olivLaw · US equity research
Pineapple Financial Inc. PAPL
Finance Services · SIC 6199 · Vertical: Finance Services (SIC 6199)
Pineapple Financial is a Canadian mortgage technology and brokerage company that provides a cloud platform to agents and brokers for managing the full mortgage lifecycle. It has recently expanded with a digital asset treasury strategy, so reported results are shaped both by the mortgage market and by fair value measurements of those assets.
At the close of 04 Nov 2026, Pineapple Financial Inc. (PAPL) stock was 0.75 USD (+2.33% on the day), with market capitalisation 18.9 m USD, beta 0.25, 52-week range 0.58–3.69 USD. Latest reported quarter (Q3 2026): revenue of 622.5 k USD (−16.7% YoY), net income of 25.3 m USD, diluted EPS 0.99 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 39.1
- weak (30–45)
- Bollinger (20, 2)
- 0.71 – 1.04
- in the lower half of the band · %B 0.12 · band width 38.5%
- SMA 50 / 200
- 0.92 / 0.93
- downtrend (price < SMA50 < SMA200)
- MACD (12, 26, 9)
- -0.05 / -0.03
- MACD below signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | −14.5% | −1.1% | −13.4 pp | — |
| 3 months | −37.7% | −0.5% | −37.2 pp | — |
| 6 months | −38.2% | +4.4% | −42.6 pp | — |
| Year to date | −47.0% | +12.3% | −59.3 pp | — |
| 1 year | −78.6% | +13.5% | −92.2 pp | −58.7% |
| 3 years | −98.0% | +76.4% | −174.4 pp | −57.5% |
| 5 years | unavailable | +63.7% | unavailable | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q3 2026 · 31 May 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 717.6 k | 766.1 k | 743.3 k | 746.9 k | 727.4 k | 721.7 k | 707.3 k | 622.5 k |
| Cost of revenue | 374.0 k | 414.3 k | 420.9 k | 241.9 k | 525.5 k | 363.5 k | 361.8 k | 308.3 k |
| SG&A | 836.3 k | 417.4 k | 572.9 k | 527.8 k | 731.2 k | 394.9 k | 659.9 k | 552.7 k |
| Operating income | -1.4 m | -693.5 k | -598.9 k | -696.5 k | -958.2 k | -6.6 m | -17.8 m | 24.9 m |
| Depreciation & amortisation | — | 185.5 k | 242.2 k | 219.4 k | — | — | 241.6 k | 255.0 k |
| Interest expense | — | — | — | — | — | 236.9 k | 348.0 k ≈ | 441.3 k ≈ |
| Pre-tax income | -1.7 m | -656.9 k | -595.4 k | -557.7 k | -1.8 m | — | -19.5 m | 25.3 m |
| Net income | -1.7 m | -656.9 k | -595.4 k | -557.7 k | -1.8 m | -6.4 m | -19.5 m | 25.3 m |
| Diluted EPS | — | -2.60 | -1.73 | -0.93 | -1.59 ≈ | -4.79 | -1.21 | 0.99 |
| Operating cash flow | -264.7 k | -663.6 k | -172.6 k ≈ | 397.0 k ≈ | -507.6 k | -489.7 k | -3.3 m ≈ | -858.6 k ≈ |
| Capex | 29 | — | — | — | — | 1.9 k | 15 ≈ | 6 ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Fiscal years
| Fiscal year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | 3.6 m | 2.5 m | 2.7 m | 3.0 m |
| Revenue YoY | unavailable | −30.5% | +7.5% | +11.1% |
| Net income | -2.8 m | -2.8 m | -4.1 m | -3.6 m |
| Net income YoY | unavailable | unavailable | unavailable | unavailable |
| Diluted EPS | -0.45 | -0.45 | -11.46 | -5.31 |
| Diluted EPS YoY | unavailable | unavailable | unavailable | unavailable |
| net % | -78.0% | -112.3% | -152.6% | -121.8% |
