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Pineapple FinancialPAPL -3.37%10 EV-to-EBITDA is -0.96 as of Jul. 18, 2026. GuruFocus rates PAPL with a GF Score™ of 10/100. The stock has 6 warning signs investors should review. Among 35 Banks companies, Pineapple Financial ranks worse than 2857140% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Pineapple Financial's enterprise value is $25.62 Mil.
Pineapple Financial's EBITDA for the trailing twelve months (TTM) ended in Feb. 2026 was $-26.72 Mil. Therefore, Pineapple Financial's EV-to-EBITDA for today is -0.96.
The historical rank and industry rank for Pineapple Financial's EV-to-EBITDA or its related term are showing as below:
PAPL'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -8.3 Med: -1.61 Max: -0.48
Current: -0.96
During the past 5 years, the highest EV-to-EBITDA of Pineapple Financial was -0.48. The lowest was -8.30. And the median was -1.61.
PAPL's EV-to-EBITDA is ranked worse than 100% of 35
companies
in the Banks industry
Industry Median: 16.68
vs PAPL: -0.96
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pineapple Financial's PE Ratio (TTM) for today is calculated as:
Pineapple Financial's share price for today is $0.91.
Pineapple Financial's Earnings per Share (Diluted) 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 $-8.358.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Pineapple Financial's EV-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.
For the Mortgage Finance subindustry, Pineapple Financial's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Banks Industry
For the Banks industry and Financial Services sector, Pineapple Financial's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Pineapple Financial's EV-to-EBITDA falls into.
Pineapple Financial's current Enterprise Value is $25.62 Mil.
Pineapple Financial's EBITDA 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 $-26.72 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.
Pineapple Financial (PAPL) has a EV-to-EBITDA of -0.96 as of Jul. 18, 2026. EV to EBITDA ratio is the company's enterprise value divided by 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 35 companies in the Banks industry.
Is Pineapple Financial's EV-to-EBITDA too high?
Pineapple Financial's current EV-to-EBITDA is -0.96. Based on the distribution chart, Pineapple Financial ranks #999999 out of 35 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 EV-to-EBITDA compare to MMCP and BLNE?
According to the Banks industry distribution chart, Pineapple Financial ranks #999999 out of 35 companies for EV-to-EBITDA. This places Pineapple Financial in the lower half of its industry. The industry median EV-to-EBITDA is 16.68. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for a Banks company?
The median EV-to-EBITDA among Banks companies is 16.68, based on 35 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Pineapple Financial. For the Banks industry, the median EV-to-EBITDA is 16.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pineapple Financial's current EV-to-EBITDA is -0.96. 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 EV-to-EBITDA of -0.96. The current EV-to-EBITDA is -0.96. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current EV-to-EBITDA is -0.96 as of Jul. 18, 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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