OakChart

Pineapple Financial Inc

PTIVFinancial·Mortgage Finance·Canada·Nano·AMEX·Nov 11 • 3:45 PM ET

0.7354+0.0250 (3.52%)
2026-11-11 23:30 CET
Market cap
18.14 USD m
Revenue, TTM
16.04 USD m
Net income, TTM
-2.51 USD m
Free cash flow, TTM
-5.13 USD m
EPS diluted, TTM
-6.37
P/E
-
Compare

Price

PTIV against its 20, 50 and 200-day averages
2050200earnings
0.501.001.502.002.503.9M7.8MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26PTIVclose 0.7420-day 0.8450-day 0.89200-day 0.910.7452w low

84.6% under the 52-week high of 4.77 on 10 Dec 2025. 52-week low 0.54 on 31 Mar 2026. Last 15 sessions, 40.0% high to low

Volume 0.44× normal · the line is the 50-bar volume average

Profile

PTIV
52-week range, 5% of the way up
0.544.77

Pineapple Financial, Inc. is a Canadian based mortgage technology and brokerage company, which engages in the mortgage brokerage services and technology solutions to Canadian mortgage agents, brokers, sub-brokers, brokerages, and consumers. It also provides back-office services, together with pre-underwriting support services. The company was founded by Shubha Dasgupta, Kendall Marin, and Charles Andrew Green on October 16, 2015 and is headquartered in North York, Canada.

Employees39
IPONov 01, 2023
Beta5.56
ATR, 14d0.08
Rel volume0.44
Short float1.17%
Inst own0.55%

Snapshot

6 groups

Valuation

Index-
Market Cap18.58M
Enterprise Value30.11M
Income-2.51M
Sales16.04M
Book/sh2.02
Cash/sh0.42
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout-
Employees39
IPONov 01, 2023

Ratios

P/E-
Forward P/E-
PEG-
P/S1.16
P/B0.36
P/C1.77
P/FCF-
EV/EBITDA24.68
EV/Sales1.88
Quick Ratio1.00
Current Ratio1.00
Debt/Eq0.43
LT Debt/Eq0.01
Option/ShortNo / Yes

Earnings

EPS (ttm)-6.37
EPS next Y-
EPS next Q-
EPS this Y-
EPS next Y-
EPS next 5Y-
EPS past 3/5Y9.76% -
Sales past 3/5Y-2.63% 39.06%
EPS Y/Y TTM21.69%
Sales Y/Y TTM-17.27%
EPS Q/Q212.50%
Sales Q/Q-31.65%
EarningsJul 20 AMC
EPS/Sales Surpr.340.41% -

Ownership

Insider Own-
Insider Trans-
Inst Own0.55%
Inst Trans8.32%
ROA-6.22%
ROE-9.55%
ROIC-4.81%
Gross Margin11.28%
Oper. Margin1.55%
Profit Margin-15.62%
SMA20-12.64%
SMA50-17.66%
SMA200-19.45%
Trades-

Technical

Shs Outstand25.53M
Shs Float8.28M
Short Float1.17%
Short Ratio1.03
Short Interest0.10M
52W High4.77 -84.58%
52W Low0.54 36.19%
Volatility9.38% 11.50%
ATR (14)0.08
RSI (14)39.81
Beta5.56
Rel Volume0.44
Avg Volume93.83K
Volume40,969

Performance

Perf Week-1.68%
Perf Month-24.95%
Perf Quarter-31.27%
Perf Half Y-44.29%
Perf YTD-47.84%
Perf Year-77.51%
Perf 3Y-98.08%
Perf 5Y-
Perf 10Y-
Recom1.00
Target Price5.00
Prev Close0.71
Price0.74
Change %3.52%

Peers

Mkt cap
TickerCompanyMkt cap
BLNEBeeline Holdings Inc21.71M
BETRBetter Home & Finance Holding Co291.57M
UWMCUWM Holdings Corp2.19B
LDILoanDepot Inc159.68M
RKTRocket Companies Inc40.98B
ONITOnity Group Inc230.73M
PFSIPennyMac Financial Services Inc3.24B
VELVelocity Financial Inc644.23M
FTHMFathom Holdings Inc4.99M
COMPCompass Inc7.88B

