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    PAPL

    Pineapple Financial Inc.

    Company overview

    Market capitalization
    $24.51M
    Employees
    39
    Latest publication
    2026-09-29
    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. The company also provides back-office support services, such as digital and automated onboarding and set up, loan packaging and processing, digital document collection and client portals, loan maintenance activities, payroll, lender communication, reporting requirements for regulators and business management, cloud services, expense collections, document preparation, compliance, training, administration, and marketing. In addition, it offers pre-underwriting support services comprising credit review, data validation, fraud analysis and compliance, appraisal ordering and review, and data analytics; and insurance products, which include whole life, permanent life, critical illness, and credit insurance. Further, the company operates MyPineapple, a technology platform that allows users to conduct their brokerage services. It serves mortgage agents, brokers, sub-brokers, and brokerages and consumers. The company was formerly known as 2487269 Ontario Ltd and changed its name to Pineapple Financial Inc. in June 2021. Pineapple Financial Inc. was incorporated in 2015 and is headquartered in North York, Canada.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ3 20262026-05-31 · USDQ4 20252025-08-31 · USDQ3 20252025-05-31 · USDQ2 20252025-02-28 · USDQ1 20252024-11-30 · USDQ4 20242024-08-31 · USDQ3 20242024-05-31 · USDQ2 20242024-02-29 · USD
    Total Revenue622,502USD16,554,084USD746,903USD743,309USD766,074USD15,613,495USD736,448USD3,925,103USD
    Selling General Administrative552,659USD1,017,667USD527,835USD572,853USD417,406USD1,048,175USD491,666USD592,202USD
    Selling And Marketing Expenses292,314USD—292,489USD57,101USD273,009USD—265,395USD150,597USD
    Total Operating Expenses-24,311,026USD17,478,841USD1,048,786USD950,839USD848,718USD16,937,005USD1,039,394USD903,139USD
    Operating Income24,933,528USD-924,757USD-696,531USD-598,948USD-519,009USD-1,323,510USD-896,148USD-659,332USD
    Total Other Income Expense Net316,555USD-869,748USD138,795USD3,499USD-137,885USD-125,999USD47,543USD1,876USD
    Interest Income155,480USD——0USD————
    Interest Expense448,510USD29,848USD31,216USD100,005USD174,505USD273,706USD40,373USD28,450USD
    Depreciation And Amortization255,023USD—219,355USD244,123USD185,522USD—220,391USD177,757USD
    Income Before Tax25,250,083USD-1,824,353USD-557,736USD-595,449USD-656,894USD-1,723,215USD-848,605USD-657,456USD
    Income Tax Expense0USD———-656,894USD—2USD28,450USD
    Net Income25,250,083USD-1,824,353USD-557,736USD-595,449USD-656,894USD-1,723,215USD-848,605USD-657,456USD
    Cost Of Revenue—16,247,959USD394,648USD391,418USD436,365USD15,506,882USD593,202USD3,681,296USD
    Gross Profit—306,125USD352,255USD351,891USD329,709USD106,613USD143,246USD243,807USD
    Unclassified Operating Expenses—16,461,174USD———15,888,830USD——
    Net Interest Income—-29,848USD-195,919USD-100,005USD-174,505USD-273,706USD-40,373USD-28,450USD
    Net Income From Continuing Ops—-1,824,353USD-557,736USD-595,449USD-656,894USD-1,723,215USD-848,605USD-657,456USD