| Free cash flow | -2.1 m | -2.2 m | -1.7 m | unavailable |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Aug 2025
- Cash
- unavailable USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 906.7 k USD
- Total assets
- 5.4 m USD
- Debt / equity
- unavailable
- Current ratio
- 0.64x
- ROE
- -322.6%
- ROA
- -76.5%
- FCF margin
- unavailable
Financial statements (source on every figure)
Revenue and net income (USD)
Margins
Income statement · USD
| Line | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|
| Revenue | 3.6 m | 2.5 m | 2.7 m | 3.0 m | SEC (XBRL)· 03 Dec 2025verified |
| Cost of revenue | 2.7 m | 1.1 m | 1.4 m | 1.6 m | SEC (XBRL)· 03 Dec 2025verified |
| Gross profit | 883.5 k ≈ | 1.4 m ≈ | 1.3 m ≈ | 1.4 m ≈ | SEC (XBRL)· 03 Dec 2025derived |
| SG&A | 3.0 m | 2.2 m | 2.4 m | 2.3 m | SEC (XBRL)· 03 Dec 2025verified |
| Operating income | — | -2.8 m | -3.8 m | -2.9 m | SEC (XBRL)· 03 Dec 2025verified |
| Depreciation & amortisation | — | 441.2 k | 838.8 k | — | SEC (XBRL)· 20 Dec 2024verified |
| EBITDA | — | -2.3 m ≈ | -3.0 m ≈ | — | SEC (XBRL)· 20 Dec 2024derived |
| Interest expense | 94.2 k | 56.3 k | — | 48.6 k | SEC (XBRL)· 03 Dec 2025verified |
| Pre-tax income | -2.8 m | -2.8 m | -4.1 m | -3.6 m | SEC (XBRL)· 03 Dec 2025verified |
| Net income | -2.8 m | -2.8 m | -4.1 m | -3.6 m | SEC (XBRL)· 03 Dec 2025verified |
| Diluted EPS | -0.45 | -0.45 | -11.46 | -5.31 | SEC (XBRL)· 03 Dec 2025verified |
| Weighted average diluted shares | 6.3 m | 6.3 m | 357.3 k | 665.8 k | SEC (XBRL)· 03 Dec 2025verified |
≈ computed by olivLaw from the reported lines of the same year: Revenue − Cost of revenue; Operating income + Depreciation & amortisation.
Balance sheet · USD
| Line | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|
| Current assets | 4.5 m | 1.7 m | 893.5 k | 2.3 m | SEC (XBRL)· 03 Dec 2025verified |
| Property, plant & equipment, net | 247.7 k | 242.1 k | 152.6 k | 62.0 k | SEC (XBRL)· 03 Dec 2025verified |
| Intangibles (excl. goodwill) | 702.4 k | 1.7 m | 2.2 m | 2.5 m | SEC (XBRL)· 03 Dec 2025verified |
| Total assets | 6.4 m | 4.6 m | 4.1 m | 5.4 m | SEC (XBRL)· 03 Dec 2025verified |
| Accounts payable | 780.1 k | 605.3 k | 1.1 m | 2.1 m | SEC (XBRL)· 03 Dec 2025verified |
| Current liabilities | 782.1 k | 1.2 m | 1.4 m | 3.6 m | SEC (XBRL)· 20 Jul 2026verified |
| Total liabilities | 1.8 m | 2.8 m | 2.7 m | 4.5 m | SEC (XBRL)· 03 Dec 2025verified |
| Equity | 4.6 m † | 1.8 m † | 1.3 m † | 906.7 k † | SEC (XBRL)· 03 Dec 2025verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|
| Operating cash flow | -1.8 m | -2.1 m | -1.7 m | -946.8 k | SEC (XBRL)· 03 Dec 2025verified |
| Capex | 249.3 k | 62.1 k | 5.0 k | — | SEC (XBRL)· 20 Dec 2024verified |
| Free cash flow | -2.1 m ≈ | -2.2 m ≈ | -1.7 m ≈ | — | SEC (XBRL)· 20 Dec 2024derived |
| Investing cash flow | -1.1 m | -1.4 m | -1.1 m | -944.2 k | SEC (XBRL)· 03 Dec 2025verified |
| Financing cash flow | -61.5 k | 349.0 k | 2.9 m | 3.5 m | SEC (XBRL)· 03 Dec 2025verified |
≈ computed by olivLaw from the reported lines of the same year: Operating cash flow − Capex.