News

latest 14 of 29
  • Pentiv Launches Intelligence Platform for Mortgage Agents and Brokerages (Business Wire) +5.95%
  • Pineapple Financial Reports $25.3 Million in Third-Quarter Net Income as Company Enters Its Next Stage of Growth (Newsfile Corp.) -13.37%
  • Pineapple Financial Provides Update on Share Repurchase Program and Digital Asset Treasury (Newsfile Corp.)
  • Pineapple Financial Announces Initial Impact of AI-Powered Mortgage Agent Recruiting and Onboarding Initiatives (Newsfile Corp.) -5.26%
  • Pineapple Financial to Participate in Upcoming May Investor and Industry Conferences (Newsfile Corp.) -18.33%
  • Pineapple Financial Announces Expanded $15 Million Share Repurchase Program (Newsfile Corp.) +44.90%
  • Pineapple Financial Reports Fiscal Q2 2026 Financial Results and Provides Digital Asset Treasury Update (Newsfile Corp.)
  • Pineapple Financial to Host Fireside Chat to Discuss Q2 2026 Earnings and Strategic Outlook (Newsfile Corp.) -5.96%
  • Pineapple Financial Deepens Strategic Relationship with Canary Capital (Newsfile Corp.)
  • Pineapple Financial Receives Audit Opinion with Going Concern Explanation (Newsfile Corp.) -5.00%
  • Pineapple Financial Engages Monarq Asset Management to Lead Its Digital Asset Treasury Yield Strategy (Newsfile Corp.)
  • Pineapple Financial Authorizes $3 Million Share Repurchase Program (Newsfile Corp.) -5.65%
  • Pineapple Financial Announces Operational Transformation Strategy and AI-Empowered Sales Expansion; Initiatives Include Reduction in Annualized Costs by More Than $2.5 Million and Launch of AI-Powered Agent Growth Platform (Newsfile Corp.)
  • EXCLUSIVE: Pineapple Financial Plans AI Push In Restructuring To Boost Growth, $2.5 Million Cost Cuts (Benzinga)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-07-200.990-0.412-0.4120.62-1
2026Q22026-04-13-1.210-0.404-1.2050.71-1
2026Q12026-01-20-0.396-0.396-4.7870.70-1
2025Q42025-12-03-5.050--1.3610.74--
2025Q32025-07-14-18.600-2.000-0.8770.750.801
2026Q4---0.012---1
2027Q1--0.018---1
2027Q2--0.019---1
2027Q3--0.019---1
2027Q4--0.020---1
2028Q1--0.068---1
2028Q2--0.070---1
2028Q3--0.071---1
2028Q4--0.075---1

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2024FY-11.400--11.4822.69-
2025FY-5.310--5.3102.99-
2026FY--0.310--4.00
2027FY-0.020--7.00
2028FY-0.070--12.00
2029FY-0.130--19.00
2030FY-0.200--28.00

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4R2026-07-21100-0.01-0.01-0.01
2026Q4R2026-05-20100-0.01-0.01-0.01
2026Q4R2026-01-21100-0.01-0.01-0.01
2026Q4R2025-12-04100-0.01-0.01-0.01
2026Q4E2026-07-21100-0.01-0.01-0.01
2026Q4E2026-05-20100-0.01-0.01-0.01
2026Q4E2026-01-21100-0.01-0.01-0.01
2026Q4E2025-12-04100-0.01-0.01-0.01
2026Q3R2026-05-20100-0.41-0.41-0.41
2026Q3R2026-01-21100-0.41-0.41-0.41
2026Q3R2025-12-04100-0.41-0.41-0.41
2026Q3E2026-05-20100-0.41-0.41-0.41
2026Q3E2026-01-21100-0.41-0.41-0.41
2026Q3E2025-12-04100-0.41-0.41-0.41

