PINEAPPLE FINANCIAL INC.
PAPL · Other · $1.3M mkt cap · FY2025 filings · · No moat ·
Doesn't clear the bar
The five investor questions
2022–2025 (latest 4 aligned FYs; v3 window cap 5): revenue $3.6M to $3M, decreasing; diluted EPS -0.45 to -5.31, decreasing. Latest-filed diluted EPS remains usable for Business Trend, but an integer share-count change lacks enough evidence to confirm a comparable EPS basis; valuation growth therefore stays at 0%.
Median gross margin -197.6% over 4y, variable.
Median ROIC -223.9%, above the 12% hurdle in 0% of years.
Net debt/EBITDA n/ax, interest coverage -61x.
Owner earnings changed trend unclear over up to the ten most recent annual observations, share count n/a.
Price vs. value if growth stopped today
A cautious baseline, not a price target: what the shares may support if normalized owner earnings simply hold steady.
- Not reported
- Unavailable — insufficient owner-earnings data
- Unavailable — insufficient growth-model data
- $0.94
- No price data
This zero-growth estimate assumes trailing owner earnings persist — unreliable for declining businesses. Flag status unavailable — four adjacent recent FY revenue observations are required.
Among the current top-score group, the median current price is 238% above the zero-growth estimate across 49 of the current top 50 companies by Moat Score with both values.
Score records captured Sep 4, 2026.
Exactly which 50 companies?
FTNT, META, MEDP, IBEX, MSFT, GOOG, LULU, ANF, IDXX, TXRH, FHI, QLYS, FFIV, ADBE, LLY, MANH, VEEV, RMD, GRMN, PCTY, EAT, UI, SSD, MNST, DOCS, LRCX, MCO, CPRT, NTAP, NVDA, CORT, SFM, MPTI, ULTA, SN, ROL, CTAS, PAYC, IRMD, INTU, DECK, MORN, JKHY, TPR, LGCY, DAL, GWW, ISRG, MPWR, LOPE
Missing a usable price or zero-growth estimate: ANF.
Model details under moat-index@3.0.0: zero-growth multiple 11.1×, capped-growth comparison at no more than 18×; 9% discount rate; high-end growth 0% (capped at 4%) using min(5y revenue CAGR, 5y diluted-EPS CAGR), clamped to 0%–4%; maintenance capex uses min(capex, D&A); abstain when D&A is unavailable. This is a disclosed model range, not intrinsic value as fact.
Fundamentals
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Visual explainers
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Moat Score history
Score history begins Sep 4, 2026 — the record builds forward from here.
Tier changesSame-methodology and same-normalizer crossings of the Wide / Narrow / Shallow bars
None yet — PAPL has read No moat for every logged capture since Sep 4, 2026.
Scores are logged append-only and never overwritten — this record cannot be reconstructed retroactively, which is exactly why it’s worth keeping.
Insider activity
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
The insider-filing service is temporarily unavailable, so no partial or guessed answer is shown for PAPL.
Other context
#96 of 99 scored Other companies, ranked by Moat Score.
Nearest peers by Moat Score
- #94NBND NETBRANDS CORP.21.9 out of 100, No moatNo moat
- #95CORZ Core Scientific, Inc./tx21.2 out of 100, No moatNo moat
- #97IVZ Invesco Ltd.18.7 out of 100, No moatNo moat
- #98FWDI FORWARD INDUSTRIES, INC.17.9 out of 100, No moatNo moat
Compare PAPL with its nearest peers →All Other companies on the Index →
Common questions about PAPL
- Does PINEAPPLE FINANCIAL INC. have an economic moat?
- Based on its FY2025 SEC filings, the Moat Index scores PINEAPPLE FINANCIAL INC. (PAPL) 19.6 out of 100 — below the Shallow-moat bar, so no moat. The five questions behind that score begin at 20% each; if exactly one genuinely lacks data, the other four weights are renormalized and disclosed. revenue and EPS trend 27, pricing power 0, returns on capital 0, balance-sheet safety 28, capital allocation 44.
- How has PAPL's Moat Score changed over time?
- The record logs 1 reading since Sep 4, 2026; the latest reads 19.6 out of 100 (no moat). No tier changes on record yet. The history is append-only — readings are only ever added, never rewritten.