Pineapple FinancialPAPL +8.95%10 Interest Coverage is 0 (At Loss) as of Feb. 2026. GuruFocus rates PAPL with a GF Score™ of 10/100. The stock has 6 warning signs investors should review. Among 21 Banks companies, Pineapple Financial ranks worse than 4761900% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Pineapple Financial's
Operating Income
for the
three
months ended in Feb. 2026 was $-17.45 Mil. Pineapple Financial's Interest Expense for the
three
months ended in Feb. 2026 was $-0.37 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Pineapple Financial's Interest Coverage or its related term are showing as below:
PAPL's Interest Coverage is not ranked *
in the Banks industry.
Industry Median: 22.68 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Pineapple Financial Interest Coverage Related Terms
Pineapple Financial Interest Coverage Historical Data
* Premium members only.
The historical data trend for Pineapple Financial's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
PAPL vs BLNE, MMCP, CNF: Interest Coverage Comparison
For the Mortgage Finance subindustry, Pineapple Financial's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Banks Industry
For the Banks industry and Financial Services sector, Pineapple Financial's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Pineapple Financial's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Pineapple Financial did not have earnings to cover the interest expense.
* 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.
What does a Interest Coverage of 0 (At Loss) mean?
Pineapple Financial (PAPL) has a Interest Coverage of 0 (At Loss) as of Feb. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Pineapple Financial and its competitors. According to the industry distribution chart, Pineapple Financial ranks #999999 out of 21 companies in the Banks industry.
Is Pineapple Financial's Interest Coverage too high?
Pineapple Financial's current Interest Coverage is 0 (At Loss). Based on the distribution chart, Pineapple Financial ranks #999999 out of 21 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 Interest Coverage compare to BLNE and MMCP?
According to the Banks industry distribution chart, Pineapple Financial ranks #999999 out of 21 companies for Interest Coverage. This places Pineapple Financial in the lower half of its industry. The industry median Interest Coverage is 22.68. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Banks company?
The median Interest Coverage among Banks companies is 22.68, based on 21 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Pineapple Financial and its competitors. For the Banks industry, the median Interest Coverage is 22.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pineapple Financial's current Interest Coverage is 0 (At Loss). 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 Interest Coverage of 0 (At Loss). The current Interest Coverage is 0 (At Loss). 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current Interest Coverage is 0 (At Loss) 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 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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