Estimate history

EPS, annual0.505-0.621-7.437-7.822-11.482-5.465-6.3654
Period202020212022202320242025TTM
EPS, quarterly-2.363-4.091-1.839-1.319-0.877-1.361-4.787-1.2050.987
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual3.61716.11920.38116.43417.58518.81316.04
Period202020212022202320242025TTM
Sales, quarterly4.4535.1574.7584.5654.9054.5854.4433.6563.353
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual0.3780.3780.3780.3590.4211.34125.534
Period202020212022202320242025MRQ
Shares, quarterly0.3590.4210.440.4851.0051.3411.34626.08925.534
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY
Total Revenue16.0418.8117.5816.4320.3816.123.62
Total Expenses15.7922.1021.2719.7523.0416.353.39
Operating Income0.25-3.29-3.69-3.32-2.65-0.230.23
Unusual Expense0.000.000.160.030.000.000.00
Net Income Before Taxes-2.51-3.64-4.10-2.81-2.81-0.260.21
Income Taxes0.000.000.000.000.00-0.030.02
Consolidated Net Income-2.51-3.64-4.10-2.81-2.81-0.230.19
Net Income From Continuing Operations-2.51-3.64-4.10-2.81-2.81-0.230.19
Net Income-2.51-3.64-4.10-2.81-2.81-0.230.19
EPS (Recurring)-0.10-5.46-11.18-7.77-7.44-0.620.51
EPS (Basic, Before Extraordinaries)-6.36-5.46-11.48-7.82-7.44-0.620.51
EPS (Diluted)-6.37-5.46-11.48-7.82-7.44-0.620.51
Non-Operating Income (Expense)1.180.150.060.59-0.06-0.00-0.01
Other After Tax Adjustments0.000.000.000.000.000.000.00
Stock Option Compensation Expense-0.240.000.030.610.420.00
Price To Sales Ratio1.710.140.36----
Gross Margin11.2811.2910.5212.5416.4118.1742.83
Operating Margin1.55-17.47-20.98-20.18-13.03-1.456.35
Net Margin-15.62-19.34-23.33-17.09-13.79-1.465.28
Shares Outstanding25.531.340.420.360.380.380.38
Market Capitalization18.1418.144.04----

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue3.353.664.444.584.914.564.765.16
Total Expenses-21.5820.2410.676.465.285.085.276.32
Operating Income24.93-16.58-6.23-1.87-0.38-0.52-0.51-1.16
Unusual Expense0.000.000.000.000.000.000.000.16
Net Income Before Taxes25.25-19.50-6.44-1.82-0.56-0.60-0.66-1.72
Income Taxes0.000.000.000.000.000.000.000.00
Consolidated Net Income25.25-19.50-6.44-1.82-0.56-0.60-0.66-1.72
Net Income From Continuing Operations25.25-19.50-6.44-1.82-0.56-0.60-0.66-1.72
Net Income25.25-19.50-6.44-1.82-0.56-0.60-0.66-1.72
EPS (Recurring)0.99-1.21-4.79-1.36-0.88-1.32-1.84-3.83
EPS (Basic, Before Extraordinaries)0.99-1.21-4.79-1.36-0.88-1.32-1.84-4.09
EPS (Diluted)0.99-1.21-4.79-1.36-0.88-1.32-1.84-4.09
Non-Operating Income (Expense)0.770.280.060.080.020.020.03-0.13
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense-0.14-----0.00
Price To Sales Ratio1.710.640.250.290.030.180.200.42
Gross Margin9.9412.6411.2311.2210.7510.9812.208.03
Operating Margin743.54-453.47-140.12-40.90-7.70-11.30-10.82-22.59
Net Margin753.07-533.20-144.84-39.79-11.37-13.04-13.81-33.42
Shares Outstanding25.5326.091.351.341.000.480.440.42
Market Capitalization18.140.943.464.044.04---

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY
Cash & Short Term Investments2.120.580.723.907.010.38
Short Term Receivables0.090.160.760.100.070.01
Investment Securities0.000.000.000.000.000.00
Securities In Custody0.000.000.000.000.000.00
Investments0.010.010.010.040.040.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment0.590.981.201.200.320.02
Other Intangible Assets2.612.371.941.190.150.00
Total Assets5.424.104.636.437.580.40
Total Debt1.330.981.541.020.260.01
Long Term Debt0.560.820.971.020.210.00
Provision for Risks Charges0.000.000.000.000.000.00
Other Liabilities3.181.771.300.780.400.19
Total Liabilities4.512.752.841.800.660.20
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity0.911.351.794.636.920.20
Total Shareholders Equity0.911.351.794.636.920.20
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity0.911.351.794.636.920.20
Total Liabilities & Stockholders Equity5.424.104.636.437.580.40
Book Value Per Share0.683.204.9712.2418.310.54
Tangible Book Value Per Share-1.19-2.050.1910.3918.310.54
Full-Time Employees395555555555
Price to Book Ratio0.354.79----
Return on Assets-76.49-94.04-50.81-40.12-5.88-
Return on Equity-322.56-261.71-87.61-48.68-6.59-
Return on Invested Capital-247.89-189.51-101.94-49.78-3.2993.43
Quick Ratio0.770.641.455.7316.071.94
Current Ratio0.770.641.455.7316.071.94

