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Upturn AI SWOT - About
Pineapple Financial Inc. (PAPL)
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Upturn Advisory Summary
10/14/2025: PAPL (3-star) is a WEAK-BUY. BUY since 62 days. Simulated Profits (72.38%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
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 72.38% | Avg. Invested days 62 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 7.56M 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 - 16.60 | Updated Date 10/14/2025 |
52 Weeks Range 0.20 - 16.60 | Updated Date 10/14/2025 | ||
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 8022976 | Price to Sales(TTM) 2.54 |
Enterprise Value 8022976 | Price to Sales(TTM) 2.54 | ||
Enterprise Value to Revenue 2.69 | Enterprise Value to EBITDA -3.61 | Shares Outstanding 1345941 | Shares Floating 799321 |
Shares Outstanding 1345941 | Shares Floating 799321 | ||
Percent Insiders 18.5 | Percent Institutions 0.5 |
Upturn AI SWOT
Pineapple Financial Inc.
Company Overview
History and Background
Pineapple Financial Inc. was founded in 2016 and has quickly grown to become one of the leading technology-focused mortgage brokerages in Canada. Through its proprietary technology, AI-driven tools and network of partner brokerages, Pineapple Financial connects consumers with mortgage options that meet their needs, providing an alternative to traditional banks and mortgage lenders.
Core Business Areas
- Mortgage Brokerage Services: Pineapple Financial's core business involves connecting consumers with mortgage products through a network of in-house and partner mortgage brokers. They leverage technology to streamline the mortgage application and approval process.
- Technology Platform: Pineapple Financial's technology platform provides brokers with tools for lead management, deal tracking, and automated compliance, improving efficiency and the user experience.
- Insurance Services: Pineapple Financial offers insurance services through its network to complement its mortgage offerings.
Leadership and Structure
Boris Tsimberg is the CEO and Founder. The company has a typical corporate structure with executive leadership overseeing various departments such as technology, sales, marketing, and operations.
Top Products and Market Share
Key Offerings
- Mortgage Brokerage Services: Pineapple Financial's main offering is mortgage brokerage services, connecting consumers with various lenders. The company has a relatively small market share of the total Canadian Mortgage market. Major competitors include established banks and large mortgage brokerage networks like CanWise Financial (owned by Ratehub.ca) and Dominion Lending Centres. Market Share is difficult to obtain.
- Technology Platform (Brokerage Tools): Pineapple Financial provides brokers with proprietary software that includes tools for CRM, deal management, and compliance. Competitors include Filogix and Newton Connectivity Systems.
Market Dynamics
Industry Overview
The mortgage brokerage industry is increasingly competitive, driven by technological advancements and evolving consumer preferences. The market is influenced by interest rates, housing prices, and regulatory changes.
Positioning
Pineapple Financial positions itself as a technology-driven mortgage brokerage, focusing on providing efficient and transparent services. Their competitive advantage lies in their proprietary technology platform and growing network of brokers.
Total Addressable Market (TAM)
The Canadian mortgage market is estimated to be worth hundreds of billions of dollars annually. Pineapple Financial is positioned to capture a portion of this market through its technology and broker network.
Upturn SWOT Analysis
Strengths
- Proprietary Technology Platform
- Strong Broker Network
- Focus on Customer Experience
- Innovative Marketing Strategies
Weaknesses
- Relatively small market share
- Dependence on the Canadian housing market
- Limited Brand Recognition compared to major banks
- Need for scale in Technology Infrastructure
Opportunities
- Expansion into new geographic regions
- Partnerships with real estate agents and developers
- Development of new financial products
- Increased adoption of digital mortgage solutions
Threats
- Rising interest rates
- Increased competition from established banks and brokerages
- Regulatory changes
- Economic downturn affecting housing market
Competitors and Market Share
Key Competitors
- DLCG.V
- CMLS Financial
- CanWise Financial
Competitive Landscape
Pineapple Financial Inc. faces competition from established banks, large mortgage brokerage networks, and other fintech companies. Its competitive advantage lies in its technology-driven approach and focus on customer experience.
Growth Trajectory and Initiatives
Historical Growth: Pineapple Financial Inc. has demonstrated rapid growth in recent years, fueled by the demand for digital mortgage solutions and the expansion of its broker network.
Future Projections: Analysts project continued growth for Pineapple Financial Inc., driven by increased market penetration and the expansion of its product offerings.
Recent Initiatives: Recent initiatives include the launch of new technology features, strategic partnerships, and marketing campaigns to increase brand awareness.
Summary
Pineapple Financial Inc. is a technology-focused mortgage brokerage that has demonstrated rapid growth and has developed innovative technology but faces competition from established players and is dependent on the Canadian housing market. They are well-positioned to continue growing market share through strategic partnerships and continued technology development. Potential weaknesses include a dependency on housing market conditions and the need to scale their technology infrastructure. Further expansion into new geographies and offerings will be critical to their success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise. Past performance is not indicative of future results.
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-Jeet 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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