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Pineapple Financial Inc. (PAPL)



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Upturn Advisory Summary
08/14/2025: PAPL (3-star) is a STRONG-BUY. BUY since 20 days. Profits (60.63%). Updated daily EoD!
1 Year Target Price $100
1 Year Target Price $100
1 | Strong Buy |
0 | Buy |
0 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 60.63% | Avg. Invested days 20 | Today’s Advisory Regular Buy |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 6.62M USD | Price to earnings Ratio - | 1Y Target Price 100 |
Price to earnings Ratio - | 1Y Target Price 100 | ||
Volume (30-day avg) 1 | Beta - | 52 Weeks Range 0.20 - 20.80 | Updated Date 08/15/2025 |
52 Weeks Range 0.20 - 20.80 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -8.2 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -118.82% | Operating Margin (TTM) -92.04% |
Management Effectiveness
Return on Assets (TTM) -41.6% | Return on Equity (TTM) -244.79% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 6954321 | Price to Sales(TTM) 2.22 |
Enterprise Value 6954321 | Price to Sales(TTM) 2.22 | ||
Enterprise Value to Revenue 2.34 | Enterprise Value to EBITDA -3.61 | Shares Outstanding 1307640 | Shares Floating 793303 |
Shares Outstanding 1307640 | Shares Floating 793303 | ||
Percent Insiders 23.66 | Percent Institutions 0.56 |
Upturn AI SWOT
Pineapple Financial Inc.
Company Overview
History and Background
Pineapple Financial Inc. was founded in 2017. It quickly established itself as a tech-focused mortgage brokerage firm. Their focus on technology and streamlined processes has allowed them to rapidly expand its network of agents and volume of mortgage transactions.
Core Business Areas
- Mortgage Brokerage: Primarily focuses on connecting clients with a variety of mortgage lenders to find the best rates and terms for their individual needs. They offer various loan products, including residential mortgages, commercial mortgages, and refinancing options.
- Technology Platform: Pineapple Financial provides its agents with a proprietary technology platform designed to streamline the mortgage application and approval process. This platform includes features for lead generation, customer relationship management (CRM), and automated underwriting.
- Insurance Services: Through partnerships, Pineapple Financial offers insurance products to its mortgage clients, including home insurance and life insurance.
Leadership and Structure
Pineapple Financial Inc. has a traditional corporate structure with a CEO, CFO, and various department heads. The leadership team includes individuals with experience in the mortgage industry, technology, and finance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: This is the core product. Pineapple Financial brokers residential mortgages for clients. While specific market share is difficult to pinpoint precisely, Pineapple Financial operates in a highly fragmented market, competing with large banks, credit unions, and other independent mortgage brokerages. Competitors include Rocket Mortgage, United Wholesale Mortgage (UWM), and traditional banks like Chase and Wells Fargo.
- Refinancing: Pineapple Financial facilitates mortgage refinancing for existing homeowners. Competitors for refinancing services are the same as for residential mortgages: Rocket Mortgage, UWM, and major banks.
- Commercial Mortgages: Pineapple Financial also offers commercial mortgage brokerage services for businesses. Competition includes commercial banks and specialized commercial mortgage brokers.
Market Dynamics
Industry Overview
The mortgage industry is highly competitive and cyclical, influenced by interest rates, economic conditions, and government regulations. The market is currently experiencing headwinds due to rising interest rates which are impacting housing affordability and mortgage demand.
Positioning
Pineapple Financial positions itself as a technology-driven mortgage brokerage that offers clients a wider range of options and faster processing times compared to traditional lenders. Their competitive advantage lies in its technology platform and growing network of agents.
Total Addressable Market (TAM)
The total addressable market for mortgages in North America is estimated to be in the trillions of dollars annually. Pineapple Financial is positioned to capture a growing share of this market through its technology-driven approach and expansion strategy.
Upturn SWOT Analysis
Strengths
- Technology platform for efficient processing
- Growing network of agents
- Wide range of lender options
- Strong brand reputation
- Customer-centric approach
Weaknesses
- Relatively small market share compared to larger competitors
- Reliance on mortgage industry cycles
- Potential vulnerability to cybersecurity threats
- High competition in the mortgage brokerage space
- Limited brand recognition outside of core markets
Opportunities
- Expansion into new geographic markets
- Increased adoption of technology in the mortgage industry
- Partnerships with real estate agents and other referral sources
- Development of new mortgage products and services
- Acquisition of smaller mortgage brokerages
Threats
- Rising interest rates
- Economic downturn
- Increased competition from larger players
- Changes in government regulations
- Cybersecurity breaches
Competitors and Market Share
Key Competitors
- Rocket Companies (RKT)
- United Wholesale Mortgage (UWMC)
- Opendoor Technologies (OPEN)
Competitive Landscape
Pineapple Financial differentiates itself through its focus on technology and providing agents with a comprehensive platform. However, it faces stiff competition from larger players with greater brand recognition and financial resources. Rocket Mortgage and United Wholesale Mortgage possess significant market share, benefiting from economies of scale and marketing power. Pineapple Financial must leverage its technology effectively to maintain a competitive edge.
Growth Trajectory and Initiatives
Historical Growth: Pineapple Financial has experienced significant growth in recent years, driven by its technology platform and agent network expansion.
Future Projections: Analyst projections suggest continued growth for Pineapple Financial, driven by its ability to disrupt the mortgage industry with its technology-driven approach. However, these projections are subject to market conditions and competitive pressures.
Recent Initiatives: Recent initiatives include the launch of new technology features, partnerships with real estate agents, and expansion into new geographic markets.
Summary
Pineapple Financial Inc. is a rapidly growing mortgage brokerage company leveraging technology to streamline the mortgage process. It's facing considerable challenges associated with the mortgage industry headwinds, high competition and rising interest rates. However, their investments into new technology should help make agents more efficient and allow for expansion. Pineapple Financial Inc. must continue to innovate and navigate the challenges to maintain its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Analyst Reports
- Industry Publications
- Various News Outlets
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly, and past performance is not indicative of future results. Invest at your own risk.
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 | 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.

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