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Pineapple Financial has the Financial Strength Rank of 5.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Pineapple Financial did not have earnings to cover the interest expense.
Pineapple Financial's debt to revenue ratio for the quarter that ended in May. 2026 was 1.47.
As of today, Pineapple Financial's Altman Z-Score is 0.61.
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Pineapple Financial has the Financial Strength Rank of 5.
Pineapple Financial Financial Strength Related Terms
PAPL vs BLNE, CNF, MMCP: Financial Strength Comparison
For the Mortgage Finance subindustry, Pineapple Financial's Financial Strength, along with its competitors' market caps and Financial Strength 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 Financial Strength vs Banks Industry
For the Banks industry and Financial Services sector, Pineapple Financial's Financial Strength distribution charts can be found below:
* The bar in red indicates where Pineapple Financial's Financial Strength 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:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Pineapple Financial has a Z-score of 0.61, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.
Warning Sign:
Altman Z-score of 0.61 is in distress zone. This implies bankruptcy possibility in the next two years.
* 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 Financial Strength of 5 as of May. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Pineapple Financial and its competitors. This is near median its historical median of 5.00. Over the past decade, Pineapple Financial's Financial Strength has ranged from 2.00 to 7.00.
Is Pineapple Financial's Financial Strength too high?
Pineapple Financial's current Financial Strength of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 7.00. 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 Financial Strength compare to BLNE and CNF?
Pineapple Financial's Financial Strength of 5 can be compared against companies in the Banks industry. Historically, Pineapple Financial's own Financial Strength has ranged from 2.00 to 7.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Pineapple Financial and its competitors. Pineapple Financial's current Financial Strength is 5, which is near median its own 10-year median of 5.00. 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 $1.10 — trading 32.5% above its estimated fair value. The current Financial Strength is 5, which is near median its 10-year median of 5.00. 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 Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current Financial Strength is 5 as of May. 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 $1.10 is trading 32.5% above its estimated GF Value™ of $0.83.
GuruFocus considers Pineapple Financial to be Significantly Overvalued.
Key valuation signals for PAPL:
Financial Strength: 5 (near median its 10-year median of 5.00)
GF Value™: $0.83 vs. price of $1.10 (32.5% above fair value)
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 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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