    Reconciled Depreciation—213,112USD219,346USD244,123USD185,522USD303,268USD220,391USD177,757USD
    Tax Provision——0USD0USD——0USD—
    Ebit——-526,520USD-495,444USD-482,389USD—-808,232USD-629,006USD
    Ebitda——-307,165USD-251,321USD-296,867USD—-587,841USD-451,249USD
    Research Development————369,993USD—165,207USD115,303USD
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    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20212021-08-31 · USDFY 20202020-08-31 · USD
    Total Revenue16,118,607USD3,617,458USD
    Cost Of Revenue13,245,987USD2,100,871USD
    Gross Profit2,872,620USD1,516,587USD
    Research Development0USD0USD
    Selling General Administrative954,785USD556,374USD
    Selling And Marketing Expenses964,070USD556,374USD
    Unclassified Operating Expenses1,187,282USD—
    Total Operating Expenses3,106,137USD1,286,819USD
    Operating Income-233,516USD229,768USD
    Interest Expense26,078USD—
    Net Interest Income-26,078USD—
    Income Before Tax-261,801USD214,784USD
    Income Tax Expense-27,119USD23,946USD
    Tax Provision-27,119USD—
    Net Income-234,683USD190,838USD
    Net Income From Continuing Ops-234,683USD—
    Ebit-235,723USD229,768USD
    Ebitda-180,175USD262,658USD
    Depreciation And Amortization55,548USD32,890USD
    Reconciled Depreciation55,548USD—
    Total Other Income Expense Net-28,285USD-14,984USD
    SourceLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ3 20262026-05-31 · USDQ2 20262026-02-28 · USDQ1 20262025-11-30 · USDQ4 20252025-08-31 · USDQ3 20252025-05-31 · USDQ2 20252025-02-28 · USDQ1 20252024-11-30 · USDQ4 20242024-08-31 · USD
    Total Assets75,853,112USD48,872,601USD10,626,936USD5,417,221USD4,702,403USD3,964,305USD4,137,152USD4,096,592USD
    Total Current Assets23,493,445USD23,108,642USD1,789,874USD2,319,595USD1,396,866USD870,851USD957,090USD893,491USD
    Total Liabilities24,233,807USD———————
    Total Current Liabilities23,542,318USD19,118,296USD14,793,034USD3,001,691USD2,413,786USD2,129,218USD1,786,700USD1,398,906USD
    Total Stockholder Equity51,619,305USD27,098,940USD-5,488,511USD906,679USD842,565USD739,657USD1,151,902USD1,349,316USD
    Total Equity Including Noncontrolling Interest51,619,305USD———————
    Deferred Revenue78,370USD———————
    Net Receivables452,244USD5,213,560USD143,732USD138,336USD180,462USD177,781USD182,526USD60,948USD
    Property Plant Equipment Net477,008USD523,686USD521,333USD592,120USD740,640USD760,367USD891,308USD981,284USD
    Intangible Assets2,472,291USD24,983,522USD2,511,792USD2,495,773USD2,555,050USD2,323,722USD2,279,083USD2,211,775USD
    Short Term Debt21,442,877USD19,118,296USD770,016USD—799,614USD754,666USD807,476USD—
    Common Stock62,378,305USD63,038,590USD11,656,838USD—9,920,070USD9,108,915USD8,727,906USD—
    Retained Earnings-14,743,408USD-39,327,378USD-19,831,524USD-13,396,439USD-11,572,086USD-11,011,964USD-10,414,868USD-9,757,974USD
    Accumulated Other Comprehensive Income-532,087USD196,778USD-504,775USD—-461,363USD-496,066USD-680,861USD—
    Other Current Assets—5,619,039USD166,975USD—81,821USD199,463USD154,983USD—
    Total Liab—21,773,661USD16,115,447USD4,510,542USD3,859,838USD3,224,648USD2,985,250USD2,747,276USD
    Other Current Liab—20,020,847USD11,983,087USD—1,462,844USD1,229,028USD933,541USD—
