct

2025-07-10Purchase

Owner: Marin, Kendall Leo

Title: COO

Shares: 5,100

Price/Share: $0.09

Value: $459.00

Shares Owned: 2,291,923

Relationship: Director,Officer,TenPercentOwner

Ownership: Direct

2025-07-07Purchase

Owner: Marin, Kendall Leo

Title: COO

Shares: 6,000

Price/Share: $0.09

Value: $540.00

Shares Owned: 2,281,823

Relationship: Director,Officer,TenPercentOwner

Ownership: Direct

2025-07-02Purchase

Owner: Marin, Kendall Leo

Title: COO

Shares: 14,000

Price/Share: $0.10

Value: $1,400.00

Shares Owned: 2,272,823

Relationship: Director,Officer,TenPercentOwner

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-07-16	Marin, Kendall Leo	Director,Officer,TenPercentOwner	COO	Direct	Purchase	1,175	2.63	$3,090.25	2,382,098	4
2025-07-15	Marin, Kendall Leo	Director,Officer,TenPercentOwner	COO	Direct	Purchase	81,000	0.10	$8,100.00	2,380,923	4
2025-07-10	Marin, Kendall Leo	Director,Officer,TenPercentOwner	COO	Direct	Purchase	5,100	0.09	$459.00	2,291,923	4
2025-07-07	Marin, Kendall Leo	Director,Officer,TenPercentOwner	COO	Direct	Purchase	6,000	0.09	$540.00	2,281,823	4
2025-07-02	Marin, Kendall Leo	Director,Officer,TenPercentOwner	COO	Direct	Purchase	14,000	0.10	$1,400.00	2,272,823	4
2025-06-25	Marin, Kendall Leo	Director,Officer,TenPercentOwner	COO	Direct	Purchase	79,600	0.07	$5,572.00	2,158,123	4
2025-06-24	Marin, Kendall Leo	Director,Officer,TenPercentOwner	COO	Direct	Purchase	725	0.05	$36.25	2,078,523	4
2025-06-16	Marin, Kendall Leo	Director,Officer,TenPercentOwner	COO	Direct	Purchase	1,999	0.04	$79.96	2,069,048	4
2025-06-09	Marin, Kendall Leo	Director,Officer	COO	Direct	Purchase	10,000	0.05	$500.00	2,067,049	4
2025-06-09	Giannoukakis, Tasis Anast…	Director	-	Direct	Purchase	725	0.06	$43.50	800,000	4
2025-06-06	Marin, Kendall Leo	Director,Officer	COO	Direct	Purchase	3,584	0.06	$215.04	2,057,049	4
2025-06-05	Giannoukakis, Tasis Anast…	Director	-	Direct	Purchase	199,920	0.06	$11,995.20	790,176	4
2025-06-04	Marin, Kendall Leo	Director,Officer	COO	Direct	Purchase	112,931	0.05	$5,646.55	2,053,465	4
2025-06-03	Marin, Kendall Leo	Director,Officer	COO	Direct	Purchase	10,200	0.05	$510.00	1,940,534	4
2025-05-30	Marin, Kendall Leo	Director,Officer	COO	Direct	Purchase	40,634	0.04	$1,625.36	1,930,334	4
2025-05-29	Marin, Kendall Leo	Director,Officer	COO	Direct	Purchase	15,595	0.04	$623.80	1,889,700	4
2025-05-27	Marin, Kendall Leo	Director,Officer	COO	Direct	Purchase	30,843	0.04	$1,233.72	1,874,105	4
2025-05-27	Giannoukakis, Tasis Anast…	Director	-	Direct	Purchase	300,000	0.06	$18,000.00	589,856	4
2025-05-22	Marin, Kendall Leo	Director,Officer	COO	Direct	Purchase	1,451	0.05	$72.55	1,843,262	4
2025-05-21	Marin, Kendall Leo	Director,Officer	COO	Direct	Purchase	180,000	0.06	$10,800.00	1,841,811	4
2025-05-21	Giannoukakis, Tasis Anast…	Director	-	Direct	Purchase	152,000	0.06	$9,120.00	289,856	4
2025-05-21	Dasgupta, Shubha-Jeet	Director,Officer,TenPercentOwner	CEO	Direct	Purchase	33,000	0.06	$1,980.00	40,000	4
2025-05-20	Marin, Kendall Leo	Director,Officer	COO	Direct	Purchase	350,000	0.03	$10,500.00	1,661,811	4
2024-08-14	Dasgupta, Shubha-Jeet	Director,Officer,TenPercentOwner	CEO	Direct	Purchase	2,000	1.08	$2,160.00	7,000	4
2024-08-02	Marin, Kendall Leo	Director,Officer,TenPercentOwner	COO	Direct	Purchase	2,000	0.94	$1,880.00	854,154	4
2024-08-01	Mitchell, Christa Lillian	Director,Officer	CSO	Direct	Purchase	2,000	1.02	$2,040.00	279,735	4
2024-07-29	Marin, Kendall Leo	Director,Officer,TenPercentOwner	COO	Direct	Purchase	2,000	1.11	$2,220.00	852,154	4
2024-07-29	Dasgupta, Shubha-Jeet	Director,Officer,TenPercentOwner	CEO	Direct	Purchase	3,000	1.14	$3,420.00	5,000	4
2024-07-23	Mitchell, Christa Lillian	Director,Officer	CSO	Direct	Purchase	2,000	0.88	$1,760.00	277,735	4
2024-07-23	Giannoukakis, Tasis Anast…	Director	-	Direct	Purchase	23,500	0.90	$21,150.00	112,844	4
2024-07-22	Marin, Kendall Leo	Director,Officer,TenPercentOwner	COO	Direct	Purchase	2,000	0.92	$1,840.00	848,154	4
2024-07-17	Dasgupta, Shubha-Jeet	Director,Officer,TenPercentOwner	CEO	Direct	Purchase	2,000	0.97	$1,940.00	2,000	4
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Institutional Ownership

