3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Pineapple Financial's 3-Year ROIIC % for the quarter that ended in Aug. 2025 was 5.32%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Pineapple Financial's 3-Year ROIIC % or its related term are showing as below:
PAPL's 3-Year ROIIC % is ranked better than 70.21% of 47
companies
in the Banks industry
Industry Median: 1.27
vs PAPL: 5.32
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Pineapple Financial 3-Year ROIIC % Related Terms
Pineapple Financial 3-Year ROIIC % Historical Data
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The historical data trend for Pineapple Financial's 3-Year ROIIC % 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.
PAPL vs MMCP, BLNE, LFLS: 3-Year ROIIC % Comparison
For the Mortgage Finance subindustry, Pineapple Financial's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Banks Industry
For the Banks industry and Financial Services sector, Pineapple Financial's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Pineapple Financial's 3-Year ROIIC % falls into.
Pineapple Financial's 3-Year ROIIC % for the quarter that ended in Aug. 2025 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( -2.608 (Aug. 2025) - -2.716 (Aug. 2022) )
/
( 3.974 (Aug. 2025) - 1.944 (Aug. 2022) )
=
0.108
/
2.03
=
5.32%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Pineapple Financial (PAPL) has a 3-Year ROIIC % of 5.32 as of Aug. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Pineapple Financial and its competitors. According to the industry distribution chart, Pineapple Financial ranks #14 out of 47 companies in the Banks industry, placing it in the top 29.8%.
Is Pineapple Financial's 3-Year ROIIC % too high?
Pineapple Financial's current 3-Year ROIIC % is 5.32. The Banks industry median 3-Year ROIIC % is 1.27. Pineapple Financial's value of 5.32 is 318.9% above this industry median. Based on the distribution chart, Pineapple Financial ranks #14 out of 47 companies in the Banks industry, which is above the industry midpoint. 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 3-Year ROIIC % compare to MMCP and BLNE?
According to the Banks industry distribution chart, Pineapple Financial ranks #14 out of 47 companies for 3-Year ROIIC %. This puts Pineapple Financial in the upper half of its industry. The industry median 3-Year ROIIC % is 1.27. Pineapple Financial's value of 5.32 is 318.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for a Banks company?
The median 3-Year ROIIC % among Banks companies is 1.27, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pineapple Financial's current 3-Year ROIIC % of 5.32 is 318.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Pineapple Financial and its competitors. For the Banks industry, the median 3-Year ROIIC % is 1.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pineapple Financial's current 3-Year ROIIC % is 5.32. 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 3-Year ROIIC % of 5.32. The current 3-Year ROIIC % is 5.32 and 318.9% above the Banks industry median of 1.27. Pineapple Financial's overall GF Score™ is 10/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Pineapple Financial (PAPL), the current 3-Year ROIIC % is 5.32 as of Aug. 2025. 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 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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