PAPL (Pineapple Financial) EBIT: $-27.62 Mil (TTM As of Feb. 2026)


PAPL Pineapple Financial Inc PAPL
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! 6 Warning Signs
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What is Pineapple Financial EBIT?

Pineapple Financial PAPL +8.95% 10 EBIT is $-27.62 Mil as of Feb. 2026. GuruFocus rates PAPL with a GF Score™ of 10/100. The stock has 6 warning signs investors should review.

Pineapple Financial's earnings before interest and taxes (EBIT) for the three months ended in Feb. 2026 was $-19.13 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Feb. 2026 was $-27.62 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Pineapple Financial's annualized ROC % for the quarter that ended in Feb. 2026 was -210.32%. Pineapple Financial's annualized ROC (Joel Greenblatt) % for the quarter that ended in Feb. 2026 was -2,759.61%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Pineapple Financial's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Feb. 2026 was -110.06%.


Pineapple Financial  (AMEX:PAPL) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Pineapple Financial's annualized ROC % for the quarter that ended in Feb. 2026 is calculated as:

ROC % (Q: Feb. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Nov. 2025 ) + Invested Capital (Q: Feb. 2026 ))/ count )
=-69.808 * ( 1 - 0% )/( (21.628 + 44.754)/ 2 )
=-69.808/33.191
=-210.32 %

where

Note: The Operating Income data used here is four times the quarterly (Feb. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Pineapple Financial's annualized ROC (Joel Greenblatt) % for the quarter that ended in Feb. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Feb. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Nov. 2025  Q: Feb. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-76.524/( ( (0.551 + max(-1.729, 0)) + (0.524 + max(4.471, 0)) )/ 2 )
=-76.524/( ( 0.551 + 4.995 )/ 2 )
=-76.524/2.773
=-2,759.61 %

where Working Capital is:

Working Capital(Q: Nov. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.144 + 0 + 0.167) - (2.002 + 0.038 + 0)
=-1.729

Working Capital(Q: Feb. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(5.214 + 0 + 0.405) - (1.03 + 0.099 + 0.018999999999998)
=4.471

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Feb. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Pineapple Financial's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Feb. 2026 )
=-27.623/25.099
=-110.06 %

* 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 EBIT Related Terms


Pineapple Financial EBIT Historical Data

* Premium members only.

The historical data trend for Pineapple Financial's EBIT 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.

Pineapple Financial EBIT Chart

Pineapple Financial Annual Data
Trend Aug21 Aug22 Aug23 Aug24 Aug25
EBIT
-0.24 -2.72 -2.75 -3.79 -3.30

Pineapple Financial Quarterly Data
Aug21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.50 -0.53 -1.80 -6.17 -19.13

PAPL vs BLNE, MMCP, CNF: EBIT Comparison

For the Mortgage Finance subindustry, Pineapple Financial's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Banks Industry

For the Banks industry and Financial Services sector, Pineapple Financial's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Pineapple Financial's EV-to-EBIT falls into.


PAPL
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Pineapple Financial Inc PAPL
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Pineapple Financial EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Feb. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-27.62 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $-27.62 Mil mean?
Pineapple Financial (PAPL) has a EBIT of $-27.62 Mil as of Feb. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Pineapple Financial.
Is Pineapple Financial's EBIT too high?
Pineapple Financial's current EBIT is $-27.62 Mil. 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 EBIT compare to BLNE and MMCP?
Pineapple Financial's EBIT of $-27.62 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Banks company?
A good EBIT depends on the Banks industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Pineapple Financial. Pineapple Financial's current EBIT is $-27.62 Mil. 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 EBIT of $-27.62 Mil. The current EBIT is $-27.62 Mil. Pineapple Financial's overall GF Score™ is 10/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current EBIT is $-27.62 Mil 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 Business Description

Address 111 Gordon Baker Road, Unit 200, North York, Toronto, ON, CAN, M2H 3R1
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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EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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