PAPL · Pineapple Financial Inc.
$1.14
-0.11 (-8.80%)
At close · Jul 31
Going-concern doubt
— flagged Jul 20, 2026
Substantial doubt about the company's ability to continue as a going concern.
“These conditions, including the Company's accumulated deficit, history of operating losses, and negative operating cash flows, raise substantial doubt about the Company's ability to continue as a going concern within one year after the date that these financial statements are issued. Accordingly, substantial doubt about the Company's ability to continue as a going concern remains.”View the 10-Q filed Jul 20, 2026
Market Cap
$28.81M
Shares
25.27M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$1.14
Open$1.23
Day$1.07–1.23
52W$0.54–9.13
Avg vol 30d570K
Short int152K · 0.6% float · 3.7d
Short vol6%
Last earningsFeb 28, 2026
DataNov 2023–Jul 2026
Filing10-Q · Jul 20
Up next
FQ4-26 quarter ends
~Aug 31, 2026
Est
filed Jul 20, 2026
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 16 · calm
Equity put/call 0.63
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−29%
below
Price vs 50-day avg
+13%
above
RSI (14)
57
neutral
MACD trend
Positive
52-week position
7%
near low
Volume (OBV)
Bearish div.
distributing
Momentum
relative strength
1-month return
+15%
trailing
6-month return
+60%
trailing
YTD return
−19%
this year
Relative strength
+52%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $1 › 200d $2 — 200d above 50d
Institutional flow
Flat
1 of 7 funds reported for Jun 30 · net 0 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.60% of float · ▼ -3.9% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
7 holders — 13F breadth
Squeeze score
39
low risk · 0–100
Fundamentals
Revenue growth
+11%
Y/Y
EPS growth
+54%
Y/Y
Free cash flow
$-951.8K
Buyback
$15.0M
authorized
Quant / Vol
risk profile
Volatility
182%
annualized · 1-yr
Max drawdown
−92%
past year
ATR
10.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−29%
Bearish
Price vs 50-day avg
+13%
Bullish
RSI (14)
57
Neutral
MACD trend
Positive
Bullish
52-week position
7%
Bearish
Volume (OBV)
Bearish div.
Bearish
Market signals — smart money & positioning
Bullish · 1 of 6
Trend (MA cross)
No cross
50d $1 › 200d $2 — 200d above 50d
Institutional flow
Flat
1 of 7 funds reported for Jun 30 · net 0 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.60% of float · ▼ -3.9% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
7 holders — 13F breadth
Price context
position in its 52-week range
52-wk low $1
Now $1 · 7%
52-wk high $9
vs 200-day avg -29%
vs 50-day avg +13%
Illustrative technical + ownership context — a signal mix, not investment advice.
Versus peers
Mortgage Finance — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
PAPL
this stock
Pineapple Financial Inc.
|
$28.81M | -19.1% | +7.5% | — | 0.6% |
|
RKT
Rocket Companies, Inc.
|
$36.50B | -33.4% | +31.2% | 99.2 | 4.8% |
|
FNMA
Federal National Mortgage Association Fannie Mae
|
$6.71B | -45.8% | -0.4% | 579.0 | 1.3% |
|
PFSI
PennyMac Financial Services, Inc.
|
$3.92B | -42.6% | -29.4% | 8.0 | 4.6% |
|
FMCC
Federal Home Loan Mortgage Corp
|
$3.58B | -45.7% | -2.7% | — | 1.5% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Institutional Holders
Holders
7
- % held
- 0.3%
- Reported
- 1 of 7
- Top holder
- TWO SIGMA SECURITIES, LLC
Held
Float
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| PAPL | -0.9% | +15.2% | +59.9% | +12.9% | -19.2% |
| SPY | +1.1% | +0.3% | +8.2% | +0.0% | +9.6% |
| vs SPY | -2.0% | +14.9% | +51.7% | +12.8% | -28.7% |
Capital returns
Buyback program
· as of Apr 22, 2026
Authorized
$15.00M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.