PAPL (Pineapple Financial) OCF Margin %: -84.40% (As of Feb. 2026)


PAPL Pineapple Financial Inc PAPL
10 GF Score
Price $0.89
! 6 Warning Signs
View Full Analysis

What is Pineapple Financial OCF Margin %?

Pineapple Financial PAPL +8.95% 10 OCF Margin % is -84.40% as of Feb. 2026. GuruFocus rates PAPL with a GF Score™ of 10/100. The stock has 6 warning signs investors should review. Among 1,501 Banks companies, Pineapple Financial ranks worse than 79.81% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Pineapple Financial's Cash Flow from Operations for the three months ended in Feb. 2026 was $-3.27 Mil. Pineapple Financial's Revenue for the three months ended in Feb. 2026 was $3.88 Mil. Therefore, Pineapple Financial's OCF Margin % for the quarter that ended in Feb. 2026 was -84.40%.

As of today, Pineapple Financial's current OCF Yield % is -16.68%.

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

PAPL' s OCF Margin % Range Over the Past 10 Years
Min: -50.96   Med: -9.71   Max: 22.42
Current: -15.12

During the past 5 years, the highest OCF Margin % of Pineapple Financial was 22.42%. The lowest was -50.96%. And the median was -9.71%.

PAPL's OCF Margin % is ranked worse than
79.81% of 1501 companies
in the Banks industry
Industry Median: 29.44 vs PAPL: -15.12

Pineapple Financial OCF Margin % Related Terms

Pineapple Financial OCF Margin % Historical Data

* Premium members only.

The historical data trend for Pineapple Financial's OCF 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 OCF Margin % Chart

Pineapple Financial Annual Data
Trend Aug21 Aug22 Aug23 Aug24 Aug25
OCF Margin %
22.42 -50.96 -12.88 -9.71 -5.03

Pineapple Financial Quarterly Data
Aug21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
OCF 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 -3.79 53.15 -3.07 -11.03 -84.40

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

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

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

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


PAPL
10GF Score
Pineapple Financial Inc PAPL
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pineapple Financial OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

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

OCF Margin=Cash Flow from Operations (A: Aug. 2025 )/Revenue (A: Aug. 2025 )
=-0.947/18.813
=-5.03 %

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

OCF Margin=Cash Flow from Operations (Q: Feb. 2026 )/Revenue (Q: Feb. 2026 )
=-3.273/3.878
=-84.40 %

* 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 OCF Margin % →
What does a OCF Margin % of -84.40% mean?
Pineapple Financial (PAPL) has a OCF Margin % of -84.40% as of Feb. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pineapple Financial and its competitors. According to the industry distribution chart, Pineapple Financial ranks #1198 out of 1501 companies in the Banks industry, placing it in the top 79.8%.
Is Pineapple Financial's OCF Margin % too high?
Pineapple Financial's current OCF Margin % is -84.40%. Based on the distribution chart, Pineapple Financial ranks #1198 out of 1501 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 OCF Margin % compare to BLNE and MMCP?
According to the Banks industry distribution chart, Pineapple Financial ranks #1198 out of 1501 companies for OCF Margin %. This places Pineapple Financial in the lower half of its industry. The industry median OCF Margin % is 29.44. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pineapple Financial and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pineapple Financial's current OCF Margin % is -84.40%. 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 OCF Margin % of -84.40%. The current OCF Margin % is -84.40%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current OCF Margin % is -84.40% 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.
10GF Score

Get the complete analysis for PAPL

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

$0.89
Price