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Pineapple FinancialPAPL -2.43%10 Debt-to-EBITDA is -0.26 as of Feb. 2026. GuruFocus rates PAPL with a GF Score™ of 10/100. The stock has 5 warning signs investors should review. Among 32 Banks companies, Pineapple Financial ranks worse than 3124996.88% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Pineapple Financial's Debt-to-EBITDA or its related term are showing as below:
PAPL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.46 Med: -0.55 Max: -0.33
Current: -0.73
During the past 5 years, the highest Debt-to-EBITDA Ratio of Pineapple Financial was -0.33. The lowest was -1.46. And the median was -0.55.
PAPL's Debt-to-EBITDA is ranked worse than 100% of 32
companies
in the Banks industry
Industry Median: 10.205
vs PAPL: -0.73
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Pineapple Financial Debt-to-EBITDA Related Terms
Pineapple Financial Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Pineapple Financial's Debt-to-EBITDA 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.
PAPL vs MMCP, BLNE, LFLS: Debt-to-EBITDA Comparison
For the Mortgage Finance subindustry, Pineapple Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, Pineapple Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Pineapple Financial's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Feb. 2026) EBITDA data.
Pineapple Financial (PAPL) has a Debt-to-EBITDA of -0.26 as of Feb. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Pineapple Financial. According to the industry distribution chart, Pineapple Financial ranks #999999 out of 32 companies in the Banks industry.
Is Pineapple Financial's Debt-to-EBITDA too high?
Pineapple Financial's current Debt-to-EBITDA is -0.26. Based on the distribution chart, Pineapple Financial ranks #999999 out of 32 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Debt-to-EBITDA compare to MMCP and BLNE?
According to the Banks industry distribution chart, Pineapple Financial ranks #999999 out of 32 companies for Debt-to-EBITDA. This places Pineapple Financial in the lower half of its industry. The industry median Debt-to-EBITDA is 10.21. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Banks company?
The median Debt-to-EBITDA among Banks companies is 10.21, based on 32 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Pineapple Financial. For the Banks industry, the median Debt-to-EBITDA is 10.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pineapple Financial's current Debt-to-EBITDA is -0.26. 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 Debt-to-EBITDA of -0.26. The current Debt-to-EBITDA is -0.26. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current Debt-to-EBITDA is -0.26 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.
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