    Capital Stock—63,038,590USD11,656,838USD11,621,468USD9,920,070USD9,108,915USD8,727,906USD8,559,856USD
    Cash—17,895,082USD1,479,167USD2,117,371USD1,134,583USD493,607USD619,581USD580,356USD
    Cash And Short Term Investments—17,895,082USD1,479,167USD—1,134,583USD493,607USD619,581USD—
    Current Deferred Revenue—98,992USD37,997USD—151,328USD145,524USD45,683USD—
    Net Debt—1,721,323USD-186,220USD—337,653USD941,211USD931,519USD—
    Short Long Term Debt—18,972,000USD12,612,815USD629,120USD633,259USD599,130USD490,958USD—
    Short Long Term Debt Total—19,616,405USD1,292,947USD—1,472,236USD1,434,818USD1,551,100USD—
    Long Term Investments—22,437,065USD5,773,937USD9,733USD9,847USD9,365USD9,671USD10,042USD
    Property Plant Equipment Gross—1,029,746USD1,015,559USD1,304,779USD1,467,966USD1,396,062USD1,441,709USD1,490,560USD
    Common Stock Shares Outstanding—1,344,391shares1,344,391shares1,340,941shares12,714,242shares9,026,000shares7,145,939shares421,267shares
    Non Current Assets Total—25,763,959USD8,837,062USD3,097,626USD3,305,537USD3,093,454USD3,180,062USD3,203,101USD
    Non Current Liabilities Total—2,655,365USD1,322,413USD1,508,851USD1,446,052USD1,095,430USD1,198,550USD1,348,370USD
    Non Currrent Assets Other—246,820USD30,000USD——9,365USD9,671USD—
    Net Working Capital—3,089,327USD-13,003,160USD-682,096USD-1,016,920USD-1,258,367USD-829,610USD-505,415USD
    Unclassified Current Assets—-5,619,039USD——————
    Unclassified Non Current Assets—-22,427,134USD——————
    Unclassified Current Liabilities—-39,091,839USD-12,612,815USD2,372,571USD———1,398,906USD
    Unclassified Non Current Liabilities—2,655,365USD1,322,413USD1,508,851USD1,446,052USD1,095,430USD1,198,550USD1,348,370USD
    Unclassified Equity—-59,847,640USD-8,465,888USD2,681,650USD-6,964,126USD-5,970,143USD-5,208,181USD2,547,434USD
    Accounts Payable——2,001,934USD—————
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    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-08-31 · USDFY 20242024-08-31 · USDFY 20232023-08-31 · USDFY 20222022-08-31 · USDFY 20212021-08-31 · USDFY 20202020-08-31 · USD
    Total Assets5,417,221USD4,096,592USD4,628,938USD6,427,086USD7,581,011USD310,385USD
    Intangible Assets2,495,773USD2,211,775USD1,718,954USD702,388USD——
    Other Current Assets110,000USD157,911USD218,150USD483,695USD147,335USD90,326USD
    Total Liab4,510,542USD2,747,276USD2,843,005USD1,800,698USD662,556USD153,612USD
    Total Stockholder Equity906,679USD1,349,316USD1,785,933USD4,626,388USD6,918,455USD156,773USD
    Other Current Liab2,125,160USD111,921USD605,319USD780,113USD399,318USD9,263USD
    Common Stock11,621,468USD8,559,856USD4,903,031USD4,903,031USD4,903,031USD60USD
    Capital Stock11,621,468USD8,559,856USD4,903,031USD4,903,031USD4,903,031USD—
    Retained Earnings-13,396,439USD-9,757,974USD-5,655,315USD-2,846,278USD-36,217USD152,320USD
    Cash2,117,371USD580,356USD720,365USD3,896,839USD7,011,535USD288,252USD
    Cash And Short Term Investments2,117,371USD580,356USD720,365USD3,896,839USD7,011,535USD288,252USD
    Total Current Assets2,319,595USD893,491USD1,697,503USD4,484,731USD7,225,295USD388,475USD
    Total Current Liabilities3,001,691USD1,398,906USD1,173,789USD782,137USD449,750USD200,149USD
