PAPL (Pineapple Financial) Net Margin %: -502.73% (As of Feb. 2026)


PAPL Pineapple Financial Inc PAPL
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What is Pineapple Financial Net Margin %?

Pineapple Financial PAPL +8.95% 10 Net Margin % is -502.73% as of Feb. 2026. GuruFocus rates PAPL with a GF Score™ of 10/100. The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Pineapple Financial ranks worse than 99.67% on this metric.

Net margin is calculated as Net Income divided by its Revenue. Pineapple Financial's Net Income for the three months ended in Feb. 2026 was $-19.50 Mil. Pineapple Financial's Revenue for the three months ended in Feb. 2026 was $3.88 Mil. Therefore, Pineapple Financial's net margin for the quarter that ended in Feb. 2026 was -502.73%.

The historical rank and industry rank for Pineapple Financial's Net Margin % or its related term are showing as below:

PAPL' s Net Margin % Range Over the Past 10 Years
Min: -110.5   Med: -19.34   Max: -7.88
Current: -110.5

PAPL's Net Margin % is ranked worse than
99.67% of 1527 companies
in the Banks industry
Industry Median: 26.95 vs PAPL: -110.50

Pineapple Financial  (AMEX:PAPL) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

Pineapple Financial Net Margin % Related Terms

Pineapple Financial Net Margin % Historical Data

* Premium members only.

The historical data trend for Pineapple Financial's Net Margin % 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.

Pineapple Financial Net Margin % Chart

Pineapple Financial Annual Data
Trend Aug21 Aug22 Aug23 Aug24 Aug25
Net Margin %
-7.88 -78.03 -17.09 -23.33 -19.34

Pineapple Financial Quarterly Data
Aug21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -13.03 -74.70 -11.02 -144.83 -502.73

PAPL vs BLNE, MMCP, CNF: Net Margin % Comparison

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

For the Banks industry and Financial Services sector, Pineapple Financial's Net Margin % distribution charts can be found below:

* The bar in red indicates where Pineapple Financial's Net Margin % falls into.


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Pineapple Financial Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Pineapple Financial's Net Margin for the fiscal year that ended in Aug. 2025 is calculated as

Net Margin=Net Income (A: Aug. 2025 )/Revenue (A: Aug. 2025 )
=-3.638/18.813
=-19.34 %

Pineapple Financial's Net Margin for the quarter that ended in Feb. 2026 is calculated as

Net Margin=Net Income (Q: Feb. 2026 )/Revenue (Q: Feb. 2026 )
=-19.496/3.878
=-502.73 %

* 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.

Frequently Asked Questions Learn more about Net Margin % →
What does a Net Margin % of -502.73% mean?
Pineapple Financial (PAPL) has a Net Margin % of -502.73% as of Feb. 2026. Net margin is the ratio of total net income to net sales. View historical data on Pineapple Financial and its competitors. According to the industry distribution chart, Pineapple Financial ranks #1522 out of 1527 companies in the Banks industry, placing it in the top 99.7%.
Is Pineapple Financial's Net Margin % too high?
Pineapple Financial's current Net Margin % is -502.73%. Based on the distribution chart, Pineapple Financial ranks #1522 out of 1527 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 Net Margin % compare to BLNE and MMCP?
According to the Banks industry distribution chart, Pineapple Financial ranks #1522 out of 1527 companies for Net Margin %. This places Pineapple Financial in the lower half of its industry. The industry median Net Margin % is 26.95. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Pineapple Financial and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pineapple Financial's current Net Margin % is -502.73%. 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 Net Margin % of -502.73%. The current Net Margin % is -502.73%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current Net Margin % is -502.73% 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 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.
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