Pineapple Financial Inc. announced a director or officer change; made a public disclosure; disclosed a material event
SEC 8-KRead source ↗
Pineapple Financial Inc. is a US-listed company in the diversified financial services industry. Its financial year ends in August.
The Fundamentalytics view
Current signal Results well ahead of expectations: Reported earnings per share beat the analysts' consensus estimate by 32% in the quarter to 2025-05-31.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
Latest results
- Earnings per share
- -$1.36 against an average estimate of -$2.00: beat by 31.8%
Price chart
- 1 day-2.9%
- 1 week-16.4%
- 1 month-22.1%
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Third-party market data · may be delayed
At a glance
News & updates
Company announcements, filed results and changes that matter to shareholders.
- Leadership
No model value for Pineapple Financial Inc. at the moment. Current status: limited reported history: available models are shown without a Buy/Hold/Sell rating. Available reported financials are shown below.
Valuation models
We value Pineapple Financial Inc. as an asset manager, broker or exchange, with every model that fits that kind of business. Cost of equity 8.7%: the 10-year Treasury yield (4.9%) plus a beta of 0.83 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | — | Does not apply: no twelve-month earnings or share count in the filings yet |
| Combined value Weighted average of the models that apply: the primary model (price-to-earnings vs peers) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. | — | No model applies: the filings don’t yet support a value. |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Pineapple Financial Inc. with asset managers, brokers and exchanges in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Moat
Not assessed: fewer than five years of comparable figures in the filings. AI disruption exposure for this industry: Medium.
Forecasts and guidance
Analysts' consensus
No analyst estimates are published for Pineapple Financial Inc.: too few analysts cover it.
Earnings against estimates
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| May 2025 | −$2.00 | −$1.36 | +31.8% |
| Feb 2025 | −$1.20 | −$1.74 | −44.8% |
| Nov 2024 | −$1.60 | −$1.93 | −20.4% |
Adjusted EPS as companies report it, against the average analyst estimate.
Positioning
- Short interest
- 0.8% of tradable shares
- Days to cover
- 0.78 at average volume
- Short interest, 1 month
- −24% to September 30, 2026
- Held by institutions
- 1% of shares
- Held by insiders
- 71.6% of shares
- Employees
- 39 full time
Share-price performance
Market data may be delayedPrice behaviour
- 52-week range
- Not enough history
- From 52-week high
- —
- vs 50-day average
- −22.5%
- vs 200-day average
- —
- Volatility (1 year)
- —
- Beta vs S&P 500
- —
Fundamentals
Where the revenue comes from
| Line of business | Revenue | YoY |
|---|---|---|
| Subscription Revenue | $750,042 | ▲ 1.5% |
| Sponsorship Revenue | $220,923 | ▲ 105.1% |
| Insurance | $197,852 | — |
| Underwriting Revenue | $125,828 | ▼ 18.2% |
| Other Revenue | $87,535 | ▼ 72.7% |
These categories overlap or exclude eliminations, so shares aren't shown.
From Pineapple Financial Inc.'s 10-K filed December 3, 2025, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.
Who owns it
- Reported value
- $160,879
- Institutions reporting
- 7
- Shares held vs prior quarter
- ▲ 83.7%
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Xtx Topco Ltd | $50,437 | 50K | 31.4% | ▲ 108.2% |
| Citadel Advisors LLC | $46,629 | 46K | 29.0% | New |
| Stonex Group Inc. | $32,587 | 23K | 20.3% | New |
| Jane Street Group, LLC | $20,935 | 21K | 13.0% | New |
| UBS Group AG | $8,416 | 8K | 5.2% | ▲ 84.5% |
| TD Waterhouse Canada Inc. | $1,331 | 1K | 0.8% | 0.0% |
| Morgan Stanley | $544 | 1K | 0.3% | 0.0% |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Pineapple Financial Inc.'s complete shareholder register. Values are as reported by the filers .
Insider trading activity
Full insider history and chart Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $0 0 trades by 0 insiders
Net ▲ $0 net buying
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Earnings dates and SEC filings
Results announcements
Recent SEC filings
- 8-K Current report
- 10-Q Quarterly report
- 8-K Current report
- 8-K Current report
- 10-Q Quarterly report
- 8-K Current report
- 8-K Current report
- DEF 14A Proxy statement
Data status
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
Pineapple Financial Inc. in brief
- What does Pineapple Financial Inc. do?
- Pineapple Financial Inc. is a US-listed company in the diversified financial services industry. Its financial year ends in August.
- What is Pineapple Financial Inc.'s stock ticker?
- Pineapple Financial Inc. trades under the ticker PAPL on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
- Who are Pineapple Financial Inc.'s largest institutional shareholders?
- By value reported in 13F filings for June 30, 2026, the largest reported holders are Xtx Topco Ltd, Citadel Advisors LLC and Stonex Group Inc. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
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