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
1 indicators that do not apply to the sector.
Valuation
olivLaw classification
- indicators available: 4 of at least 6
- score weight coverage: 25.0% of at least 60%
- valuation methods computed: 0 of at least 1
A scoring methodology on indicators and valuation, not investment advice.
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 18.9 m USD
Key indicators
Coverage and freshness
Score by group
25% · Insufficient data
Estimated value range
unavailable — no valuation method could be computed
Valuation assumptions are editorial choices, not measured; beta is not measured.
Valuation methods
- DCF (discounted cash flow)unavailable · the input exists, but its latest figure is far older than the latest reported period: not used
- Peers: EV/EBITDAunavailable · net debt missing: EV cannot be bridged to equity (missing debt is not zero)
- Peers: P/Eunavailable · the base of the ratio is not positive
- Dividend discount (DDM)unavailable · the company pays no dividend: a dividend model needs an explicit initiation assumption
no valuation method could be computed
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Insufficient data
Minimum-evidence gate: indicators available: 4 of at least 6; score weight coverage: 25.0% of at least 60%; valuation methods computed: 0 of at least 1
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROIC · Quality | unavailable | unavailable | — |
| Net margin · Quality | -90.1% | 46 (vs peers) | 25% |
| FCF conversion · Quality | unavailable | unavailable | — |
| Revenue CAGR 3Y · Growth | -6.0% | 0 (on a fixed band) | 33% |
| EPS CAGR 3Y · Growth | unavailable | unavailable | — |
| Net debt / EBITDA · Balance sheet | unavailable | unavailable | — |
| Interest coverage · Balance sheet | -8.3x | 0 (on a fixed band) | 25% |
| Current ratio · Balance sheet | 1.0x | 16 (on a fixed band) | 17% |
| P/E (TTM) · Valuation | unavailable | unavailable | — |
| EV/EBITDA · Valuation | unavailable | unavailable | — |
| FCF yield · Valuation | unavailable | unavailable | — |
| Shareholder yield (distributions) · Returns | unavailable | unavailable | — |
| Payout ratio (FCF) · Returns | unavailable | unavailable | — |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet7/100 · 2/3 factors with a value
- Growth· partial0/100 · 1/2 factors with a value
- Quality· partial46/100 · 1/3 factors with a value
- Returns· partialunavailable · 0/2 factors with a value
- Valuation· partialunavailable · 0/3 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
PINEAPPLE FINANCIAL INC. (PAPL). Latest full fiscal year: 2025; data up to 2026-05-31.
Figures computed from the financial statements: revenue 3.0 m USD in 2025; YoY growth 11.1%; net margin -90.1%; ROE -9.6%.
Valuation cannot be computed from the available data.
Insufficient data for a verdict (indicators available: 4 of at least 6; score weight coverage: 25.0% of at least 60%; valuation methods computed: 0 of at least 1).
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
No signal among the computed factors. That is not an absence of risk: factors without data were not assessed, and business risks (margins, inventory, demand) are in the source-based analysis.
What contradicts it
- Revenue CAGR 3Y: -6.0%
- Interest coverage: -8.3x
- Current ratio: 1.0x
Not assessed (insufficient data or a ratio without meaning): ROIC, FCF conversion, EPS CAGR 3Y, Net debt / EBITDA, P/E (TTM), EV/EBITDA, FCF yield, Shareholder yield (distributions), Payout ratio (FCF).
