PAPL (Pineapple Financial) Moat Score: 2/10 (As of Aug. 11, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PAPL Pineapple Financial Inc PAPL
10 GF Score
Price $1.05
GF Value $0.83
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Pineapple Financial Moat Score?

Pineapple Financial PAPL -5.41% 10 Moat Score is 2 as of Aug. 11, 2026. GuruFocus rates PAPL with a GF Score™ of 10/100 and a GF Value™ of $0.83 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,610 Banks companies, Pineapple Financial ranks better than 60.19% on this metric.

Pineapple Financial has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Pineapple Financial has No Moat: Pineapple Financial lacks significant competitive advantages, with no strong brand, network effects, or regulatory barriers. Its market position is not sufficient to establish a durable moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Pineapple Financial might have No Moat - Very weak/transient advantages.

Pineapple Financial  (AMEX:PAPL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Pineapple Financial Moat Score Related Terms

PAPL vs BLNE, CNF, MMCP: Moat Score Comparison

For the Mortgage Finance subindustry, Pineapple Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Pineapple Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Pineapple Financial's Moat Score falls into.


PAPL
10GF Score
Pineapple Financial Inc PAPL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Pineapple Financial (PAPL) has a Moat Score of 2 as of Aug. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Pineapple Financial ranks #641 out of 1610 companies in the Banks industry, placing it in the top 39.8%.
Is Pineapple Financial's Moat Score too high?
Pineapple Financial's current Moat Score is 2. Based on the distribution chart, Pineapple Financial ranks #641 out of 1610 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to BLNE and CNF?
According to the Banks industry distribution chart, Pineapple Financial ranks #641 out of 1610 companies for Moat Score. This puts Pineapple Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Pineapple Financial's current Moat Score is 2. 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 $1.05 — trading 26.5% above its estimated fair value. The current Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current Moat Score is 2 as of Aug. 11, 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 $1.05 is trading 26.5% above its estimated GF Value™ of $0.83. GuruFocus considers Pineapple Financial to be Significantly Overvalued.

Key valuation signals for PAPL:

  • Moat Score: 2
  • GF Value™: $0.83 vs. price of $1.05 (26.5% above fair value)
  • GF Score™: 10/100 with 6 warning signs

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 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.
10GF Score

Get the complete analysis for PAPL

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.05
Price
$0.83
GF Value