파인애플파이낸셜(PAPL) 주가 전망 및 기업 분석 - PER·배당·실적·목표주가·RSI·MACD

PAPL

Pineapple Financial Inc

7월 27일 4:00 PM ET (한국 7/28 05:00)

$1.14

-0.01 ▼ -0.87%

🌙 7월 28일 5:23 AM ET (한국 7/28 18:23)

$1.13

-0.01 ▼ -0.88%

파인애플파이낸셜(PAPL) is a Financial sector company, analyzed across 14 metrics on this page including P/E, EPS, dividends, RSI, and MACD.

시가총액

$29M

스몰캡

P/E

배당수익률

없음

52주 위치

저점 +111% · 고점 -88%

애널리스트

적극 매수

Fundamental health

vs. Financial 초소형주

수익성

Top 66%

성장

Top 68%

밸류에이션

Top 42%

재무 안정

Top 50%

Index ⓘ	-	P/E ⓘ	-	EPS (ttm) ⓘ	-6.37	Insider Own ⓘ	-	Shs Outstand ⓘ	25.5M	Perf Week ⓘ	29.91%
Market Cap ⓘ	0.03B	Forward P/E ⓘ	59.69	EPS next Y ⓘ	-	Insider Trans ⓘ	-	Shs Float ⓘ	8.3M	Perf Month ⓘ	39.55%
Enterprise Value ⓘ	0.04B	PEG ⓘ	-	EPS next Q ⓘ	-0.01	Inst Own ⓘ	0.32%	Short Float ⓘ	1.84%	Perf Quarter ⓘ	23.94%
Income ⓘ	-0.00B	P/S ⓘ	1.8	EPS this Y ⓘ	-	Inst Trans ⓘ	-18.83%	Short Ratio ⓘ	0.14	Perf Half Y ⓘ	-3.39%
Sales ⓘ	0.02B	P/B ⓘ	0.56	EPS next 5Y ⓘ	-	ROA ⓘ	-6.22%	Short Interest ⓘ	0.15M	Perf YTD ⓘ	-19.15%
Book/sh ⓘ	2.02	P/C ⓘ	2.74	EPS past 3/5Y ⓘ	9.76% -	ROE ⓘ	-9.55%	52W High ⓘ	-87.51% ($9.13)	Perf Year ⓘ	-71.64%
Cash/sh ⓘ	0.42	P/FCF ⓘ	-	Sales past 3/5Y ⓘ	-2.63% 39.06%	ROIC ⓘ	-4.81%	52W Low ⓘ	111.11% ($0.54)	Perf 3Y ⓘ	-
Dividend Est. ⓘ	-	EV/EBITDA ⓘ	33.06	EPS Y/Y TTM ⓘ	21.69%	Gross Margin ⓘ	11.28%	Volatility(W/M) ⓘ	25.8% 11.95%	Perf 5Y ⓘ	-
Dividend TTM ⓘ	-	EV/Sales ⓘ	2.51	Sales Y/Y TTM ⓘ	-17.27%	Oper. Margin ⓘ	1.55%	ATR (14) ⓘ	0.11	Perf 10Y ⓘ	-
Dividend Ex-Date ⓘ	-	Quick Ratio ⓘ	1	EPS Q/Q ⓘ	212.5%	Profit Margin ⓘ	-15.62%	RSI (14) ⓘ	60.9	Recom ⓘ	1
Dividend Gr. 3/5Y ⓘ	-	Current Ratio ⓘ	1	Sales Q/Q ⓘ	-31.65%	SMA20 ⓘ	16.72% ($0.98)	Beta ⓘ	5.52	Target Price ⓘ	$5
Payout ⓘ	-	Debt/Eq ⓘ	0.43	Earnings ⓘ	2026/7/20	SMA50 ⓘ	12.86% ($1.01)	Rel Volume ⓘ	0.14	Prev Close ⓘ	$1.15
Employees ⓘ	39	LT Debt/Eq ⓘ	0.01	EPS/Sales Surpr. ⓘ	340.41% -	SMA200 ⓘ	-32.56% ($1.69)	Avg Volume(3M) ⓘ	1.06M	Price ⓘ	$1.14
IPO ⓘ	2023/11/1	Option/Short ⓘ	No/Yes			Trades ⓘ	488	Volume ⓘ	146,606	Change ⓘ	-0.87%

Quarterly earnings trend SEC filings · USD

24.8

24.11

25.2

25.5

25.8*

25.11

26.2

26.5

Revenue Net income 최근 분기: 매출 $1M (YoY -17%) · 순이익 $25M (YoY +4627%)

* Q4 figures are derived from the annual filing (10-K) · loss-making quarters are underlined in red

📊 Pineapple Financial Inc (PAPL) Investment Analysis

What kind of company is Pineapple Financial Inc?

