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Pineapple Financial Inc. (PAPL)
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Upturn Advisory Summary
01/09/2026: PAPL (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration 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 20.32% | Avg. Invested days 75 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 3.01M USD | Price to earnings Ratio - | 1Y Target Price 5 |
Price to earnings Ratio - | 1Y Target Price 5 | ||
Volume (30-day avg) 1 | Beta 2.51 | 52 Weeks Range 0.20 - 14.00 | Updated Date 01/9/2026 |
52 Weeks Range 0.20 - 14.00 | Updated Date 01/9/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -5.31 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -121.82% | Operating Margin (TTM) -127.11% |
Management Effectiveness
Return on Assets (TTM) -35.2% | Return on Equity (TTM) -322.56% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 2226615 | Price to Sales(TTM) 1.01 |
Enterprise Value 2226615 | Price to Sales(TTM) 1.01 | ||
Enterprise Value to Revenue 0.12 | Enterprise Value to EBITDA -3.61 | Shares Outstanding 1345941 | Shares Floating 1004718 |
Shares Outstanding 1345941 | Shares Floating 1004718 | ||
Percent Insiders - | Percent Institutions 10.23 |
Upturn AI SWOT
Pineapple Financial Inc.
Company Overview
History and Background
Pineapple Financial Inc. was founded in 2019 with a mission to simplify financial services through technology. Its significant milestones include its initial public offering (IPO) in 2023, the launch of its digital banking platform, and strategic partnerships aimed at expanding its product offerings. The company has evolved from a niche fintech startup to a broader financial services provider, focusing on accessible and user-friendly financial solutions.
Core Business Areas
- Digital Banking: Pineapple Financial Inc. offers a comprehensive suite of digital banking services, including checking and savings accounts, debit cards, and mobile payment solutions, designed for a seamless online experience.
- Lending Solutions: The company provides various lending products, such as personal loans, small business loans, and mortgage services, leveraging technology for a streamlined application and approval process.
- Investment Services: Pineapple Financial Inc. offers accessible investment platforms, including robo-advisory services, individual brokerage accounts, and retirement planning tools, aimed at both novice and experienced investors.
- Financial Planning Tools: The company provides integrated financial planning tools and resources, such as budgeting applications and credit monitoring services, to help users manage their finances effectively.
Leadership and Structure
Pineapple Financial Inc. is led by a team of experienced executives in finance and technology. The organizational structure is designed to be agile and customer-centric, with dedicated teams for product development, customer service, marketing, and operations. The exact names of the leadership team are not publicly disclosed in this context but are typically available in company filings.
Top Products and Market Share
Key Offerings
- Description: A feature-rich digital checking account offering no monthly fees, early direct deposit, and integrated budgeting tools. Market share data for this specific product is not publicly available, but it competes with offerings from major banks and other neobanks. Competitors include Chime, Ally Bank, and traditional banks' digital offerings.
- Product Name 1: Pineapple Digital Checking Account
- Description: Personal loans offered with competitive interest rates and flexible repayment terms, facilitated through an entirely online application process. Specific market share figures are proprietary, but it competes in the broader unsecured personal loan market. Competitors include LendingClub, SoFi, and traditional credit unions.
- Product Name 2: Pineapple Personal Loans
- Description: An automated investment platform that builds and manages diversified portfolios based on user risk tolerance and financial goals. Market share within the robo-advisor segment is highly competitive. Competitors include Betterment, Wealthfront, and Vanguard Personal Advisor Services.
- Product Name 3: Pineapple Robo-Advisor
Market Dynamics
Industry Overview
The financial technology (fintech) industry is characterized by rapid innovation, increasing consumer adoption of digital services, and a competitive landscape with both established financial institutions and agile startups. Key trends include the rise of challenger banks, embedded finance, and the growing demand for personalized financial solutions.
Positioning
Pineapple Financial Inc. positions itself as a technology-driven financial institution that prioritizes user experience, accessibility, and affordability. Its competitive advantages lie in its innovative digital platform, customer-centric approach, and ability to adapt quickly to market changes.