Versus the vertical median
Finance Services (SIC 6199) · same industry (4-digit SIC) · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| AXPAmerican Express Co | 223.0 bn | 18.7 | 35.9% | 27.9% | +6.4% | −9% / +95% |
| COINCoinbase Global, Inc. | 40.1 bn | — | -4.7% | -12.5% | +9.4% | −44% / +21% |
| SOFISoFi Technologies, Inc. | 22.4 bn | 36.3 | 7.1% | 104.3% | +23.1% | −42% / +138% |
| IRENIREN Limited | 6.4 bn | — | -23.4% | -99.4% | +41.1% | −62% / +265% |
| KLARKlarna Group plc | 5.1 bn | — | -11.9% | -7.8% | +24.8% | −57% / unavailable |
| GPGIGPGI, Inc. | 3.9 bn | — | -20.6% | — | −85.8% | −31% / +229% |
| UPSTUpstart Holdings, Inc. | 2.2 bn | 37.8 | 8.0% | 4.9% | +64.0% | −51% / −17% |
| CLSKCleanSpark, Inc. | 1.5 bn | — | -68.6% | -130.2% | +102.2% | −62% / −9% |
| SBETSharplink, Inc. | 1.4 bn | — | -183.6% | -3,406.3% | +666.1% | −40% / −61% |
| WDWalker & Dunlop, Inc. | 1.4 bn | 35.8 | 2.2% | 3.0% | +9.0% | −38% / −53% |
| QFINQfin Holdings, Inc. | 1.3 bn | 1.7 | 25.3% | 31.1% | +16.8% | −72% / −65% |
| BTDRBitdeer Technologies Group | 1.3 bn | — | -196.7% | -171.3% | −5.1% | −60% / +18% |
| KEELKeel Infrastructure Corp. | 1.0 bn | — | -87.6% | -230.6% | +72.0% | −53% / +15% |
| HTTHigh Templar Tech Ltd | 563.7 m | 5.6 | 6.3% | 1,729.9% | −80.2% | −64% / +9% |
| JFINJiayin Group Inc. | 324.2 m | 1.4 | 41.3% | 24.7% | +12.0% | −79% / −71% |
| CHADDefi Development Corp. | 308.4 m | — | -589.3% | -1,319.5% | +442.3% | unavailable / unavailable |
| WYFIWhitefiber, Inc. | 303.0 m | — | -13.7% | -46.9% | +66.2% | −64% / unavailable |
| CANGCango Inc. | 204.3 m | — | -130.8% | -90.4% | +524.3% | −94% / −82% |
| ZSQRZ Squared Inc. | 177.6 m | — | -25.9% | -642.0% | unavailable | −82% / −86% |
| HSDTSolana Company | 116.7 m | — | -183.2% | -1,302.8% | +1,057.1% | −53% / −100% |
| NAKANakamoto Inc. | 99.7 m | — | -342.8% | -1,507.8% | −33.0% | −72% / unavailable |
| MGLDThe Marygold Companies, Inc. | 84.6 m | — | -20.7% | -17.3% | +8.0% | +94% / +92% |
| MATHMetalpha Technology Holding Limited | 49.2 m | 2.5 | 59.1% | 35.4% | +165.9% | −62% / −30% |
| BENFBeneficient | 46.8 m | — | — | — | unavailable | −85% / −100% |
| ASSTStrive, Inc. | 34.5 m | — | -9.5% | -4,092.5% | +128.7% | −8% / −74% |
1- and 3-year price returns: for PAPL from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable |
| 3 years | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable |
| 5 years | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable |
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
In brief
Pineapple Financial is a Canadian mortgage technology and brokerage company that provides a cloud platform to agents and brokers for managing the full mortgage lifecycle. It has recently expanded with a digital asset treasury strategy, so reported results are shaped both by the mortgage market and by fair value measurements of those assets.