    Current Deferred Revenue108,552USD111,921USD-605,319USD-780,113USD-399,317USD-10,453USD
    Net Debt-788,292USD396,751USD817,694USD-2,876,254USD-6,748,297USD-277,799USD
    Short Term Debt767,979USD161,508USD568,470USD2,024USD50,432USD27,242USD
    Short Long Term Debt629,120USD—430,098USD———
    Short Long Term Debt Total1,329,079USD977,107USD1,538,059USD1,020,585USD263,238USD10,453USD
    Long Term Investments9,733USD10,042USD10,013USD38,211USD39,709USD—
    Net Receivables92,223USD155,224USD758,988USD104,197USD66,425USD9,898USD
    Accounts Payable2,125,160USD1,125,477USD605,319USD780,113USD399,317USD163,644USD
    Property Plant Equipment Net592,120USD981,284USD1,202,468USD1,201,756USD316,006USD12,236USD
    Property Plant Equipment Gross1,304,779USD1,490,560USD1,527,004USD1,381,522USD365,100USD—
    Accumulated Other Comprehensive Income-509,300USD-408,510USD-417,727USD-353,218USD-147,995USD4,393USD
    Common Stock Shares Outstanding665,820shares7,145,939shares7,181,978shares7,181,978shares7,181,978shares7,556,978shares
    Non Current Assets Total3,097,626USD3,203,101USD2,931,435USD1,942,355USD355,715USD15,942USD
    Non Current Liabilities Total1,508,851USD1,348,370USD1,669,216USD1,018,561USD212,806USD-144,538USD
    Non Currrent Assets Other9,733USD10,042USD-3,421,366USD-4,907,672USD-5,999,296USD-306,679USD
    Net Working Capital-682,096USD-505,415USD523,714USD3,702,594USD6,775,545USD—
    Unclassified Current Liabilities-2,754,280USD—-1,035,417USD———
    Unclassified Non Current Liabilities1,508,851USD1,348,370USD1,669,216USD1,018,560USD——
    Unclassified Equity-8,430,518USD-5,603,912USD-1,947,087USD-1,980,178USD-2,703,395USD—
    Inventory——-3,203,216USD483,694USD-5,851,961USD-1USD
    Non Current Liabilities Other———1USD——
    Other Assets————1USD-94,032USD
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    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-02-28 · USDQ1 20262025-11-30 · USDQ4 20252025-08-31 · USDQ3 20252025-05-31 · USDQ2 20252025-02-28 · USDQ1 20252024-11-30 · USDQ4 20242024-08-31 · USDQ3 20242024-05-31 · USD
    Net Income-19,495,788USD-6,435,085USD-1,824,353USD-560,122USD-597,096USD-656,894USD-1,723,215USD-848,748USD
    Depreciation245,090USD222,800USD213,112USD219,346USD159,978USD185,522USD303,268USD220,391USD
    Other Non Cash Items17,069,566USD6,060,199USD15,426USD384,207USD102,099USD-22,700USD179,771USD-43,183USD
    Change To Account Receivables-80,724USD-58,663USD39,715USD-2,681USD4,086USD-27,302USD-3,960USD539,102USD
    Change In Working Capital-1,091,919USD-337,659USD535,986USD353,599USD162,388USD-169,525USD663,579USD794,572USD
    Total Cash From Operating Activities-3,273,051USD-489,745USD-507,622USD397,030USD-172,631USD-663,597USD-264,651USD123,032USD
    Capital Expenditures-1,925USD-210,828USD-132,744USD-272,033USD-257,112USD-282,298USD-216,205USD-338,583USD
    Free Cash Flow-3,271,126USD-700,573USD-640,366USD124,997USD-429,743USD-945,895USD-480,856USD-215,551USD
    Investments-1,999,988USD-11,896,002USD—-272,033USD-257,112USD-282,298USD-216,205USD-338,583USD
    Total Cashflows From Investing Activities-7,186,715USD-12,106,830USD—-272,033USD-257,112USD-282,298USD—-338,583USD
    Net Borrowings6,329,864USD11,939,108USD-53,178USD-18,321USD38,229USD456,205USD-55,670USD-3,008,523USD