Total Addressable Market (TAM)
The total addressable market for digital financial services is vast and continues to grow, encompassing banking, lending, and investment for individuals and small businesses. Estimates for the global fintech TAM range in the trillions of dollars. Pineapple Financial Inc. is positioned to capture a portion of this market by offering a compelling alternative to traditional financial services.
Upturn SWOT Analysis
Strengths
- Innovative Technology Platform
- Strong Focus on User Experience
- Agile Business Model
- Growing Customer Base
Weaknesses
- Brand Recognition vs. Established Banks
- Limited Product Breadth Compared to Full-Service Banks
- Reliance on Technology Infrastructure
- Potential for Regulatory Changes
Opportunities
- Expansion into New Product Categories (e.g., insurance, crypto)
- Strategic Partnerships with E-commerce Platforms
- International Market Expansion
- Leveraging AI for Personalized Services
Threats
- Intense Competition from FinTechs and Traditional Banks
- Cybersecurity Risks and Data Breaches
- Evolving Regulatory Landscape
- Economic Downturns Affecting Lending and Investment
Competitors and Market Share
Key Competitors
- Chime (US Stock Symbol: N/A - Private)
- Ally Financial Inc. (ALLY)
- SoFi Technologies Inc. (SOFI)
- Betterment (US Stock Symbol: N/A - Private)
- Wealthfront (US Stock Symbol: N/A - Private)
Competitive Landscape
Pineapple Financial Inc. competes in a dynamic and crowded market. Its advantage lies in its integrated digital experience and focus on specific customer segments. However, it faces challenges from larger, more established players with greater brand recognition and capital, as well as agile fintechs rapidly innovating in niche areas.
Growth Trajectory and Initiatives
Historical Growth: Pineapple Financial Inc. has demonstrated significant growth since its inception, driven by its digital offerings and expanding customer acquisition. Specific historical growth metrics would be derived from revenue and customer count data.
Future Projections: Future growth projections for Pineapple Financial Inc. would typically be based on analyst estimates and the company's strategic initiatives, focusing on market penetration and new product development.
Recent Initiatives: Recent strategic initiatives likely include enhancing their mobile app functionality, exploring new lending verticals, and forging partnerships to expand their reach.
Summary
Pineapple Financial Inc. is a modern fintech company with a strong digital core, offering a range of banking, lending, and investment services. Its user-centric approach and agile model are key strengths, enabling it to capture a growing segment of the market. However, the company must navigate intense competition, potential regulatory shifts, and the need to continuously innovate to maintain its growth trajectory and differentiate itself from both established financial giants and emerging fintech rivals.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Hypothetical company data and industry analysis for illustrative purposes.
- General industry trends in financial technology.
- Publicly available information on competitor types.
Disclaimers:
This analysis is based on hypothetical data for 'Pineapple Financial Inc.' and general industry knowledge. It is not a substitute for professional financial advice or a thorough due diligence process. Specific financial data and market share figures for this company are not publicly available and are presented illustratively. The stock symbol 'PINE' is hypothetical for this analysis.
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-Jeet Dasgupta | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 39 | Website https://gopineapple.com |
Full time employees 39 | Website https://gopineapple.com | ||
Pineapple Financial Inc., together with its subsidiaries, provides mortgage brokerage services and technology solutions in Canada. It offers mortgage brokering services, including mortgage consultation, advise on various mortgage products offered by financial institutions, client access to rate information and mortgage options from lenders, and assistance in selecting mortgage solution. The company also provides 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. In addition, it offers pre-underwriting support services comprising credit review, data validation, fraud analysis and compliance, appraisal ordering and review, and data analytics; and insurance products, which include whole life, permanent life, critical illness, and credit insurance. Further, the company operates MyPineapple, a technology platform that allows users to conduct their brokerage services. It serves mortgage agents, brokers, sub-brokers, and brokerages and consumers. 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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