파인애플파이낸셜(PAPL) 초고성장주

Financial · Mortgage Finance

Small-Cap — Low Volume, High Volatility

🍍 This company operates a Canadian-based mortgage brokerage network, connecting hundreds of agents nationwide through a cloud- and AI-powered platform. Through partnerships with major banks such as BMO, it targets the Canadian mortgage market, making it a small-cap fintech stock.

Learn more about Pineapple Financial Inc →

Market Cap

$0.0B

Approx. KRW 0.0 trillion

⚖️ 0% of Samsung Electronics

Market Cap Rank5141

Employees39people

IPO2023/11/01

Current Price$1.14 ≈ 1,562원

AMEX · Canada

Key Events

⏰ Upcoming events

🔔 Earnings release

The next release date has not been announced yet.

🎯 Ex-dividend date

No scheduled dividends

📜 Recent events

🔔 Earnings release 2026년 7월 20일 (월) · 장 마감 후 EPS +340.4%

🔔 Earnings release 2026년 4월 13일 (월) · 장 시작 전 EPS -199.5%

🔔 Earnings release 2026년 1월 20일 (화) · 장 마감 후

Is it profitable?

Financially sound but profitability is low

Losses or thin margins — early-stage growth or weakening competitiveness

Profitability — How efficiently it makes money

Operating Margin

Profit kept from selling products and services (higher is better)

1.6%

✓ 평균

My positionMid-range

Low range Average High range

Financial 초소형주 Median 8.3% · Bottom 46%

💡 일반적으로 10% 이상이면 양호, 20% 이상이면 우수

Net Margin

Share of revenue left after taxes and interest are paid

-15.6%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

Gross Margin

Profit after subtracting raw-material costs only (signals product competitiveness)

11.3%

✓ 부진

My positionBottom 25%

Low range Average High range

Financial 초소형주 Median 53.4% · Bottom 22%

💡 제조업 30%, IT/소프트웨어 50% 이상이면 우수 (업종별 편차 큼)

ROE

Annual return earned on shareholders' equity (15%+ is strong)

-9.6%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

ROA

Annual earnings relative to total company assets

-6.2%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

ROIC

Return generated per dollar invested in the business

-4.8%

✓ 적자

💡 적자 상태 — 수익을 내지 못하고 있습니다

Financial health — Debt & liquidity burden

Debt-to-Equity (D/E)

Debt relative to equity (lower is healthier)

0.43

✓ Healthy debt

My positionMid-range

Low range Average High range

Financial 초소형주 Median 0.01

💡 일반적으로 1.0 이하면 건전, 1.5까지는 무난 (금융·유틸·REIT는 구조적으로 높음)

Current Ratio

Liquid assets available to cover liabilities due within a year

1.00

✓ 양호

My positionMid-range

Low range Average High range

Financial 초소형주 Median 0.88

💡 1.5~3.0 적정, 1.0 미만이면 단기 유동성 주의

Quick Ratio

Liquid assets excluding inventory, available for immediate use

1.00

✓ 양호

My positionMid-range

Low range Average High range

Financial 초소형주 Median 1.45

💡 1.0 이상이면 안전, 0.5 미만이면 주의

* Ratings reflect relative position vs. peer-group distribution (same sector & size) plus absolute guards (loss & risk thresholds).

What's the outlook?

Mixed Outlook

Positive and negative signals are mixed

애널리스트 목표가

$5.00

현재가 대비 +338.6%

💡 12개월 이내 도달을 전망하는 애널리스트 컨센서스 평균

예상 PER (Forward)

59.69배

💡 내년 예상 EPS 기준. 현재 PER과 비교해 이익 성장 반영 정도 확인

⚠ 이 데이터는 애널리스트 추정치이며 실제 결과와 다를 수 있습니다. 투자 결정은 추가 검토와 함께 하세요.

Did earnings meet expectations?

Average Earnings Performance

Mixed beats and misses

예상 상회

예상 부합

예상 하회

50%

상회 비율

+70.5%

평균 서프라이즈

2026.07.20

상회

+340.4%

2026.04.13

하회

-199.5%

💡 예상보다 높은 실적을 자주 내는 기업은 실적 신뢰도가 높다고 평가됩니다. 단, 애널리스트 기대치가 낮게 설정되었을 수도 있으니 절대 수치도 함께 봐야 합니다.

