Pineapple Financial Inc. (PTIV) stock

PTIVNYSEFinance ServicesAlso trades as PAPL

Financials through Q3 FY2026, quarter ended May 31, 2026Last filing: 10-Q on Jul 20, 2026Score 6/30

$0.73−0.02 (-2.95%)

Close on Nov 2, 2026Market cap $18.36MP/E –Yield –

Pineapple Financial statistics

65 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: –
Last ex-dividend date: No dividends
Fundamentals through: May 31, 2026
Share price as of: Nov 2, 2026

Valuation ratiosIndustry

Market Cap: $18.36M; $243.10M
Enterprise Value: $13.27M; $210.62M
PS Ratio: 6.61; 2.60
PB Ratio: 0.36; 1.09
P/TBV Ratio: 0.37; 1.29

Enterprise valuationIndustry

EV / Sales: 4.78; 2.44

Share statisticsIndustry

Shares Outstanding: 25M; 54M
Shares Change (YoY): 2363.7%; 12.9%
Shares Change (QoQ): -2.13%; 0.25%
Float: 10M; 41M
Shares Held by Insiders: 62.1%; 18.5%
Shares Held by Institutions: 0.59%; 27.5%

Stock price statisticsIndustry

52-Week High: $4.77; –
52-Week Low: $0.54; –
20-Day Moving Average: $0.89; –
50-Day Moving Average: $0.94; –
200-Day Moving Average: $0.93; –
Average True Range (14): $0.10; –
Price Change (1 Week): -16.5%; -3.48%
Price Change (1 Month): -22.1%; -18.4%
Price Change (3 Months): -41.4%; -11.4%
Price Change (6 Months): -36.3%; -28.2%
Price Change (YTD): -48.5%; -33.3%
Price Change (1 Year): -82.9%; -53.0%
Price Change (3 Years): -98.0%; -31.1%
Average Volume (10 Days): 80,102; –
Average Volume (20 Days): 112,625; –
Average Volume (90 Days): 254,736; –
Relative Volume: 0.21; 0.76
Relative Strength Index (14): 36.9; 39.7
Volatility (1 Year): 148.7%; 94.3%
Beta (5 Years): -0.80; 1.25

MarginsIndustry

Gross Margin: 43.9%; 42.0%
Operating Margin: -14.5%; -119.4%
Profit Margin: -90.1%; -21.0%
EBITDA Margin: -14.5%; -66.1%

Returns on capitalIndustry

Return on Equity (ROE): -9.55%; -22.8%
Return on Assets (ROA): -6.22%; -11.8%
Return on Invested Capital (ROIC): -1.36%; -28.7%
Return on Capital Employed (ROCE): -0.77%; -23.5%

Financial positionIndustry

Current Ratio: 1.00; 1.45
Quick Ratio: 0.74; 0.53

GrowthIndustry

Revenue Growth (YoY): -6.55%; 19.7%
Revenue Growth (3Y CAGR): -6.04%; 5.91%

EfficiencyIndustry

Asset Turnover: 0.07; 0.17
Revenue Per Employee: $71.26K; $694.61K
Profits Per Employee: -$64.23K; -$258.90K
Employee Count: 39; 47
WACC: 7.44%; 11.0%

Income statement (TTM)Industry

Revenue: $2.78M; $63.64M
Gross Profit: $1.22M; $1.92M
Operating Income: -$402.62K; -$13.20M
Net Income: -$2.51M; -$5.16M
EBITDA: -$402.62K; -$9.57M

Balance sheetIndustry

Cash & Short-Term Investments: $5.09M; $19.07M
Net Cash (Debt): $5.09M; $6.80M
Net Cash Per Share: $0.20; $0.20
Equity (Book Value): $51.62M; $182.16M
Book Value Per Share: $2.04; $3.80
Tangible Book Value: $49.15M; $127.80M
Working Capital: -$48.87K; $8.71M

Cash flow (TTM)Industry

Operating Cash Flow: -$5.13M; -$5.82M

Dividends and yieldsIndustry

Earnings Yield: -13.6%; -13.4%

Scores and fair valueIndustry

Altman Z-Score: 0.20; 0.31
Piotroski F-Score: 4; 4

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 2, 2026. The S&P 500 is measured by the SPY fund.

Period	PTIV	S&P 500	Difference	PTIV per year	S&P 500 per year
1 month	-22.1%	-2.3%	−19.8 pts
3 months	-36.3%	+0.9%	−37.2 pts
Year to date	-48.5%	+11.2%	−59.6 pts
1 year	-81.2%	+11.5%	−92.7 pts
3 years	-98.0%	+81.0%	−179.1 pts	-73.0%	+21.9%

Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.

Where these numbers come from

Parsed from the XBRL in Pineapple Financial's annual and quarterly filings with the SEC
Per-share figures adjusted for the 1-for-20 reverse split on Dec 3, 2025
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing

Against peers

Trailing twelve months. Peers are matched on business description, industry and size. Ticks are peers, the dot is PTIV.

Compare: PTIV vs FGC · PTIV vs AURE · PTIV vs FRMM · PTIV vs BNC · PTIV vs AGPU

Revenue growth-6.6% · median 230.0%

Gross margin43.9% · median -0.3%

Operating margin-14.5% · median -3234.4%

Net margin-90.1% · median -4971.7%

Company	Revenue	Growth
FRMM	$10.77M	–
AGPU	$3.26M	+2495.7%
BNC	$2.80M	-59.4%
PTIV	$2.78M	-6.6%
FGC	$2.44M	+230.0%
AURE	–	–

Company

Exchange: NYSE
Industry: Finance Services
Employees: 39
Auditor: MNP LLP
SEC CIK: 1938109

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