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PAPL Stock Forecast: Pineapple Financial, Inc. Price Predictions for 2026-2027

Last close, 14 Oct 2026
$0.86

The 1 Wall Street analysts covering Pineapple Financial, Inc. hold a median 12-month price target of $5 — +482.3% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 8 of 100 as at 14 Oct 2026 — in the weakest quartile. The Street sees upside; the factor read is a caution. That gap is the story on this page.

Market cap
$24.8M
Ticker Nerd rank
8 / 100
Median analyst target
$5.00
Analysts covering
1
Revenue$3.8M+402.3% y/y
Operating income−$442K
Net income$25.3M
Free cash flow−$15.7M
Quarterly, 8 quarters to 31 May 2026 · latest quarter's figure shown
Ticker Nerd rank

PAPL stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Pineapple Financial, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 14 Oct 2026
8 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Growth
88
Size
87
Revisions
25
Volatility
18
Momentum
16
Value
11
Accruals
9
Quality
9
Issuance
3

Growth (88): Sales and profits are climbing, and climbing faster than before.

Issuance (3): The company has been issuing shares or taking on financing, diluting existing holders.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

PAPL stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on PAPL, reported as data — targets and ratings, the market's view beside the model's.

We don’t hold enough price history for this company yet.

What Wall Street says1 analysts
1 Buy0 Hold0 Sell
Low $5.00Median $5.00High $5.00

The green dot is the last close — the median target sits +482.3% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
4 Dec 2025D. Boral CapitalMaintainsBuy—
16 Apr 2025D. Boral CapitalMaintainsBuy—
27 Feb 2025D. Boral CapitalMaintainsBuy—
22 Jan 2025D. Boral CapitalMaintainsBuy—
6 Jan 2025D. Boral CapitalMaintainsBuy—
29 May 2024EF HuttonInitiatesBuy—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. PAPL appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Estimates

PAPL analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
Analysts raising
0
Analysts cutting
0
Fundamentals

Pineapple Financial, Inc. (PAPL) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
−0.2×

Cheaper than 78% of US stocks

Price / sales
8.9×

Cheaper than 15% of US stocks

Price / book
0.5×

Cheaper than 84% of US stocks

EV / EBITDA
−15.2×

Cheaper than 88% of US stocks

Growth & margins
Revenue growth (YoY)
−16.7%

Higher than 12% of US stocks

Earnings growth (YoY)
402.3%

Higher than 94% of US stocks

Gross margin
16.8%

Higher than 17% of US stocks

Operating margin
−139.6%

Higher than 12% of US stocks

Net margin
−114.1%

Higher than 5% of US stocks

Returns & dividend
Return on equity
−12.1%

Higher than 35% of US stocks

Return on assets
−4.3%

Higher than 33% of US stocks

Dividend yield
0.0%

Higher than 1% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Pineapple Financial, Inc. (PAPL) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Pineapple Financial, Inc. has a market value of $24.8M and an enterprise value of $41.7M.

  • Revenue in the twelve months to 31 May 2026: $28.6M. The latest quarter shrank 16.7% year on year.

  • Net income over the same four quarters: −$2.5M, a −8.8% net margin.

  • Free cash flow in the twelve months to 31 May 2026: −$20.5M, after $2K of capital spending.

  • Shares outstanding: 25.5M.

  • Trailing P/E: −0.2×; forward P/E: 24.5× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 0.00%, paying out 0% of earnings.

  • Pineapple Financial, Inc. employs 39 people — $734K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 31 May 2026 · market figures as at 14 Oct 2026

Data provided by Twelve Data

Peers

PAPL vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelMortgage Finance
CompanyMarket capTKN rank
PAPLPineapple Financial, Inc.$24.8M
8
BLNEBeeline Holdings, Inc.$21.9M
9
BETRBetter Home & Finance Holding Co.$150.6M
8
LDIloanDepot, Inc.$166.1M
12
ONITOnity Group, Inc.$216.2M
81
BSAABEST SPAC I Acquisition Corp.*$22.6M
74
INVInnventure, Inc.*$23.1M
37

* Nearest Financial Services names by size — few mortgage finance companies of this scale trade in the US universe.

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Pineapple Financial, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest PAPL news & analysis

Pentiv Launches Intelligence Platform for Mortgage Agents and Brokerages

Business Wire · 15 Oct 2026positive

Pentiv, Pineapple Financial’s new operating brand, announced the launch of an intelligence platform for mortgage agents and brokerages. It builds on technology, permissioned data, and workflows developed within Pineapple Financial’s operating network and is designed for broader commercialization.

Why it matters — The launch marks a new phase in PAPL’s evolution and introduces a platform intended for use beyond its existing operating network.

FAQ

Frequently asked questions about PAPL stock

What is the PAPL stock price forecast for 2026-2027?

The 1 Wall Street analysts covering Pineapple Financial, Inc. have a median 12-month price target of $5, with estimates ranging from $5 to $5. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is PAPL stock a buy right now?

Of the 1 analysts covering Pineapple Financial, Inc., 1 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Pineapple Financial, Inc. 8 out of 100 across roughly 4,600 US stocks as at 14 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank PAPL?

As at 14 Oct 2026, Pineapple Financial, Inc. ranks 8 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Growth (88 of 100).

Will PAPL stock go up?

No one can know that. What the data says: the median 12-month target from 1 analysts implies +482.3% from the last close, and Ticker Nerd's factor model ranks Pineapple Financial, Inc. 8 out of 100 as at 14 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the PAPL stock forecast for 2030?

No analyst covering Pineapple Financial, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for PAPL are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $5 to $5 over the next 12 months.

What does Pineapple Financial, Inc. do?

Pineapple Financial Inc. is a Canadian mortgage technology and brokerage company that provides mortgage brokerage services and digital tools for mortgage agents, brokers, brokerages, sub-brokers, and consumers.

What is the latest news on PAPL?

The most recent item we track (Business Wire, 15 Oct 2026): "Pentiv Launches Intelligence Platform for Mortgage Agents and Brokerages". Pentiv, Pineapple Financial’s new operating brand, announced the launch of an intelligence platform for mortgage agents and brokerages. It builds on technology, permissioned data, and workflows developed within Pineapple Financial’s operating network and is designed for broader commercialization.

Company

About Pineapple Financial, Inc.

Pineapple Financial Inc. is a Canadian mortgage technology and brokerage company that provides mortgage brokerage services and digital tools for mortgage agents, brokers, brokerages, sub-brokers, and consumers. The company’s platform combines cloud-based workflow support with back-office services, pre-underwriting assistance, and technology designed to streamline mortgage origination and client servicing. It also offers mortgage consultation and access to lender rate information and product options, helping users compare and manage home financing solutions. In addition, Pineapple Financial provides insurance products that complement its mortgage-focused offerings. Headquartered in North York, Canada, Pineapple Financial serves the Canadian housing finance market through an integrated model that links brokerage services with software-enabled operations.

CEO Mr. Shubha-Jeet Dasgupta · 39 employees · Canada · https://gopineapple.com