Is it growing?

Average Growth

Mid-range within the industry

Healthy, Balanced Growth EPS and revenue are both growing steadily — a sustainable growth profile

📊 How much has it grown? (actual results)

Past 3-Year EPS

Actual average annual EPS growth over the past 3 years

+9.8%

평균

My positionMid-range

Low range Average High range

초고성장주 초소형주 Median 27.5% · Bottom 33%

Past 5-Year Revenue

How much revenue grew over the past 5 years

+39.1%

평균

My positionMid-range

Low range Average High range

초고성장주 초소형주 Median 47.0% · Bottom 37%

⚡ Short-term momentum

QoQ Revenue

Revenue change from the previous quarter (short-term momentum)

-31.6%

평균

My positionMid-range

Low range Average High range

초고성장주 초소형주 Median 3.6% · Bottom 25%

* Forecast values are analyst consensus estimates. Ratings are determined by relative position vs. peer group of the same growth style and size.

New to investing terms? Look it up in the financial dictionary →

Has the stock risen over the long term?

Underperformed the market by 88%p over the past year

PAPL -71.6% · S&P 500 +16.0%

Excess return vs. market (price-based, ex-dividends)

1-year basis

vs S&P 500

-87.7%p

Significantly behind the market

Current position within 52-week range

Low (-111.1%p) High (-87.5%p)

Current price is 111.1% above the 52-week low and 87.5% below the 52-week high

Recent risk (last 120 trading days)

Max drawdown

-57.8%

Annualized volatility

132.6%

Technical Indicators

Bollinger Bands · MACD · RSI · Stochastics · Ichimoku 5-line · recent 136-day series

Price · Bollinger Bands · Ichimoku Cloud

close
BB Upper
BB Mid
BB Lower
Tenkan
Kijun
Cloud (SpanA/B)

Bollinger Bands are upper and lower channels showing the closing price range (20 days · 2σ). Touching the upper band = overheated; touching the lower band = oversold. Ichimoku Cloud shows trend direction and strength through colored areas. Prices above the cloud indicate an uptrend; prices below indicate a downtrend. About Bollinger Bands →

🟢

Current diagnosis · 2026-07-27

Uptrend zone

Current price $1.14 above the midline ($0.98). Normal upward flow. Above the Ichimoku cloud (bullish).

MACD (12 · 26 · 9) Expand ▼

An indicator that uses the difference between the short-term EMA (12) and long-term EMA (26) to identify trend reversals. When MACD rises above the Signal line, it is a buy signal (golden cross); when it falls below, it is a sell signal (death cross). About MACD →

🟢

Current diagnosis · 2026-07-27

Bullish momentum holding

MACD 0.016 > Signal -0.011 in positive zone + Hist positive (+0.027). Trend in progress.

RSI(14) · Stochastics %K(14) Expand ▼

RSI measures short-term buying and selling pressure on a scale of 0–100. 30 or below = oversold (a rebound may be possible); 70 or above = overbought (a pullback may be possible). Stoch %K similarly measures short-term momentum strength. RSI · Learn more about Stochastics →

🟢

Current diagnosis · 2026-07-27

Bullish zone

RSI 61.0 (above the neutral level of 50). Buying pressure leads, supporting a steady rise. Stoch %K is also 89.7.

※ "Current diagnosis" is an automated interpretation based on standard thresholds and is for reference only. Make your own comprehensive judgment before trading.

Is it attractive at this price?

In line with the industry average

Cheap on Vs. Assets·Vs. Sales, Pricey on Vs. Earnings·Vs. Cash Flow

💡 How to read this — Compare against peers in the same industry to see what the price is cheap or expensive relative to. Example: cheap vs. earnings = stock price is low relative to what the company earns; expensive vs. assets = stock price is high relative to assets on the balance sheet.