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY
Funds from Operations-3.95-1.83-2.80-2.25-1.840.660.23
Extraordinary Item0.000.000.000.000.000.000.00
Changes in Working Capital-1.180.881.090.140.010.01-0.01
Income Taxes Payable----0.00-0.020.02
Cash from Operating Activities-5.13-0.95-1.71-2.12-1.830.670.22
Capital Expenditures-15.34-0.94-1.12-1.36-1.05-0.060.00
Net Assets From Acquisitions0.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.000.00-0.040.00
Purchase of Investments0.000.000.000.000.00-0.040.00
Sale Or Maturity of Investments0.000.000.000.000.000.000.00
Other Uses0.000.000.000.000.000.000.00
Other Sources0.350.000.000.000.000.000.00
Cash from Investing Activities-26.99-0.94-1.12-1.36-1.05-0.100.00
Cash Dividends Paid0.000.000.000.000.000.000.00
Change in Capital Stock20.943.032.750.000.006.326E-06
Repurchase of Common Pref Stock-1.15-0.490.000.000.000.000.00
Sale of Common Pref Stock22.093.522.750.000.006.326E-06
Proceedsfrom Stock Options22.073.522.750.000.006.326E-06
Issuance or Reduction of Debt, Net20.830.63-0.130.430.000.000.00
Change in Long Term Debt----0.000.000.00
Reduction of Long Term Debt----0.000.000.00
Net Financing Active Other Cash Flow0.000.000.490.000.000.00-0.00
Other Financing Activities Uses0.000.000.000.000.000.00-0.00
Cash from Financing Activities41.583.452.910.35-0.066.27-0.03
Exchange Rate Effect-0.08-0.02-0.23-0.05-0.17-0.200.01
Net Change in Cash9.381.54-0.14-3.18-3.116.640.19
Free Cash Flow-5.13-0.95-1.71-2.18-2.080.610.22
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments10.5117.901.482.121.130.49
Short Term Receivables12.455.210.140.090.180.18
Investments0.010.010.010.010.010.01
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment0.480.520.550.590.740.76
Other Intangible Assets52.4025.238.442.612.642.52
Total Assets75.8548.8710.635.424.703.96
Total Debt22.0419.6213.281.331.471.43
Long Term Debt0.460.500.520.560.670.68
Provision for Risks Charges0.000.000.000.000.000.00
Other Liabilities2.192.162.843.182.391.79
Total Liabilities24.2321.7716.124.513.863.22
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity51.6227.10-5.490.910.840.74
Total Shareholders Equity51.6227.10-5.490.910.840.74
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity51.6227.10-5.490.910.840.74
Total Liabilities & Stockholders Equity75.8548.8710.635.424.703.96
Book Value Per Share2.021.04-4.080.680.841.53
Tangible Book Value Per Share-0.010.08-10.23-1.19-1.70-3.27
Full-Time Employees---39--
Price to Book Ratio0.35-0.174.104.794.79-
Return on Assets-6.22-107.17-127.51-76.40-78.41-80.20
Return on Equity-9.55-203.41--322.20-244.52-207.38
Return on Invested Capital48.49-70.64--124.29-36.81-41.94
Quick Ratio1.001.150.120.770.580.41
Current Ratio1.001.150.120.770.580.41

