PAPL (Pineapple Financial) ROE % Adjusted to Book Value: 484.17% (As of May. 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 ROE % Adjusted to Book Value?

Pineapple Financial PAPL -5.41% 10 ROE % Adjusted to Book Value is 484.17% as of May. 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.

Pineapple Financial's ROE % for the quarter that ended in May. 2026 was 256.61%. Pineapple Financial's PB Ratio for the quarter that ended in May. 2026 was 0.53. Pineapple Financial's ROE % Adjusted to Book Value for the quarter that ended in May. 2026 was 484.17%.


Pineapple Financial ROE % Adjusted to Book Value Related Terms


Pineapple Financial ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Pineapple Financial's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Pineapple Financial Annual Data
Trend Aug21 Aug22 Aug23 Aug24 Aug25
ROE % Adjusted to Book Value
0.00 0.00 0.00 -47.76 -54.21

Pineapple Financial Quarterly Data
Aug21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26 May26
ROE % Adjusted to Book Value 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 Premium Member Only -296.84 -140.14 0.00 -1,077.22 484.17

PAPL vs BLNE, CNF, MMCP: ROE % Adjusted to Book Value Comparison

For the Mortgage Finance subindustry, Pineapple Financial's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Pineapple Financial's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Pineapple Financial's ROE % Adjusted to Book Value falls into.


PAPL
10GF Score
Pineapple Financial Inc PAPL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Pineapple Financial ROE % Adjusted to Book Value Calculation

Pineapple Financial's ROE % Adjusted to Book Value for the fiscal year that ended in Aug. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-322.52% / 5.95
=-54.21%

Pineapple Financial's ROE % Adjusted to Book Value for the quarter that ended in May. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=256.61% / 0.53
=484.17%

* 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 ROE % Adjusted to Book Value of 484.17% mean?
Pineapple Financial (PAPL) has a ROE % Adjusted to Book Value of 484.17% as of May. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Pineapple Financial and its competitors.
Is Pineapple Financial's ROE % Adjusted to Book Value too high?
Pineapple Financial's current ROE % Adjusted to Book Value is 484.17%. 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 ROE % Adjusted to Book Value compare to BLNE and CNF?
Pineapple Financial's ROE % Adjusted to Book Value of 484.17% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Pineapple Financial and its competitors. Pineapple Financial's current ROE % Adjusted to Book Value is 484.17%. 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 ROE % Adjusted to Book Value is 484.17%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current ROE % Adjusted to Book Value is 484.17% 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 $1.05 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:

  • ROE % Adjusted to Book Value: 484.17%
  • 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

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$1.05
Price
$0.83
GF Value