Pineapple Financial (PAPL) Stock Price, News & Analysis

Company Overview

Pineapple Financial Group, Inc. (NYSE American: PAPL) is a fintech company offering a digital platform for small business financing. Leveraging proprietary automation and artificial intelligence, the firm delivers working capital solutions such as accounts receivable financing, invoice factoring, merchant cash advances and purchase order financing. Its user-friendly interface streamlines application, underwriting and funding processes, enabling faster access to liquidity for businesses that may be underserved by traditional lenders.

Headquartered in Phoenix, Arizona, Pineapple Financial was founded in 2021 and has rapidly expanded its footprint across the United States, with service extensions into Canada. The company’s cloud-based ecosystem integrates borrower onboarding, credit evaluation and portfolio monitoring, allowing small and medium-sized enterprises to manage cash flow and plan growth endeavors more effectively. Beyond financing, Pineapple Financial provides educational resources and analytics tools that help clients enhance operational efficiency and strategic decision making.

Pineapple Financial pursues a growth strategy that combines in-house technology development with targeted acquisitions of complementary lending businesses. Through partnerships with accounting software providers, payment processors and industry associations, the company has built a broad referral network that supports a seamless end-to-end financing experience. Its solutions cater to diverse sectors including manufacturing, transportation, staffing and professional services, addressing each industry’s unique working capital requirements.

The executive team at Pineapple Financial brings together seasoned professionals from banking, fintech and capital markets backgrounds. Guided by an experienced leadership group, the company emphasizes robust risk management, regulatory compliance and customer-centric service. By harnessing digital innovation and strategic partnerships, Pineapple Financial aims to redefine small business lending and empower its clients with the financial tools needed for sustainable growth.

Key Stats

• Today's Range: $0.09 to $0.09
• 50-Day Range: $0.09 to $0.09
• 52-Week Range: $0.07 to $1.31
• Volume: N/A
• Average Volume: 409,191 shs
• Market Capitalization: $753.26 thousand
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $5.00
• Consensus Rating: Buy

Pineapple Financial Stock Analysis - MarketRank™

Pineapple Financial scored higher than 42% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

Pineapple Financial has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Pineapple Financial has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Pineapple Financial is -0.16, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pineapple Financial is -0.16, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Pineapple Financial has a P/B Ratio of 0.45. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for PAPL.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Pineapple Financial does not currently pay a dividend.

Dividend Growth

Pineapple Financial does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Short Interest

There is no current short interest data available for PAPL.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for Pineapple Financial this week, compared to 0 articles on an average week.

Search Interest

Only 1 people have searched for PAPL on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Pineapple Financial insiders have bought more of their company's stock than they have sold. Specifically, they have bought $11,850.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

44.90% of the stock of Pineapple Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 0.25% of the stock of Pineapple Financial is held by institutions.

PAPL Stock Analysis - Frequently Asked Questions

How have PAPL shares performed this year?

Pineapple Financial's stock was trading at $0.5199 at the beginning of 2025. Since then, PAPL stock has decreased by 83.6% and is now trading at $0.0855.

How do I buy shares of Pineapple Financial?

Shares of PAPL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Pineapple Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pineapple Financial investors own include Williams-Sonoma (WSM), Joby Aviation (JOBY), EHang (EH) and Axcella Health (AXLA).

Company Calendar

• Today: 7/18/2025
• Fiscal Year End: 8/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSEAMERICAN
• Sector: Finance
• Industry: Nondepository credit institutions
• Sub-Industry: Banking
• Current Symbol: NYSEAMERICAN:PAPL
• CIK: 1938109
• Web: gopineapple.com
• Phone: 416-669-2046
• Fax: N/A
• Employees: 55
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Pineapple Financial: $5.00
• High Price Target: $5.00
• Low Price Target: $5.00
• Potential Upside/Downside: +5,748.0%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.55)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$4.10 million
• Net Margins: -129.35%
• Pretax Margin: -128.52%
• Return on Equity: -207.36%
• Return on Assets: -85.80%

Debt

• Debt-to-Equity Ratio: 0.65
• Current Ratio: 0.54
• Quick Ratio: 0.54

Sales & Book Value

• Annual Sales: $2.69 million
• Price / Sales: 0.28
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $0.19 per share
• Price / Book: 0.45

Miscellaneous

• Outstanding Shares: 8,810,000
• Free Float: 4,853,000
• Market Cap: $753.26 thousand
• Optionable: Not Optionable
• Beta: -0.49