Pineapple Financial Inc. (PAPL) Key Metrics
PAPL valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $22.5M
- Enterprise value
- $40.2M
- P/E (TTM)
- —
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 8.1
- Price / book
- 0.4
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- 5.54
PAPL key metrics, FY2020–FY2025
Fiscal year ended August 31, 2025 · U.S. dollarsPAPL returns How much profit the business earns on the capital it uses.
PAPL financial health Debt, liquidity and how easily interest is covered.
PAPL efficiency & capital use Working capital cycle and where the cash goes.
PAPL valuation history
PAPL returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
PAPL debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
PAPL cash returned to shareholders
PAPL price vs earnings per share
PAPL key metrics
FY2020–FY2025| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| Market capitalization | — | $125.5M | — | — | — | — |
| Enterprise value | — | $125.9M | — | — | — | — |
| Price / sales | — | 46.7 | — | — | — | — |
| Price / book | — | 93.0 | — | — | — | — |
| EV / sales | — | 46.8 | — | — | — | — |
| Earnings yield | — | −3.3% | — | — | — | — |
| Free cash flow yield | — | −2.3% | — | — | — | — |
| Share price at fiscal year-end | $4.02 | $17.56 | — | — | — | — |
| Per share | ||||||
| Revenue per share | — | $0.38 | $0.35 | $0.50 | $2.24 | $0.48 |
| Earnings per share | — | −$0.57 | −$0.39 | −$0.39 | −$0.03 | $0.03 |
| Operating cash flow per share | — | −$0.24 | −$0.29 | −$0.26 | $0.09 | $0.02 |
| Free cash flow per share | — | −$0.40 | −$0.48 | −$0.40 | $0.08 | $0.02 |
| Cash per share | — | $0.08 | $0.10 | $0.54 | $0.98 | $0.04 |
| Book value per share | — | $0.19 | $0.25 | $0.64 | $0.96 | $0.02 |
| Tangible book value per share | — | −$0.12 | $0.01 | $0.55 | $0.96 | $0.02 |
| Capex per share | — | $0.16 | $0.19 | $0.15 | $0.01 | $0.00 |
| Debt per share | — | $0.14 | $0.21 | $0.14 | $0.04 | $0.00 |
| Shares outstanding | — | 7.1M | 7.2M | 7.2M | 7.2M | 7.6M |
| Change in shares outstanding | — | −0.5% | 0.0% | 0.0% | −5.0% | — |
| Returns & profitability | ||||||
| Return on equity (ROE) | −322.6% | −261.7% | −87.6% | −48.7% | −6.6% | 121.7% |
| Return on invested capital (ROIC) | −249.8% | −138.9% | −101.0% | −223.5% | −705.5% | — |
| Return on assets (ROA) | −76.5% | −94.0% | −50.8% | −40.1% | −5.9% | 61.5% |
| Return on tangible assets | −124.5% | −217.7% | −96.5% | −49.1% | −3.1% | 61.5% |
| Free cash flow margin | −63.3% | −105.1% | −139.0% | −80.2% | 3.8% | 4.4% |
| Income quality (OCF / net income) | — | — | — | — | — | 0.84 |
| Financial health | ||||||
| Total debt | $1.3M | $977,107 | $1.5M | $1.0M | $263,238 | $13,621 |
| Cash & short-term investments | $2.1M | $580,356 | $720,365 | $3.9M | $7.0M | $288,252 |
| Net debt | −$788,292 | $396,751 | $817,694 | −$2.9M | −$6.7M | −$274,631 |
| Debt / equity | 1.47 | 0.72 | 0.86 | 0.22 | 0.04 | 0.09 |
| Debt / assets | 0.25 | 0.24 | 0.33 | 0.16 | 0.03 | 0.04 |
| Net debt / EBITDA | — | — | — | — | — | −1.05 |
| Current ratio | 0.77 | 0.64 | 1.45 | 5.73 | 16.07 | 1.94 |
| Quick ratio | 0.77 | 0.64 | 4.18 | 5.12 | 29.08 | 1.94 |
| Interest coverage | -8.8 | -40.9 | -49.4 | -28.8 | -9.0 | — |
