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EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Pineapple Financial's Enterprise Value is $46.02 Mil.
Pineapple Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in May. 2026 was $-5.13 Mil. Therefore, Pineapple Financial's EV-to-OCF for today is -8.97.
The historical rank and industry rank for Pineapple Financial's EV-to-OCF or its related term are showing as below:
PAPL'
s EV-to-OCF Range Over the Past 10 Years
Min: -20.92 Med: -4.59 Max: -1.12
Current: -8.97
During the past 5 years, the highest EV-to-OCF of Pineapple Financial was -1.12. The lowest was -20.92. And the median was -4.59.
PAPL's EV-to-OCF is ranked better than 88.68% of 1502
companies
in the Banks industry
Industry Median: 3.685
vs PAPL: -8.97
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 $1.15.
Pineapple Financial's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in May. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-6.368.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pineapple Financial EV-to-OCF Related Terms
Pineapple Financial EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Pineapple Financial's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Pineapple Financial's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Pineapple Financial's EV-to-OCF falls into.
Pineapple Financial's current Enterprise Value is $46.02 Mil.
Pineapple Financial's Cash Flow from Operations for the trailing twelve months (TTM) ended in May. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-5.13 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-OCF of -8.97 as of Jul. 26, 2026. According to the industry distribution chart, Pineapple Financial ranks #170 out of 1502 companies in the Banks industry, placing it in the top 11.3%.
Is Pineapple Financial's EV-to-OCF too high?
Pineapple Financial's current EV-to-OCF is -8.97. Based on the distribution chart, Pineapple Financial ranks #170 out of 1502 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 EV-to-OCF compare to MMCP and BLNE?
According to the Banks industry distribution chart, Pineapple Financial ranks #170 out of 1502 companies for EV-to-OCF. This places Pineapple Financial in the top 11% of its industry — outperforming the majority of peers. The industry median EV-to-OCF is 3.69. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.69, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pineapple Financial's current EV-to-OCF is -8.97. 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 $1.15 — trading 38.6% above its estimated fair value. The current EV-to-OCF is -8.97. 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current EV-to-OCF is -8.97 as of Jul. 26, 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 $1.15 is trading 38.6% above its estimated GF Value™ of $0.83.
GuruFocus considers Pineapple Financial to be Significantly Overvalued.
Key valuation signals for PAPL:
EV-to-OCF: -8.97
GF Value™: $0.83 vs. price of $1.15 (38.6% above fair value)
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.
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