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Pineapple Financial Inc. (PAPL)
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Upturn Advisory Summary
12/05/2025: 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 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 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 4.40M USD | Price to earnings Ratio - | 1Y Target Price 5 |
Price to earnings Ratio - | 1Y Target Price 5 | ||
Volume (30-day avg) 1 | Beta 2.07 | 52 Weeks Range 0.20 - 14.00 | Updated Date 12/7/2025 |
52 Weeks Range 0.20 - 14.00 | Updated Date 12/7/2025 | ||
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 3612935 | Price to Sales(TTM) 1.47 |
Enterprise Value 3612935 | Price to Sales(TTM) 1.47 | ||
Enterprise Value to Revenue 0.19 | Enterprise Value to EBITDA -3.61 | Shares Outstanding 1345941 | Shares Floating 1010707 |
Shares Outstanding 1345941 | Shares Floating 1010707 | ||
Percent Insiders 21.61 | Percent Institutions 10.23 |
Upturn AI SWOT
Pineapple Financial Inc.
Company Overview
History and Background
Pineapple Financial Inc. is a hypothetical company without a public trading history. As such, its founding year, milestones, and evolution are not publicly available.
Core Business Areas
- Financial Services: Pineapple Financial Inc. is envisioned as a diversified financial services company offering a range of products and services to individuals and businesses.
- Investment Management: This segment would focus on managing investment portfolios for clients, including mutual funds, hedge funds, and separately managed accounts.
- Banking and Lending: Pineapple Financial Inc. could operate as a bank, offering deposit accounts, loans (mortgages, commercial loans, personal loans), and other credit facilities.
- Insurance: This area might encompass various insurance products, such as life insurance, health insurance, property and casualty insurance, and annuities.
Leadership and Structure
As a hypothetical entity, Pineapple Financial Inc. would have a typical corporate structure with a Board of Directors, a CEO, and executive leadership overseeing various departments (e.g., finance, operations, marketing, legal).
Top Products and Market Share
Key Offerings
- Product Name 1: Mutual Funds. Description: A diversified range of mutual funds catering to different investment objectives and risk tolerances. Market Share Data: N/A (Hypothetical). Competitors: Vanguard, Fidelity, BlackRock.
- Product Name 2: Mortgage Lending. Description: Providing home loans to individuals and businesses. Market Share Data: N/A (Hypothetical). Competitors: JPMorgan Chase, Wells Fargo, Rocket Companies.
- Product Name 3: Life Insurance. Description: Offering term and permanent life insurance policies. Market Share Data: N/A (Hypothetical). Competitors: Prudential Financial, MetLife, Northwestern Mutual.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to significant regulatory oversight. It encompasses banking, investment management, insurance, and fintech, all of which are experiencing digital transformation and evolving customer demands.
Positioning
As a diversified financial services provider, Pineapple Financial Inc. would aim to leverage synergies across its business segments to offer integrated solutions to its clients. Its competitive advantage would depend on its ability to innovate, maintain strong customer relationships, and manage risk effectively.
Total Addressable Market (TAM)
The TAM for the financial services industry is vast, encompassing trillions of dollars globally. Pineapple Financial Inc.'s positioning within this TAM would depend on its specific product offerings and target markets. For instance, the global wealth management market alone is projected to reach over $100 trillion in assets under management in the coming years. Pineapple Financial Inc. would aim to capture a segment of this market.
Upturn SWOT Analysis
Strengths
- Diversified business model.
- Potential for cross-selling opportunities.
- Brand recognition (if established).
Weaknesses
- Lack of established track record (as hypothetical).
- Intense competition.
- Regulatory compliance costs.
Opportunities
- Growth in emerging markets.
- Digital transformation and fintech adoption.
- Demand for sustainable and ESG investing.
Threats
- Economic downturns and market volatility.
- Increasing cybersecurity risks.
- Evolving regulatory landscape.
Competitors and Market Share
Key Competitors
- JPMorgan Chase & Co. (JPM)
- Bank of America Corporation (BAC)
- Wells Fargo & Company (WFC)
- BlackRock, Inc. (BLK)
- Fidelity Investments (Private)
Competitive Landscape
Pineapple Financial Inc. would face intense competition from established financial institutions with significant market share, brand loyalty, and extensive resources. Its success would hinge on differentiating its offerings, building trust, and adapting to technological advancements.
Growth Trajectory and Initiatives
Historical Growth: N/A (Hypothetical company).
Future Projections: N/A (Hypothetical company).
Recent Initiatives: N/A (Hypothetical company).
Summary
Pineapple Financial Inc. is a hypothetical entity in the highly competitive financial services sector. Its diversified model offers potential synergies but faces challenges from established players and evolving market dynamics. Key to its success would be innovation, customer-centricity, and robust risk management to navigate regulatory hurdles and economic uncertainties.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Hypothetical company analysis.
- General financial industry data.
Disclaimers:
This analysis is based on a hypothetical company, Pineapple Financial Inc., and lacks real-world data. The provided information is for illustrative purposes only and should not be considered investment advice.
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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