    Total Cash From Financing Activities26,245,861USD11,954,105USD1,614,760USD610,006USD38,285USD1,188,036USD431,821USD-256,586USD
    Issuance Of Capital Stock19,900,960USD15,000USD487,263USD628,327USD56USD731,831USD487,491USD2,751,937USD
    Change In Cash16,415,915USD-638,204USD974,394USD640,976USD-125,974USD39,225USD-49,035USD-590,849USD
    Begin Period Cash Flow1,479,167USD2,117,371USD1,134,583USD493,607USD619,581USD580,356USD748,769USD1,339,618USD
    End Period Cash Flow17,895,082USD1,479,167USD2,117,371USD1,134,583USD493,607USD619,581USD580,356USD748,769USD
    Other Cashflows From Investing Activities-5,000,000USD-208,905USD——-257,112USD-216,176USD—-338,253USD
    Other Cashflows From Financing Activities26,245,861USD-43,979USD——-9,786USD731,831USD—27,256USD
    Unclassified Financing Cash Flow-26,230,824USD—1,180,675USD—————
    Sale Purchase Of Stock—-487,313USD——————
    Stock Based Compensation——————0USD0USD
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    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-08-31 · USDFY 20242024-08-31 · USDFY 20232023-08-31 · USDFY 20222022-08-31 · USDFY 20212021-08-31 · USDFY 20202020-08-31 · USD
    Net Income-3,638,465USD-4,102,659USD-2,809,037USD-2,810,061USD-234,683USD141,805USD
    Depreciation675,055USD838,843USD441,159USD211,756USD55,548USD24,439USD
    Stock Based Compensation235,006USD0USD33,091USD723,217USD567,938USD—
    Other Non Cash Items899,136USD468,064USD83,459USD32,017USD267,826USD57,867USD
    Change To Account Receivables14,477USD603,764USD44,473USD-37,772USD-53,529USD-7,773USD
    Change In Working Capital882,448USD1,087,491USD135,223USD8,162USD11,926USD-7,532USD
    Total Cash From Operating Activities-946,820USD-1,708,261USD-2,116,105USD-1,834,909USD668,555USD159,927USD
    Capital Expenditures-944,187USD-1,117,390USD-1,362,298USD-1,052,932USD-61,638USD0USD
    Free Cash Flow-1,891,007USD-2,825,651USD-3,478,403USD-2,887,841USD606,917USD159,927USD
    Total Cashflows From Investing Activities-944,187USD-1,117,390USD-1,362,298USD-1,052,932USD-101,347USD—
    Net Borrowings422,935USD-326,801USD349,008USD-61,470USD-51,384USD—
    Total Cash From Financing Activities3,451,087USD2,912,627USD349,008USD-61,470USD6,273,614USD-24,885USD
    Sale Purchase Of Stock-487,313USD—————
    Issuance Of Capital Stock1,847,477USD3,239,428USD0USD0USD7,328,371USD—
    Change In Cash1,537,015USD-140,009USD-3,176,474USD-3,114,696USD6,635,957USD135,042USD
    Begin Period Cash Flow580,356USD720,365USD3,896,839USD7,011,535USD375,578USD153,210USD
    End Period Cash Flow2,117,371USD580,356USD720,365USD3,896,839USD7,011,535USD288,252USD
    Other Cashflows From Financing Activities-487,313USD290,788USD430,098USD-1,052,932USD-1,003,373USD-24,889USD
    Unclassified Financing Cash Flow4,002,778USD——1,052,932USD——
    Investments—-1,117,390USD-1,362,298USD-1,052,932USD-101,347USD—
    Other Cashflows From Investing Activities—-1,112,399USD-1,300,225USD-803,610USD-39,709USD—
    Unclassified Investing Cash Flow—2,229,789USD2,662,523USD1,856,542USD——
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    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    No revenue breakdown is currently published for this company.

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.