💵 Vs. Earnings Pricey

🏢 Vs. Assets Cheap

🧾 Vs. Sales Cheap

💧 Vs. Cash Flow Pricey

💵 Vs. Earnings

Forward PER Forward Price-to-Earnings Ratio

PER using next year's estimated earnings — reflects growth

59.69x

✓ Very pricey

My positionBottom 5%

Low range Average High range

Financial 초소형주 median 7.91x · Bottom 1% — expensive within the industry

💡 향후 12개월 예상 EPS 기준 PER. 현재 PER보다 낮으면 이익 성장 중

🏢 Vs. Assets

PBR Price-to-Book Ratio

Price vs. the company's asset value — below 1 trades cheaper than assets

0.56x

✓ Very cheap

My positionTop 25%

Low range Average High range

Financial 초소형주 median 1.08x · Top 14% — relatively cheap within the industry

💡 PBR 1 미만이면 청산가치 이하 (금융·제조업에서 특히 의미, IT는 낮은 비중)

🧾 Vs. Sales

PSR Price-to-Sales Ratio

Market cap vs. revenue — lower is cheaper relative to sales

1.80x

✓ Cheap

My positionMid-range

Low range Average High range

Financial 초소형주 median 3.02x · Around the industry average

💡 PSR 2 이하 저평가, 10 초과면 고평가 (고성장 기업일 때만 정당화)

💧 Vs. Cash Flow

EV/EBITDA Enterprise Value Multiple

Total enterprise value ÷ operating cash earnings — a benchmark for M&A

33.06x

✓ Pricey

My positionBottom 25%

Low range Average High range

Financial 초소형주 median 10.86x · Bottom 11% — expensive within the industry

💡 EV/EBITDA 10 이하 저평가, 20 이상이면 고평가 (M&A 밸류 기준)

Analyst target price (reference)

$5.00 vs. current price +338.6%

* Valuation is the stock's relative position within the industry peer group (same sector and market-cap range). Even when valuation looks attractive, check the 'Profitability' and 'Growth' sections too.

As of: Recent snapshot · Peer group: Financial 초소형주

Who owns it?

Ownership flow shows some pressure

Institutional net selling -18.8% · Short interest light 1.8%

📈 Recent trading flow (6 months)

🧑‍💼 Insiders (executives & directors)

No trading data for Insiders

🏦 Institutions (funds & investors)

-18.8%

Institutions large net selling

💡 Net change over the past 6 months. Shows how much insiders and institutions increased or reduced their holdings, in %.

👥 Holdings composition

🏦 Institutions 0.3%

Retail-led

Financial 초소형주 Median 30.5%

👤 Retail investors (estimated) 99.7%

Everyone excluding institutions and insiders

Institutions Insiders Retail (est.)

📉 Short-selling metrics

Short ratio

1.8%

Low — limited short-side pressure

Financial 초소형주 Median 0.2%

Past 71 days Little change

Short interest days to cover

0.1 days

Days needed to close short positions using average trading volume

🧮 Share count

Total shares outstanding 25.5M주

Float (tradable shares) 8.3M주

* Insider/institutional flows are based on net changes over the past 6 months. Trend is cumulative over the past 71 days.

How much does it pay in dividends?

This company does not pay a dividend

It may be a growth-focused firm reinvesting profits into expansion. Consider this growth-stock profile when investing.

Compare Industry Peers

💡 vs. sector average ▲ Favorable / ▼ Unfavorable (Lower PER and PBR are better; higher ROE and dividend yield are better)

Sorted by market cap, largest first

Stock	Market Cap	PER	PBR	ROE	Dividend Yield	Change
PAPL This Stock	$28.8M	-	0.6 ▲	-9.55% ▼	-	-0.9%
BRK-B	$966.4B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.5%
BRK-A	$963.1B	14.8 ▼	1.5 ▼	10.49% ▲	-	+0.1%
JPM	$954.4B	15.3 ▼	2.7 ▼	17.71% ▲	1.8% ▼	+0.8%
V	$683.1B	31.9 ▼	19.4 ▼	59.8% ▲	0.75% ▼	+1.9%
MA	$487.5B	31.9 ▼	72.8 ▼	232.56% ▲	0.63% ▼	+2.2%
Sector Avg	-	13.6	1.3	9.39%	2.62%	-

FAQ

What kind of company is 파인애플파이낸셜(PAPL)?

파인애플파이낸셜(PAPL) belongs to the Financial sector and operates in the Mortgage Finance industry.

What is the market cap of PAPL?

The market cap of PAPL is approximately $29M, ranking 5,141 within its sector.

What is the 52-week high and low for PAPL?

PAPL has recorded a 52-week high of $9.13 and a low of $0.54.

면책조항: 본 콘텐츠는 참고 자료이며 투자 권유가 아닙니다. 모든 투자의 책임은 투자자 본인에게 있습니다.