SWOT
Strengths
Weaknesses
- Heavy dependence on commissions from lender partners, which make up the large majority of revenue 1.
- Net losses in recent years, though smaller than in the prior year 1.
- Reported results are influenced by unrealized gains and losses on digital asset holdings, which makes operating performance harder to compare 2.
Opportunities
- If the mortgage market recovers, origination volume and commission income could rise meaningfully 1.
- Broadening insurance offerings through Pineapple Insurance could create an additional revenue channel and improve client retention 1.
- Research into distributed ledger technology could open new mortgage service models if it is technically validated and accepted 1.
Threats
- The mortgage market remains sensitive to affordability, interest rate levels and bank lending standards 12.
- Price volatility of digital assets and regulatory changes could adversely affect the value of the treasury and the financial position 1.
- Uncertain regulation of digital assets in the US and other countries could impose additional compliance costs 1.
Risks
- Digital asset volatilityhigh
Digital assets, particularly INJ, are highly volatile, and a decline in their value could lead to significant losses and sale proceeds below acquisition cost 1.
- Trading below net asset valuehigh
The company's shares could trade below net asset value, which could limit access to capital on favorable terms 1.
- Uncertain digital asset regulationmedium
Changes in regulation or regulatory interpretation could require the company to register as a money services business or comply with securities laws, adding costs 1.
- Staking operational riskmedium
Protocol upgrades and network disruptions could affect transactions and access to assets, and third-party providers introduce cybersecurity risks 1.
- Dependence on the mortgage marketmedium
Main revenue depends on origination volume, so a further drop in activity could significantly reduce commission income 12.
Investment thesis
What would need to be true (bull case)
- The technology platform and recurring revenue model could support the company even during periods of weak mortgage activity 1.
- If interest rates continue to normalize, origination volume could recover and better reflect the operating potential 12.
- Expansion into insurance and technology services could diversify revenue beyond mortgage commissions 1.
What would break the thesis
- Most revenue depends on commissions from lender partners, which makes the company vulnerable to swings in the mortgage market 1.
- Reported results could be strongly influenced by digital asset valuations, which do not necessarily reflect operating performance 2.
- A treasury strategy concentrated in a single digital asset concentrates risk and could amplify losses if its price falls 1.
What to watch
- Trend in digital asset value and fair value gains or lossesnext 10-Q
- Origination volume and commission revenue in the mortgage segmentQ1 2027
- Customer adoption of insurance products through Pineapple Insurance2027
- Regulatory changes for digital assets in the US and Canadanext 10-K
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
The business
Pineapple Financial is a Canadian mortgage technology and brokerage company that provides mortgage brokerage services and technology solutions to agents, brokers, brokerages and consumers in Canada 1. Its proprietary platform, Pineapple+ (MyPineapple), covers steps from lead intake and pre-qualification through underwriting support, documentation, compliance and funded-deal analytics 1. The company operates in several Canadian provinces and has added insurance services through its subsidiary Pineapple Insurance Inc., which acts as a managing general agent (MGA) with Industrial Alliance 1.
The revenue model is diversified: subscriptions account for approximately 3% of total gross revenue, pre-risk assessment services for approximately 1.3%, and the balance comes from commissions and volume-based compensation from lender partners, including banks and mortgage finance companies 1. This structure means most revenue depends on the volume of mortgages originated.
In fiscal 2026 the company added a second operating area, digital asset operations, through a treasury strategy focused on INJ that includes acquisition, financing, custody and staking 2. Research into smart-contract applications for mortgages is still in development and contributes no material revenue 1.
Segments
Mortgage Operations
This segment covers mortgage brokerage, subscription software, underwriting support, insurance and other technology services; its revenue depends largely on origination volume, which reached approximately $1.599 billion in fiscal 2025 1.
