XASEPAPL
Market cap4mUSD
Dec 23, Last price
0.46USD
1D
3.68%
1Q
-37.51%
Name
Pineapple Financial Inc (Pre-Reincorporation)
Chart & Performance
P/E
—
P/S
1.49
EPS
—
Div Yield, %
0.00%
Shrs. gr., 5y
—
Rev. gr., 5y
%
Revenues
3m
+7.46%
Net income
-4m
L+46.05%
CFO
-2m
L-19.27%
Profile
Pineapple Financial Inc. operates as a mortgage technology and brokerage company in Canada. The company offers mortgage brokerage services and technology solutions to Canadian mortgage agents, brokers, sub-brokers, brokerages, and consumers through data-driven systems together with cloud based tools. The company also operates MyPineapple technology platform, which allows users to conduct their brokerage services. In addition, it offers back office support services, such as digital and automated onboarding and set up, loan packaging and processing, digital document collection and client portal, loan maintenance, payroll, lender communication, reporting requirements for regulators and business management, cloud services, expense collections, document preparation, compliance, training, administration, and marketing. Further, the company provides pre-underwriting support services, including credit review, data validation, fraud analysis and compliance, appraisal ordering and review, and data analytics. Additionally, it offers various insurance products, such as life, accident and disability, critical illness, and credit insurance. Pineapple Financial Inc. was formerly known as 2487269 Ontario Ltd and changed its name to Pineapple Financial Inc. in June 2021. The company was founded in 2016 and is based in North York, Canada.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|
| 2024‑08 | 2023‑08 | 2022‑08 | 2021‑08 | 2020‑08 | |
| Income | |||||
Revenues | 2,689 7.46% | 2,502 -30.51% | 3,601 20.68% | ||
Cost of revenue | 2,382 | 5,457 | 6,061 | ||
Unusual Expense (Income) | |||||
NOPBT | 307 | (2,954) | (2,460) | ||
NOPBT Margin | 11.41% | ||||
Operating Taxes | 77 | ||||
Tax Rate | |||||
NOPAT | 307 | (2,954) | (2,537) | ||
Net income | (4,103) 46.05% | (2,809) -0.04% | (2,810) 1,097.39% | ||
Dividends | |||||
Dividend yield | |||||
Proceeds from repurchase of equity | |||||
BB yield | |||||
| Debt | |||||
Debt current | 162 | 568 | 2 | ||
Long-term debt | 162 | 2,078 | 2,039 | ||
Deferred revenue | 1,375 | ||||
Other long-term liabilities | 1,348 | 700 | (2,153) | ||
Net debt | (257) | 1,916 | (1,894) | ||
| Cash flow | |||||
Cash from operating activities | (1,708) | (2,116) | (1,835) | ||
CAPEX | (5) | (62) | (1,053) | ||
Cash from investing activities | (1,117) | (1,362) | (1,053) | ||
Cash from financing activities | 2,913 | 349 | (61) | ||
FCF | 1,244 | (3,327) | (3,423) | ||
| Balance | |||||
Cash | 580 | 720 | 3,897 | ||
Long term investments | 10 | 38 | |||
Excess cash | 446 | 605 | 3,755 | ||
Stockholders' equity | (1,607) | (566) | (493) | ||
Invested Capital | 4,466 | 4,589 | 5,362 | ||
ROIC | 6.78% | ||||
ROCE | 10.73% | ||||
| EV | |||||
Common stock shares outstanding | 7,146 | 7,182 | 7,182 | ||
Price | 0.88 | ||||
Market cap | 6,274 | ||||
EV | 6,017 | ||||
EBITDA | 1,011 | (2,513) | (2,248) | ||
EV/EBITDA | 5.95 | ||||
Interest | 93 | 56 | 94 | ||
Interest/NOPBT | 30.47% | ||||