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations-0.57-2.18-0.15-1.040.04-0.34
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-0.28-1.09-0.340.540.350.16
Cash from Operating Activities-0.86-3.27-0.49-0.510.40-0.17
Capital Expenditures-0.91-2.19-12.11-0.13-0.27-0.26
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.000.000.00
Purchase of Investments0.000.000.000.000.000.00
Sale Or Maturity of Investments0.000.000.000.000.000.00
Other Uses0.000.000.000.000.000.00
Other Sources0.350.000.000.000.000.00
Cash from Investing Activities-7.57-7.19-12.11-0.13-0.27-0.26
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-0.6619.920.011.670.630.00
Repurchase of Common Pref Stock-0.660.000.00-0.490.000.00
Sale of Common Pref Stock4E-0619.920.012.160.630.00
Proceedsfrom Stock Options-0.0219.920.012.160.630.00
Issuance or Reduction of Debt, Net2.476.3811.98-0.000.030.09
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.00
Cash from Financing Activities1.7726.2511.951.610.610.04
Exchange Rate Effect-0.720.630.000.01-0.090.27
Net Change in Cash-7.3816.42-0.640.980.64-0.13
Free Cash Flow-0.86-3.27-0.49-0.510.40-0.17

Revenue breakdown

Finance Services2024: 2.69M 2025: 2.99M
Canada2024: 2.69M 2025: 2.99M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.17%0.1M8.3M94.95K
2026-10-151.36%0.1M8.3M327.24K
2026-09-300.87%0.1M8.3M309.69K
2026-09-151.32%0.1M8.3M303.50K
2026-08-311.15%0.1M8.3M310.52K
2026-08-141.70%0.1M8.3M330.57K
2026-07-312.58%0.2M8.3M436.52K
2026-07-151.84%0.2M8.3M3.64M
2026-06-301.91%0.2M8.3M3.59M
2026-06-152.64%0.2M8.3M3.54M
2026-05-293.20%0.3M8.3M3.69M
2026-05-153.66%0.3M8.3M3.69M
2026-04-3014.98%1.2M8.3M3.66M
2026-04-150.69%0.1M8.3M1.24M
2026-03-31-0.1M-1.72M
2026-03-13-0.6M-1.71M
2026-02-27-0.2M-1.62M
2026-02-13-0.3M-1.60M
2026-01-30-0.1M-1.57M
2026-01-15-0.1M-558.86K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-10-158-KCurrent report2026-10-09SEC
2026-07-2010-QQuarterly report pursuant to Section 13 or 15(d)2026-05-31SEC
2026-07-15NT 10-Q2026-05-31SEC
2026-06-038-KCurrent report2026-05-31SEC
2026-04-228-KCurrent report2026-04-22SEC
2026-04-1310-QQuarterly report pursuant to Section 13 or 15(d)2026-02-28SEC
2026-04-133Initial statement of beneficial ownership of securities2026-01-06SEC
2026-03-188-KCurrent report2026-03-13SEC
2026-02-108-KCurrent report2026-02-05SEC
2026-02-06DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-02-05SEC
2026-01-21S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-01-2110-QQuarterly report pursuant to Section 13 or 15(d)2025-11-30SEC
2026-01-15NT 10-Q2025-11-30SEC
2026-01-05SCHEDULE 13DSEC
2026-01-053Initial statement of beneficial ownership of securities2025-12-30SEC
2025-12-30EFFECTEffectiveness filing by commission orderSEC
2025-12-298-KCurrent report2025-12-18SEC
2025-12-23CORRESPSEC
2025-12-22CORRESPSEC
2025-12-18CORRESPSEC
2025-12-1210-K/A2025-08-31SEC
2025-12-098-KCurrent report2025-12-03SEC
2025-12-0310-KAnnual report pursuant to Section 13 or 15(d)2025-08-31SEC
2025-12-01NT 10-K2025-08-31SEC
2025-11-128-KCurrent report2025-11-07SEC
2025-11-048-KCurrent report2025-10-31SEC
2025-10-068-KCurrent report2025-09-30SEC
2025-09-30DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342025-09-29SEC
2025-09-29CORRESPSEC
2025-09-29PRER14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
XTX Topco Ltd0.20%
CITADEL ADVISORS LLC0.18%
JANE STREET GROUP, LLC0.08%
StoneX Group Inc.0.06%
UBS Group AG0.02%
TD Waterhouse Canada Inc.0.01%
MORGAN STANLEY0.00%

Funds

Fund% owned
-

OakChart. PTIV. Cached 15 minutes.

Some panels did not load: ratings, insider.