| Working capital | −$682,096 | −$505,415 | $523,714 | $3.7M | $6.8M | $188,326 |
| Invested capital | $118,387 | $1.7M | $2.6M | $1.8M | $170,158 | −$117,858 |
| Tangible asset value | −$1.6M | −$862,459 | $66,979 | $3.9M | $6.9M | $156,773 |
| Net current asset value | −$2.2M | −$1.9M | −$1.1M | $2.7M | $6.6M | $234,863 |
| Graham number | — | — | — | — | — | $0.11 |
| Graham net-net per share | — | −$0.29 | −$0.44 | $0.34 | $0.48 | $0.02 |
| Capital allocation | ||||||
| Share buybacks (net) | $487,313 | — | — | — | — | — |
| Capex / revenue | 31.6% | 41.6% | 54.4% | 29.2% | 0.4% | 0.0% |
| Capex / operating cash flow | — | — | — | — | 9.2% | 0.0% |
| Capex / depreciation | 1.10 | 1.33 | 3.09 | 4.12 | 1.11 | 0.00 |
| Stock-based compensation / revenue | 7.9% | 0.0% | 1.3% | 20.1% | 3.5% | — |
| R&D / revenue | — | — | 0.0% | 0.0% | 0.0% | 0.0% |
| SG&A / revenue | 75.5% | 120.6% | 91.3% | 102.8% | 11.9% | 30.8% |
| Efficiency | ||||||
| Days sales outstanding | 15.1 | 62.0 | 63.0 | 8.6 | 0.9 | 1.0 |
| Days of inventory on hand | — | — | -213.0 | -415.1 | -80.6 | -0.0 |
| Days payables outstanding | 360.6 | 129.6 | 108.5 | 91.2 | 7.8 | 28.4 |
| Cash conversion cycle (days) | -345.5 | -67.6 | -258.6 | -497.6 | -87.5 | -27.4 |
| Receivables turnover | 24.14 | 5.88 | 5.80 | 42.21 | 422.38 | 365.49 |
| Payables turnover | 1.01 | 2.82 | 3.36 | 4.00 | 47.06 | 12.84 |
| Asset turnover | 0.63 | 0.62 | 0.45 | 0.51 | 4.09 | 11.65 |
| Average receivables | $123,724 | $457,106 | $431,592 | $85,311 | $38,161 | $9,898 |
| Average payables | $1.6M | $865,398 | $692,716 | $589,715 | $281,480 | $163,644 |
| Average inventory | — | — | −$1.4M | −$2.7M | −$2.9M | −$1 |
| Intangibles / total assets | 46.1% | 54.0% | 37.1% | 10.9% | 0.0% | 0.0% |
Computed from PAPL's annual financial statements (latest annual report filed December 3, 2025) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
PAPL valuation and financial ratios
Pineapple Financial earned a return on equity of −322.6% and a return on invested capital of −249.8% in fiscal 2025. It ended the year with $1.3 million of debt and $2.1 million in cash and short-term investments, a net cash position of $0.8 million. It returned $0.5 million to shareholders: $0 in dividends and $0.5 million in share buybacks.
See the PAPL income statement, the PAPL chart for price history, or the PAPL stock overview for the latest quote and news.
PAPL key metrics FAQ
What is Pineapple Financial's return on equity?
Pineapple Financial's return on equity (ROE) was −322.6% in fiscal 2025: net income of -$3.6 million on average shareholders' equity of $1.1 million.
What is Pineapple Financial's ROIC?
Pineapple Financial's return on invested capital was −249.8% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Pineapple Financial have?
Pineapple Financial had total debt of $1.3 million at the end of fiscal 2025, a debt-to-equity ratio of 1.47 and more cash than debt.
Does Pineapple Financial buy back its shares?
Yes. Pineapple Financial spent $0.5 million on net share repurchases in fiscal 2025.
What is Pineapple Financial's current ratio?
Pineapple Financial's current ratio was 0.77 at the end of fiscal 2025: current assets were 0.77 times current liabilities.