Pineapple FinancialPAPL +8.95%10 EV-to-FCF is -5.37 as of Jun. 27, 2026. GuruFocus rates PAPL with a GF Score™ of 10/100. The stock has 6 warning signs investors should review. Among 1,195 Banks companies, Pineapple Financial ranks worse than 83681.92% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pineapple Financial's Enterprise Value is $25.10 Mil.
Pineapple Financial's Free Cash Flow for the trailing twelve months (TTM) ended in Feb. 2026 was $-4.68 Mil. Therefore, Pineapple Financial's EV-to-FCF for today is -5.37.
The historical rank and industry rank for Pineapple Financial's EV-to-FCF or its related term are showing as below:
PAPL'
s EV-to-FCF Range Over the Past 10 Years
Min: -9.83 Med: -2.52 Max: -0.53
Current: -5.37
During the past 5 years, the highest EV-to-FCF of Pineapple Financial was -0.53. The lowest was -9.83. And the median was -2.52.
PAPL's EV-to-FCF is ranked worse than 100% of 1195
companies
in the Banks industry
Industry Median: 6.52
vs PAPL: -5.37
EV-to-FCF 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-FCF 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 $0.89.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pineapple Financial EV-to-FCF Related Terms
Pineapple Financial EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Pineapple Financial's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Pineapple Financial's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Pineapple Financial's EV-to-FCF falls into.
Pineapple Financial's current Enterprise Value is $25.10 Mil.
Pineapple Financial's Free Cash Flow 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 $-4.68 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-FCF of -5.37 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pineapple Financial and its competitors. According to the industry distribution chart, Pineapple Financial ranks #999999 out of 1195 companies in the Banks industry.
Is Pineapple Financial's EV-to-FCF too high?
Pineapple Financial's current EV-to-FCF is -5.37. Based on the distribution chart, Pineapple Financial ranks #999999 out of 1195 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-FCF compare to BLNE and MMCP?
According to the Banks industry distribution chart, Pineapple Financial ranks #999999 out of 1195 companies for EV-to-FCF. This places Pineapple Financial in the lower half of its industry. The industry median EV-to-FCF is 6.52. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,195 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pineapple Financial and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pineapple Financial's current EV-to-FCF is -5.37. 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-FCF of -5.37. The current EV-to-FCF is -5.37. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current EV-to-FCF is -5.37 as of Jun. 27, 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.
10GF Score
Get the complete analysis for PAPL
EV-to-FCF 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 