Crypto Asset Operations
This segment was established in fiscal 2026 and covers digital asset holdings, staking and treasury financing; as of May 31, 2026 the digital assets were valued at approximately $49.4 million at fair value, and staking income for the nine months was $620,849 2.
Market context
The Canadian mortgage market remained below pre-2022 origination levels despite a cumulative 225 basis point reduction in the Bank of Canada's benchmark rate through September 2025 1. Renewals and refinancings grew as a share of total activity, while purchase activity recovered gradually, which shaped demand for the company's services 12.
Origination volume grew moderately in fiscal 2025, and indicators in the final quarter pointed to higher application activity, mainly for renewals and refinancings 1. If interest rates continue to normalize, activity could recover gradually, though this remains a condition rather than a certainty.
Trends
- Lower policy ratestailwind
The Bank of Canada's rate cuts improved affordability and reduced borrowing costs, supporting a moderate recovery in origination volume 12.
- Persistent affordability limitsheadwind
Affordability constraints, limited housing supply and tight lending standards keep purchase activity below earlier levels, limiting commission growth 12.
- Digitization and automationtailwind
Investment in the Pineapple Plus platform and workflow automation could raise agent productivity and cost efficiency, which may support recurring revenue over the long term 12.
- Digital asset volatilitymixed
Fair value accounting for digital assets creates large swings in reported net income that do not necessarily reflect cash flows or operating performance, and digital asset markets remain volatile and subject to changing regulation 12.
Competitive position
The company competes with other Canadian mortgage brokerage and technology platforms, as well as with banks and lenders that run their own distribution channels. The supplied sources do not explicitly identify a complete set of US-listed competitors.
The company's stated advantage is full process automation through MyPineapple, which could lower costs and processing times compared with traditional providers whose operations are costly and labor-intensive 1.
- Bank of Nova Scotia (Scotiabank)BNS
Canadian bank listed among the company's lender partners, so it is both a distribution channel and a possible competitor for direct mortgage origination 1.
- Toronto-Dominion BankTD
Canadian bank named as a lender partner that can also attract mortgage clients directly without technology intermediaries 1.
- Bank of Montreal (BMO)BMO
Canadian bank named as a lender partner that also offers mortgage products through its own sales channels 1.
- Industrial Alliance
Canadian insurer with which the company works as a managing general agent; it could also compete in the mortgage-linked insurance market 1.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
- Was an Italian chef really fired over refusal to put pineapple on pizza?BBC World News · 05 Nov 2026 · EN
- Italian chef fired after refusing to put pineapple on pizzaBBC World News · 05 Nov 2026 · EN
- ‘An insult to his culture’: Italian chef sacked for not putting pineapple on pizza loses bid to get job backThe Guardian World · 05 Nov 2026 · EN
- Chimps plunder less pineapple from friends—and expect them to do the samePhys.org · 01 Oct 2026 · EN
SEC filings
- Current report15 Oct 2026Departure or appointment of officers · Regulation FD disclosure · Other events · Financial statements and exhibits
- Quarterly report20 Jul 2026
- Current report03 Jun 2026Item 4.01 · Other events · Financial statements and exhibits
- Current report22 Apr 2026Regulation FD disclosure · Other events · Financial statements and exhibits
- Quarterly report13 Apr 2026
- Current report18 Mar 2026Shareholder vote
- Current report10 Feb 2026Departure or appointment of officers · Financial statements and exhibits
- Proxy statement06 Feb 2026
- Quarterly report21 Jan 2026
- Current report29 Dec 2025Departure or appointment of officers · Other events
Sources
- [1] Form 10-K, fiscal year ended 2025-08-31 · SEC / Pineapple Financial Inc. · 03 Dec 2025
- [2] Form 10-Q, quarter ended 2026-05-31 · SEC / Pineapple Financial Inc. · 20 Jul 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.