No data available for chart

2026-03-31

0.50%

Inst. Shares: 81,663

Shares Outstanding: 16,174,900

2025-12-31

10.87%

Inst. Shares: 146,155

Shares Outstanding: 1,344,391

2025-09-30

20.67%

Inst. Shares: 137,658

Shares Outstanding: 665,820

2025-06-30

21.15%

Inst. Shares: 134,457

Shares Outstanding: 635,712

2025-03-31

33.74%

Inst. Shares: 152,250

Shares Outstanding: 451,300

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	81,663	16,174,900	0.50%
2025-12-31	146,155	1,344,391	10.87%
2025-09-30	137,658	665,820	20.67%
2025-06-30	134,457	635,712	21.15%
2025-03-31	152,250	451,300	33.74%
2024-12-31	130,255	357,297	36.46%
2024-09-30	120,016	357,297	33.59%
2024-06-30	15,221	359,099	4.24%
2024-03-31	0	323,765	-
2023-12-31	2,730	328,330	0.83%
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Pineapple Financial Inc. (PAPL) — SEC Financial Statements & Analysis

Pineapple Financial Inc. (PAPL) is a finance services company, incorporated in A1. Pineapple Financial Inc. trades on NYSE as: PAPL. Based on its latest SEC filing (Form 10-Q, period ending 2026-05-31), Pineapple Financial Inc. reported a -2.54% year-over-year revenue growth, a Gross Profit Margin of 60.14% (TTM), a Debt-to-Equity ratio of 0.47x, a Price-to-Sales (P/S) ratio of 9.82x (TTM), a Price-to-Book (P/B) ratio of 0.53x (TTM), at a market cap of $27.32M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -2.54%
Gross Profit Margin TTM: 60.14%
Debt To Equity: 0.47x
P/S TTM: 9.82x
P/B TTM: 0.53x
Market Cap: $27.32M

Data as of 2026-05-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is Pineapple Financial Inc. in?

Pineapple Financial Inc. (PAPL) operates in the Finance Services industry.

What is PAPL's market cap?

Pineapple Financial Inc. (PAPL) has a market capitalization of $27.32M as of 2026-05-31.

What exchange does PAPL trade on?

Pineapple Financial Inc. (PAPL) trades on the NYSE.

Where is Pineapple Financial Inc. incorporated?

Pineapple Financial Inc. is incorporated in British Columbia, Canada.