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Pineapple Financial Inc. stock analysis PTIV.US

Pineapple Financial Inc is a Canadian company that primarily operates as a mortgage brokerage and technology provider. It supplies services for mortgage agents, brokers, sub-brokers, and brokerages, helping them connect with lenders and clients to offer mortgage products. Its core offerings include mortgage consultation, advice on mortgage options, digital and automated onboarding, document collection, loan packaging, loan maintenance, and tools such as the MyPineapple platform to assist in delivering a more streamlined mortgage process.

Beyond its core brokerage services, Pineapple Financial encompasses insurance product offerings, including whole life, permanent life, critical illness, and credit insurance, as well as pre-underwriting support functions like credit review, data validation, fraud analysis, appraisal ordering, and compliance services. The company also develops internally generated software which is capitalized as intangible assets, demonstrating a focus on technological infrastructure.

The company is headquartered in North York, Ontario, Canada and operates predominantly within the Canadian mortgage market. It serves both individual homebuyers and homeowner clients and the mortgage brokerage industry. It is incorporated under Canadian law, uses digital tools and cloud-based systems in its operations, and is publicly listed on the NYSE American exchange under its ticker.

Financial Services · Banks · Mortgage Finance · Canada
Quality
Quality
Momentum
Momentum
Strength
Strength
Entry
Entry: Not yet
A classic falling-knife setup. Price is below SMA 20 and the moving averages are declining. Early bounces inside downtrends often fade. Wait for price to reclaim SMA 20 and for the slopes to stop falling before considering an entry.
Trend
Trend: Watch close
Price has closed below SMA 20. The short-term trend has weakened, though nothing more serious has triggered yet. Watch closely for follow-through toward SMA 50.
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Years
Lower P/E (Bear)
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Fair Value
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Upper P/E (Bull)
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Analysts
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Price: Financials: Q3 FY2026 / FY2025TTM presentEstimates: UnavailableScored as: Standard companyEvidence: IncompleteDetails

Freshness

  • Price through:
  • Latest annual period: FY2025 (); filed
  • Latest interim period: Q3 FY2026 (); filed
  • TTM period: ; used by: Quality, Strength
  • No future Diluted EPS estimate is available.
  • Target price: , 1 analyst

Scoring profile

Effective scoring profile: Standard company

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Score evidence

Quality: Unavailable; Not enough evidence; TTM used
Business Momentum: Score calculated; Good confidence; TTM not used
Strength: Score calculated; Limited confidence; TTM used
  • Quality score unavailable because the required anchor metric is missing. Missing: Return on Capital.
  • Limited confidence for Strength by model design: some checks rest on only three or four full fiscal years; diluted EPS stood in for normalized EPS.

Sources and adjustments

Remaining score inputs are provider supplied.

  • Debt to operating cash flow: derived by Findx
  • Net debt to EBITDA: derived by Findx

Key stock metrics

Blended P/E  :
P/E (last full year) :
N/A
N/A
Blended EPS  :
USD N/A
Blended EPS Yield  :
N/A
Dividend Yield :
(Trailing 12 months)
0.00%
Buyback Yield :
(Trailing 12 months)
-103.71%
Market Cap:USD 21.99 M
EUR 19.66 M

Valuation basis

Analyst price target
How this valuation works
Yearly EPS growth  :
( years incl. estimates)
N/A

P/E Values

Upper P/E:
Fair Value P/E  :
Lower P/E:
Market P/E  :
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EPS Estimates

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N/A
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N/A
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N/A

About Pineapple Financial Inc.

Description, revenue sources, strengths and weaknesses

DESCRIPTION

Pineapple Financial Inc is a Canadian company that primarily operates as a mortgage brokerage and technology provider. It supplies services for mortgage agents, brokers, sub-brokers, and brokerages, helping them connect with lenders and clients to offer mortgage products. Its core offerings include mortgage consultation, advice on mortgage options, digital and automated onboarding, document collection, loan packaging, loan maintenance, and tools such as the MyPineapple platform to assist in delivering a more streamlined mortgage process.

Beyond its core brokerage services, Pineapple Financial encompasses insurance product offerings, including whole life, permanent life, critical illness, and credit insurance, as well as pre-underwriting support functions like credit review, data validation, fraud analysis, appraisal ordering, and compliance services. The company also develops internally generated software which is capitalized as intangible assets, demonstrating a focus on technological infrastructure.

The company is headquartered in North York, Ontario, Canada and operates predominantly within the Canadian mortgage market. It serves both individual homebuyers and homeowner clients and the mortgage brokerage industry. It is incorporated under Canadian law, uses digital tools and cloud-based systems in its operations, and is publicly listed on the NYSE American exchange under its ticker.

ADDITIONAL INFO

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Fair Value is an estimate, and you choose the basis it is built on. Do not invest based on our default without understanding how we calculate it.