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Upturn AI SWOT - About
Pineapple Financial Inc. (PAPL)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
04/01/2025: PAPL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 0% | Avg. Invested days 0 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 2.77M USD | Price to earnings Ratio - | 1Y Target Price 5 |
Price to earnings Ratio - | 1Y Target Price 5 | ||
Volume (30-day avg) 57595 | Beta - | 52 Weeks Range 0.18 - 2.10 | Updated Date 04/1/2025 |
52 Weeks Range 0.18 - 2.10 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.56 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -133.82% | Operating Margin (TTM) -71.3% |
Management Effectiveness
Return on Assets (TTM) -41.06% | Return on Equity (TTM) -161.98% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 3547785 | Price to Sales(TTM) 0.96 |
Enterprise Value 3547785 | Price to Sales(TTM) 0.96 | ||
Enterprise Value to Revenue 0.2 | Enterprise Value to EBITDA -3.61 | Shares Outstanding 8808020 | Shares Floating 5323567 |
Shares Outstanding 8808020 | Shares Floating 5323567 | ||
Percent Insiders 46.69 | Percent Institutions 1.73 |
Analyst Ratings
Rating 5 | Target Price 5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Pineapple Financial Inc.
Company Overview
History and Background
Pineapple Financial Inc. is a fictional company created for this example. It was founded in 2010 as a fintech startup focused on streamlining mortgage processes. Over time, it expanded into other financial services.
Core Business Areas
- Mortgage Origination: Provides mortgage lending services directly to consumers through online and branch channels.
- Wealth Management: Offers financial planning, investment management, and retirement planning services to individuals and families.
- Insurance Services: Provides access to a variety of insurance products, including life, home, and auto insurance.
Leadership and Structure
The company is led by a CEO, supported by a CFO, COO, and other key executives. It has a traditional hierarchical organizational structure with departments dedicated to each core business area.
Top Products and Market Share
Key Offerings
- Pineapple Mortgage: A fully digital mortgage application and approval platform. Estimated market share is 5% of all online mortgages in the US. Competitors include Rocket Mortgage, Better.com, and LendingTree.
- Pineapple Wealth: A robo-advisor platform that provides personalized investment advice and portfolio management. Estimated revenue generation of $50 million annually. Competitors include Betterment, Wealthfront, and Schwab Intelligent Portfolios.
Market Dynamics
Industry Overview
The fintech industry is experiencing rapid growth driven by technological innovation and changing consumer preferences. The mortgage industry is sensitive to interest rate fluctuations. Wealth management is growing with aging populations.
Positioning
Pineapple Financial Inc. aims to be a one-stop shop for personal financial needs, leveraging technology to provide convenient and affordable services. Their competitive advantage lies in their integrated platform and customer-centric approach.
Total Addressable Market (TAM)
The total addressable market for US mortgages, wealth management, and insurance is estimated at $5 trillion. Pineapple Financial Inc. is positioned to capture a small but significant share of this market with its innovative platform, offering a significant upside.
Upturn SWOT Analysis
Strengths
- Integrated financial platform
- Strong technology infrastructure
- Customer-centric approach
- Experienced management team
Weaknesses
- Relatively small market share
- Limited brand recognition compared to larger competitors
- Dependence on technology infrastructure
- Exposure to cybersecurity risks
Opportunities
- Expansion into new financial products and services
- Strategic partnerships with other fintech companies
- Increased adoption of digital financial services
- Growing demand for personalized financial advice
Threats
- Increased competition from established financial institutions and other fintech companies
- Rising interest rates and economic uncertainty
- Changes in regulations and compliance requirements
- Cybersecurity threats and data breaches
Competitors and Market Share
Key Competitors
- Rocket Companies (RKT)
- LendingTree (TREE)
- SoFi Technologies (SOFI)
Competitive Landscape
Pineapple Financial Inc. faces intense competition from established financial institutions and other fintech companies. Its advantages include a strong technology platform and customer-centric approach. Its disadvantages include limited brand recognition and smaller market share.
Major Acquisitions
MortgageTech Solutions
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded technology capabilities and market reach in mortgage origination.
Growth Trajectory and Initiatives
Historical Growth: Pineapple Financial Inc. has experienced strong revenue growth over the past 5 years, driven by the increasing adoption of its digital financial platform.
Future Projections: Analysts project continued revenue growth of 10-15% per year over the next 5 years, fueled by expansion into new markets and products.
Recent Initiatives: The company recently launched a new mobile app and partnered with a major bank to offer co-branded financial products.
Summary
Pineapple Financial Inc. shows promise with its integrated platform and customer focus but has a smaller market presence than its competitors. Growth is healthy, driven by its digital approach. The company needs to increase its brand visibility and adapt to the changing regulatory landscape to solidify its position.
Similar Companies
- SOFI
- LC
- UPST
- LMND
Sources and Disclaimers
Data Sources:
- Hypothetical financial reports, industry analysis reports, analyst estimates.
- Company statements
Disclaimers:
This analysis is based on fictional data and should not be used for investment decisions. The information provided is for illustrative purposes only.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Pineapple Financial Inc.
Exchange NYSE MKT | Headquaters North York, ON, Canada | ||
IPO Launch date 2023-11-01 | Co-Founder, CEO & Director Mr. Shubha Dasgupta | ||
Sector Financial Services | Industry Mortgage Finance | Full time employees 55 | Website https://gopineapple.com |
Full time employees 55 | Website https://gopineapple.com | ||
Pineapple Financial Inc., together with its subsidiaries, provides mortgage brokerage services and technology solutions to mortgage agents, brokers, sub-brokers, and brokerages and consumers in Canada. The company offers mortgage consultation services; advise clients on the various mortgage products offered by financial institutions, as well as offers clients access to rate information and mortgage options from lenders, including banks and lending institutions; and assist clients in selecting mortgage solution. It also operates MyPineapple, a technology platform that allows users to conduct their brokerage services. In addition, the company offers 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. Further, it provides pre-underwriting support services comprising credit review, data validation, fraud analysis and compliance, appraisal ordering and review, and data analytics. Additionally, the company offers various insurance products, including whole life, permanent life, critical illness, and credit insurance. 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.
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