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.
During the past 3 years, the average EBITDA Per Share Growth Rate was 18.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 5 years, the highest 3-Year average EBITDA Per Share Growth Rate of Pineapple Financial was 18.80% per year. The lowest was -160.40% per year. And the median was -70.80% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Pineapple Financial 3-Year EBITDA Growth Rate Related Terms
PAPL vs BLNE, CNF, MMCP: 3-Year EBITDA Growth Rate Comparison
For the Mortgage Finance subindustry, Pineapple Financial's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Pineapple Financial's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Pineapple Financial's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 18.80% mean?
Pineapple Financial (PAPL) has a 3-Year EBITDA Growth Rate of 18.80% as of May. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Pineapple Financial and its competitors. According to the industry distribution chart, Pineapple Financial ranks #15 out of 43 companies in the Banks industry, placing it in the top 34.9%.
Is Pineapple Financial's 3-Year EBITDA Growth Rate too high?
Pineapple Financial's current 3-Year EBITDA Growth Rate is 18.80%. The Banks industry median 3-Year EBITDA Growth Rate is 8.50. Pineapple Financial's value of 18.80% is 121.2% above this industry median. Based on the distribution chart, Pineapple Financial ranks #15 out of 43 companies in the Banks industry, which is above the industry midpoint. Overall, Pineapple Financial has a GF Score™ of 10/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pineapple Financial's 3-Year EBITDA Growth Rate compare to BLNE and CNF?
According to the Banks industry distribution chart, Pineapple Financial ranks #15 out of 43 companies for 3-Year EBITDA Growth Rate. This puts Pineapple Financial in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 8.50. Pineapple Financial's value of 18.80% is 121.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Banks company?
The median 3-Year EBITDA Growth Rate among Banks companies is 8.50, based on 43 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pineapple Financial's current 3-Year EBITDA Growth Rate of 18.80% is 121.2% 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Pineapple Financial and its competitors. For the Banks industry, the median 3-Year EBITDA Growth Rate is 8.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pineapple Financial's current 3-Year EBITDA Growth Rate is 18.80%. 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?
Based on GuruFocus' analysis, Pineapple Financial (PAPL) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.83, compared to a current price of $1.24 — trading 49.4% above its estimated fair value. The current 3-Year EBITDA Growth Rate is 18.80% and 121.2% above the Banks industry median of 8.50. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current 3-Year EBITDA Growth Rate is 18.80% as of May. 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.
Is Pineapple Financial (PAPL) Overvalued in 2026?
Based on GuruFocus' analysis, Pineapple Financial stock appears to be overvalued.
The current stock price of $1.24 is trading 49.4% above its estimated GF Value™ of $0.83.
GuruFocus considers Pineapple Financial to be Significantly Overvalued.
Key valuation signals for PAPL:
3-Year EBITDA Growth Rate: 18.80%
GF Value™: $0.83 vs. price of $1.24 (49.4% above fair value)
Industry Position: 121.2% above the Banks median (#15 of 43)
No single metric tells the full story. See the PAPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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
3-Year EBITDA Growth Rate 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 
