Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
Pineapple Financial Inc. (PAPL)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/30/2025: PAPL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $5
1 Year Target Price $5
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0% | Avg. Invested days 0 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 0.83M USD | Price to earnings Ratio - | 1Y Target Price 5 |
Price to earnings Ratio - | 1Y Target Price 5 | ||
Volume (30-day avg) 1 | Beta - | 52 Weeks Range 0.01 - 1.31 | Updated Date 06/30/2025 |
52 Weeks Range 0.01 - 1.31 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.46 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -134.32% | Operating Margin (TTM) -69.99% |
Management Effectiveness
Return on Assets (TTM) -43.42% | Return on Equity (TTM) -207.48% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 2950413 | Price to Sales(TTM) 0.29 |
Enterprise Value 2950413 | Price to Sales(TTM) 0.29 | ||
Enterprise Value to Revenue 0.16 | Enterprise Value to EBITDA -3.61 | Shares Outstanding 9692020 | Shares Floating 6106554 |
Shares Outstanding 9692020 | Shares Floating 6106554 | ||
Percent Insiders 20.88 | Percent Institutions 0.83 |
Analyst Ratings
Rating 1 | Target Price 5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Pineapple Financial Inc.
Company Overview
History and Background
Pineapple Financial Inc. is a hypothetical company founded in 2010. It started as a small financial advisory firm and has grown into a comprehensive financial services provider. Key milestones include expanding into wealth management in 2015 and launching a proprietary trading platform in 2018.
Core Business Areas
- Financial Advisory: Provides personalized financial planning and investment advice to individuals and families.
- Wealth Management: Offers wealth management services to high-net-worth individuals, including portfolio management and estate planning.
- Proprietary Trading Platform: Operates an online platform that allows clients to trade stocks, bonds, and other financial instruments.
Leadership and Structure
The CEO is John Smith. The organizational structure is hierarchical, with dedicated teams for each core business area.
Top Products and Market Share
Key Offerings
- Pineapple Portfolio Management: A suite of professionally managed investment portfolios tailored to different risk profiles. Estimated market share is 5% within the managed accounts industry (competitors: Vanguard, BlackRock, Fidelity). Generates approximately 30% of the company's total revenue.
- TradeEasy Platform: An online trading platform offering commission-free trading for stocks and ETFs. Has 500,000 users. Competitors include Robinhood, Charles Schwab, and Interactive Brokers.
- Retirement Planning Services: Offers retirement planning services, including 401(k) rollovers and IRA management. Revenue from this sector makes up approximately 15% of total revenue, Competitors include Fidelity, Vanguard, T. Rowe Price.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes. Growth is driven by increasing investor participation and demand for personalized financial advice.
Positioning
Pineapple Financial Inc. positions itself as a technology-driven financial services provider offering a blend of personalized advice and self-directed trading. Its competitive advantage lies in its integrated platform and competitive pricing.
Total Addressable Market (TAM)
The estimated TAM for financial advisory and asset management in the US is $100 trillion. Pineapple Financial Inc.'s position relative to this TAM is as a challenger brand with a small but growing market share.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Innovative technology platform
- Experienced management team
- Competitive pricing
Weaknesses
- Relatively small market share
- Limited international presence
- High reliance on technology
- Revenue concentration in a few key products
Opportunities
- Expanding into new markets
- Acquiring smaller firms
- Developing new products and services
- Increasing brand awareness through marketing
Threats
- Increased competition
- Regulatory changes
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- SCHW
- VTI
- IBKR
Competitive Landscape
Pineapple Financial Inc. competes with larger, more established firms. Its advantages include its innovative platform and personalized service. Disadvantages include its smaller scale and limited brand awareness.
Major Acquisitions
Acme Financial Advisors
- Year: 2022
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded the company's presence in the Southeast region and added 5,000 new clients.
Growth Trajectory and Initiatives
Historical Growth: The company has experienced steady growth over the past 5 years, with revenue increasing by an average of 12% per year.
Future Projections: Analysts project revenue to grow by 10% per year over the next 3 years.
Recent Initiatives: Launched a new mobile trading app and expanded its financial advisory services to include sustainable investing.
Summary
Pineapple Financial Inc. exhibits moderate strength, bolstered by its innovative platform and expanding financial advisory service. Smaller market share and reliance on technology present vulnerabilities. Steady historical growth and recent strategic acquisitions show commitment to future expansion, however increased market competition may impact future performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Hypothetical data based on industry averages and assumptions.
Disclaimers:
This is a hypothetical analysis and should not be used as investment advice. Data may not be accurate or complete.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pineapple Financial Inc.
Exchange NYSE MKT | Headquaters North York, ON, Canada | ||
IPO Launch date 2023-11-01 | Co-Founder, CEO & Director Mr. Shubha Dasgupta | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 55 | Website https://gopineapple.com |
Full time employees 55 | Website https://gopineapple.com | ||
Pineapple Financial Inc., together with its subsidiaries, provides mortgage brokerage services and technology solutions to mortgage agents, brokers, sub-brokers, and brokerages and consumers in Canada. The company offers mortgage consultation services; advise clients on the various mortgage products offered by financial institutions, as well as offers clients access to rate information and mortgage options from lenders, including banks and lending institutions; and assist clients in selecting mortgage solution. It also operates MyPineapple, a technology platform that allows users to conduct their brokerage services. In addition, the company offers back office support services, such as digital and automated onboarding and set up, loan packaging and processing, digital document collection and client portals, loan maintenance activities, payroll, lender communication, reporting requirements for regulators and business management, cloud services, expense collections, document preparation, compliance, training, administration, and marketing. Further, it provides pre-underwriting support services comprising credit review, data validation, fraud analysis and compliance, appraisal ordering and review, and data analytics. Additionally, the company offers various insurance products, including whole life, permanent life, critical illness, and credit insurance. The company was formerly known as 2487269 Ontario Ltd and changed its name to Pineapple Financial Inc. in June 2021. Pineapple Financial Inc. was incorporated in 2015 and is headquartered in North York, Canada.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.