PAPL (Pineapple Financial) Effective Interest Rate on Debt %: 8.88% (As of Feb. 2026)


PAPL Pineapple Financial Inc PAPL
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What is Pineapple Financial Effective Interest Rate on Debt %?

Pineapple Financial PAPL -2.98% 10 Effective Interest Rate on Debt % is 8.88% as of Feb. 2026. GuruFocus rates PAPL with a GF Score™ of 10/100. The stock has 5 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Pineapple Financial's annualized positive value of Interest Expense for the quarter that ended in Feb. 2026 was $1.46 Mil. Pineapple Financial's average total debt for the quarter that ended in Feb. 2026 was $16.45 Mil. Therefore, Pineapple Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 was 8.88%.

Pineapple Financial  (AMEX:PAPL) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Pineapple Financial Effective Interest Rate on Debt % Related Terms

Pineapple Financial Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Pineapple Financial's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart

Pineapple Financial Annual Data
Trend Aug21 Aug22 Aug23 Aug24 Aug25
Effective Interest Rate on Debt %
9.89 14.64 4.38 25.20 29.13

Pineapple Financial Quarterly Data
Aug21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
Effective Interest Rate on Debt % 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 28.29 8.53 8.57 14.52 8.88

PAPL vs MMCP, BLNE, LFLS: Effective Interest Rate on Debt % Comparison

For the Mortgage Finance subindustry, Pineapple Financial's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, Pineapple Financial's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Pineapple Financial's Effective Interest Rate on Debt % falls into.


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Pineapple Financial Effective Interest Rate on Debt % Calculation

Pineapple Financial's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Aug. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Aug. 2024 )+Total Debt  (A: Aug. 2025 ))/ count )
=-1  *  -0.336/( (0.978+1.329)/ 2 )
=-1  *  -0.336/1.1535
=29.13 %

where

Total Debt  (A: Aug. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.816 + 0.162
=0.978

Total Debt  (A: Aug. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.561 + 0.768
=1.329

Pineapple Financial's annualized Effective Interest Rate on Debt % for the quarter that ended in Feb. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Nov. 2025 )+Total Debt  (Q: Feb. 2026 ))/ count )
=-1  *  -1.46/( (13.276+19.616)/ 2 )
=-1  *  -1.46/16.446
=8.88 %

where

Total Debt  (Q: Nov. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.523 + 12.753
=13.276

Total Debt  (Q: Feb. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=0.498 + 19.118
=19.616

* 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 Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Feb. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 8.88% mean?
Pineapple Financial (PAPL) has a Effective Interest Rate on Debt % of 8.88% as of Feb. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Pineapple Financial and its competitors.
Is Pineapple Financial's Effective Interest Rate on Debt % too high?
Pineapple Financial's current Effective Interest Rate on Debt % is 8.88%. 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 Effective Interest Rate on Debt % compare to MMCP and BLNE?
Pineapple Financial's Effective Interest Rate on Debt % of 8.88% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Pineapple Financial and its competitors. Pineapple Financial's current Effective Interest Rate on Debt % is 8.88%. 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 Effective Interest Rate on Debt % of 8.88%. The current Effective Interest Rate on Debt % is 8.88%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current Effective Interest Rate on Debt % is 8.88% 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 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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