Pineapple Financial (PAPL) Fundamental Analysis: Revenue, Earnings & Valuation

7.89 / 10

Outperform

The fundamental assessment is favorable (7.9/10). Key strengths include a low income tax to total profit ratio (19.87%) and positive PB-ROE (-0.9031), both placing PAPL in high-performing quartiles. Asset turnover metrics are moderate, and only days sales outstanding registers a low score (1/10), indicating slow receivable collection. Overall, the balance sheet and profitability remain solid, supporting an Outperform rating.

Analysis Checks(5/10)

Revenue-MV

Value0.34

Score0/3

Weight-2.73%

1M Return-3.20%

Days sales outstanding

Value14.91

Score1/3

Weight-0.89%

1M Return-1.09%

Profit-MV

Value0.32

Score3/3

Weight53.73%

1M Return50.86%

Net income-Revenue

Value0.27

Score3/3

Weight11.23%

1M Return11.99%

Accounts receivable turnover ratio

Value24.14

Score1/3

Weight1.17%

1M Return1.09%

PB-ROE

Value-0.90

Score3/3

Weight20.81%

1M Return25.93%

Income tax / Total profit (%)

Value19.87

Score3/3

Weight8.14%

1M Return7.11%

Current assets turnover ratio

Value1.86

Score0/3

Weight1.03%

1M Return1.20%

Total assets turnover ratio

Value0.63

Score1/3

Weight1.53%

1M Return1.39%

Asset-MV

Value-1.56

Score2/3

Weight5.99%

1M Return6.93%

Is PAPL undervalued or overvalued?

PAPL scores 7.89/10 on fundamentals and holds a Discounted valuation at present. Backed by its 0.00% ROE, -320.02% net margin, -1.97 P/E ratio, -3.38 P/B ratio, and 46.12% earnings growth, these metrics solidify its Outperform investment rating.