PAPL — Pineapple Financial Inc.

Founder-Led

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

Trend Edge Setup Score

Trend Edge rates PAPL Bullish with a Setup Score of 52, net conviction 24, actionability 114. How the Setup Score works →

Total Setup Score52
Directional BiasBullish
Net Conviction24
Actionability114 (in range)

Key signals behind this score

About Pineapple Financial Inc.

Pineapple Financial Inc., together with its subsidiaries, provides mortgage brokerage services and technology solutions in Canada. It offers mortgage brokering services, including mortgage consultation, advise on various mortgage products offered by financial institutions, client access to rate information and mortgage options from lenders, and assistance in selecting mortgage solution. Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$0.95
Market Cap$24.8M
Float8.0M
Shares Outstanding26.1M
Price/Sales (TTM)8.54
vs. Analyst Target+426.3% to analyst PT
Operating Margin (TTM)-115.70%
Revenue (TTM)$2.9M
Dividend RateNone
Analyst Target Price$5.00 (1 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $3.6M $190,838 $1.5M $262,658
2021 $16.1M -$234,683 $2.9M -$180,175
2022 $3.6M -$2.8M $1.2M -$2.5M
2023 $2.5M -$2.8M $172,137 -$2.3M
2024 $2.7M -$4.1M $252,204 -$3.2M
2025 $3.0M -$3.6M $1.3M -$2.4M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
May 2025 $746,903 -$557,736
Aug 2025 $16.6M -$1.8M
Nov 2025 $4.4M -$6.4M
Feb 2026 $3.7M -$19.5M

Ownership & Float

Insider Ownership69.4%
Institutional Ownership0.3%
Short Float2.7%
% of All Funds Holding0.09%
Number of Funds Holding7

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$1.03Near-term / short-term trend
Weekly40-Week SMA$1.70Medium-term trend
Weekly80-Week SMA$3.47Cyclical trend (business cycle)
Weekly200-Week SMA$0.00Secular trend (multi-year)
Monthly10-Month SMA$1.57Near-term monthly trend
Monthly20-Month SMA$3.52Medium-term monthly trend
Monthly40-Month SMA$0.00Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$0.70 support 4.01x 2 months ago

Historical Earnings Reactions (9 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 4.68% 5.26% 77.78% 16.86% -2.08%
1 Day 8.92% 3.55% 77.78% 50.68% -0.59%
1 Week 23.00% -3.71% 44.44% 119.18% -14.91%
2 Weeks 21.43% 3.60% 55.56% 113.27% -24.56%
1 Month 12.79% -8.99% 44.44% 166.32% -91.93%

Next earnings: July 13, 2026

Seasonality & Day-of-Week Patterns

Monthly Seasonality

Insufficient historical data for monthly seasonality analysis (requires 7+ years of data).

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday -1.08% 33.9% 127
Tuesday -0.73% 36.0% 139
Wednesday 2.42% 48.5% 136
Thursday 0.82% 43.2% 132
Friday -1.24% 32.8% 134

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 0.3%

Insider Transactions — Smart Summary

Total insider ownership: 69.4%

Founder-led management: Shubha Dasgupta (Co-Founder, CEO & Director), Kendall Marin (Co-Founder, President, COO & Director), Charles Andrew Green (Co-Founder & Independent Chairman)

12-Month Insider Activity Summary

Total Filings2
Net Value+$11,283.377
Net Shares Change90,175
% of Float1.1%
C-Suite Filings2
Clusters Detected0

Key Insiders

NameTitleNet ValueFilingsActivity
Marin Kendall Leo COO +$11,283.377 2 2 buy

Significant Filings

DateInsiderTitleNet ValuePrice After
2025-07-16 Marin Kendall Leo COO +$8,374.9 Transaction at $0.09, now +909.6%
2025-07-18 Marin Kendall Leo COO +$2,908.478 Transaction at $2.48, now -61.6%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Pineapple Financial Inc. (PAPL) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for PAPL on Trend Edge →