Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Pineapple FinancialPAPL -1.90%10 Cash Ratio is 0.88 as of Feb. 2026, which is at its 10-year median of 0.88. GuruFocus rates PAPL with a GF Score™ of 10/100. The stock has 5 warning signs investors should review. Among 44 Banks companies, Pineapple Financial ranks better than 50% on this metric.
Pineapple Financial has a Cash Ratio of 0.88. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Pineapple Financial's Cash Ratio or its related term are showing as below:
PAPL'
s Cash Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.88 Max: 15.58
Current: 0.88
During the past 5 years, Pineapple Financial's highest Cash Ratio was 15.58. The lowest was 0.10. And the median was 0.88.
PAPL's Cash Ratio is ranked better than 50% of 44
companies
in the Banks industry
Industry Median: 0.78
vs PAPL: 0.88
Pineapple Financial (AMEX:PAPL) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Pineapple Financial Cash Ratio Related Terms
Pineapple Financial Cash Ratio Historical Data
* Premium members only.
The historical data trend for Pineapple Financial's Cash Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Mortgage Finance subindustry, Pineapple Financial's Cash Ratio, along with its competitors' market caps and Cash Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pineapple Financial Cash Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Pineapple Financial's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Pineapple Financial's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Pineapple Financial (PAPL) has a Cash Ratio of 0.88 as of Feb. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Pineapple Financial and its competitors. This is near median its historical median of 0.88. Over the past decade, Pineapple Financial's Cash Ratio has ranged from 0.10 to 15.58. According to the industry distribution chart, Pineapple Financial ranks #22 out of 44 companies in the Banks industry, placing it in the top 50%.
Is Pineapple Financial's Cash Ratio too high?
Pineapple Financial's current Cash Ratio of 0.88 is near median its 10-year median of 0.88. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 15.58. The Banks industry median Cash Ratio is 0.78. Pineapple Financial's value of 0.88 is 12.8% above this industry median. Based on the distribution chart, Pineapple Financial ranks #22 out of 44 companies in the Banks industry, which is above the industry midpoint. Overall, Pineapple Financial has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does Pineapple Financial's Cash Ratio compare to MMCP and BLNE?
According to the Banks industry distribution chart, Pineapple Financial ranks #22 out of 44 companies for Cash Ratio. This puts Pineapple Financial in the upper half of its industry. The industry median Cash Ratio is 0.78. Pineapple Financial's value of 0.88 is 12.8% above this benchmark. Historically, Pineapple Financial's own Cash Ratio has ranged from 0.10 to 15.58 over the past decade. While the company's 10-year median is 0.88 vs. the industry median of 0.78, Pineapple Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Banks company?
The median Cash Ratio among Banks companies is 0.78, based on 44 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pineapple Financial's current Cash Ratio of 0.88 is 12.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Pineapple Financial and its competitors. For the Banks industry, the median Cash Ratio is 0.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pineapple Financial's current Cash Ratio is 0.88, which is near median its own 10-year median of 0.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pineapple Financial stock overvalued right now?
Pineapple Financial (PAPL) has a current Cash Ratio of 0.88. The current Cash Ratio is 0.88, which is near median its 10-year median of 0.88 and 12.8% above the Banks industry median of 0.78. Pineapple Financial's overall GF Score™ is 10/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current Cash Ratio is 0.88 as of Feb. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Pineapple Financial Inc is a Canada-based mortgage technology and brokerage company that provides mortgage brokerage services and technology solutions to Canadian mortgage agents, brokers, sub-brokers, brokerages, and consumers. Through its data-driven systems together with cloud-based tools, it offers advantages in the Canadian mortgage industry relative to alternative mortgage broker arrangements and also provides back office services.
10GF Score
Get the complete analysis for PAPL
Cash Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PAPL has been successfully added to your 
