Deep-Dive Due Diligence AI Generated Report on Pineapple Financial Inc. (PAPL)

Welcome to ScanScor. What you're reading is not just a stock summary -- it's a real-time, AI-generated due diligence session crafted from live news, financial data, insider trading activity, SEC filings, and live market momentum.

These reports are generated using OpenAI's GPT-based analysis engine, guided by tightly structured prompts and expert-level data ingestion. Every insight below was assembled to help you understand the forces behind today's market movers.

Disclaimer: This report is for informational purposes only. It does not constitute financial advice. Always do your own research before making any investment.


PAPL_OUT_1 [2025-03-31 06:30:35 -0400] 2262 Bytes | 621 tokens | Cum: 621 tkns (7.76% of 8k)
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Turbo, you got one job - predict the hottest stocks of the day -- before everyone else does! Ha! So today we're looking at Pineapple Financial (PAPL) which is at 0.35 up from 0.2902. So, I pulled together a bunch of data for you to look over real fast. It's still early, 6:30:33 AM on Mon Mar 31, 2025 -0400. So, what's the verdict? You're the expert!

Here's the first list of news for Pineapple Financial:

C1 - Jan-21-25 08:00AM - Pineapple Financial Inc. Reports 34.6% Revenue Growth and 26.8% Reduction in Net Loss for First Quarter of Fiscal 2025
C2 - Dec-23-24 08:00AM - Pineapple Financial Inc. Reports 7.5% Revenue Growth in 2024, and Accelerates Growth to Start 2025
C3 - Nov-25-24 08:00AM - Pineapple Announces Strategic Partnership with BMO to Expand Homeownership Accessibility in Canada
C4 - Nov-14-24 04:15PM - Pineapple Financial, Inc. Announces Closing of $1.0 Million Registered Direct Offering at $0.60 per share
C5 - Nov-13-24 09:00AM - Correction: Pineapple Financial, Inc. Announces Pricing of $1.0 Million Registered Direct Offering at $0.60 Per Share
C6 - Nov-13-24 09:00AM 08:30AM - Pineapple Financial Unveils Renewals+ Platform, Improves Customer Retention, Adds New Revenue Streams
C7 - Nov-13-24 09:00AM 08:00AM - Pineapple Financial, Inc. Announces Pricing of $1.0 Million Registered Direct Offering
C8 - Nov-12-24 08:30AM - Pineapple Financial Expands Network with Addition of Two New Affiliate Brokerages and Reports Record Growth in Agent Network

ONLY 3 RULES for AI:
==============
1) I am a document retrieval system. You are the analyst-investigator.
2) You can request items from my lists to get more info on Pineapple Financial (PAPL)
3) AFTER requesting and reading News and SEC filings you'll write a summary, set a score, high price target and headline.
Now, your response should be only 2 or 3 chars. You can say ex., C1, C2, etc., or NEX
The NEX command delivers the NEXt list of News/SEC/Metrics
There are several more lists that use our unified document retrieval system in subsequent prompts.
Your predictons will be compared to reality to rate your accuracy. Try to predict accurately. GOOD LUCK!
Please request a document, read, summarize and score. Say something like "C1".

PAPL_IN_2 [2025-03-31 06:30:35 -0400] 2 Bytes | 2 tokens | Cum: 623 tkns (7.79% of 8k)
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C1

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Showing C1 (chunk 1 of 9): C1:
**Pineapple Financial Inc. Reports 34.6% Revenue Growth and 26.8% Reduction in Net Loss for First Quarter of Fiscal 2025**
Date: Jan-21-25 08:00AM
Source: (Newsfile)
URL: https://finance.yahoo.com/news/pineapple-financial-inc-reports-34-130000885.html

Continued Momentum with 13.3% YOY Volume Growth, 13.9% YOY Gross Billings Growth, and 20.8% YOY Net Revenue Growth Positions Company on Track for Profitability by April 2025

Toronto, Ontario--(Newsfile Corp. - January 21, 2025) - Pineapple Financial Inc. (NYSE American: PAPL), a leading provider of innovative financial solutions in the mortgage industry, today announced its financial results for the first quarter ended November 30, 2024. The company continues to make significant progress in its journey toward sustained growth and profitability, driven by operational efficiency improvements from past investments and a strong increase i

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

PAPL_IN_4 [2025-03-31 06:30:41 -0400] 560 Bytes | 121 tokens | Cum: 1039 tkns (12.99% of 8k)
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Pineapple Financial Inc. has reported a 34.6% revenue growth and a 26.8% reduction in net loss for the first quarter of the fiscal year 2025. There is also a year-on-year volume growth of 13.3%, a gross billings growth of 13.9%, and a net revenue growth of 20.8%. The company believes these improvements position it on track for profitability by April 2025. The financial solutions provider in the mortgage industry continues to progress towards sustained growth and profitability, with operational efficiency improvements and a strong increase in investments.

PAPL_OUT_5 [2025-03-31 06:30:42 -0400] 1098 Bytes | 263 tokens | Cum: 1302 tkns (16.28% of 8k)
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Showing C1 (chunk 2 of 9): n customer demand.

Revenue Growth: Pineapple Financial reported a 34.6% increase in revenue, totaling $766,074 for the quarter, up from $569,355 during the same period last year. This growth was fueled by increased customer demand, broader market presence, and ongoing enhancements to the company's service offerings.

Cash Flow Strength: As of November 30, 2024, Pineapple's cash position rose to $619,581, supported by strong financing activities and improved cash management. This robust cash flow provides the company with the liquidity to continue fueling growth initiatives and operational improvements.

Net Loss Reduction: Pineapple's net loss for the quarter was $656,894, reflecting a 26.8% improvement from a net loss of $897,757 in Q1 FY2023-2024. This reduction in net loss is a clear indicator that the company's strategy of optimizing operations and investing in high-impact growth in

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

PAPL_IN_6 [2025-03-31 06:30:42 -0400] 3 Bytes | 2 tokens | Cum: 1304 tkns (16.30% of 8k)
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NEX

PAPL_OUT_7 [2025-03-31 06:30:43 -0400] 511 Bytes | 129 tokens | Cum: 1433 tkns (17.91% of 8k)
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We present this news so you can catch the big movers from recently breaking news.
Here's a list of news articles you can literally read just by asking.
Usually the first item is the most important.

A1 - 2025-03-28T09:58:00Z - Why Braze Shares Are Trading Higher By Around 12%; Here Are 20 Stocks Moving Premarket - Alta Equipm...

Request an article by its reference number. (Ex., "A1" gets the first item)
You may also say NEX to go to the next listing.
Response to this prompt limited to 3 chars.

PAPL_IN_8 [2025-03-31 06:30:43 -0400] 2 Bytes | 2 tokens | Cum: 1435 tkns (17.94% of 8k)
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A1

PAPL_OUT_9 [2025-03-31 06:30:47 -0400] 1098 Bytes | 310 tokens | Cum: 1745 tkns (21.81% of 8k)
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Showing A1 (chunk 1 of 6): A1:
**Why Braze Shares Are Trading Higher By Around 12%; Here Are 20 Stocks Moving Premarket - Alta Equipment Group (NYSE:ALTG), Argan (NYSE:AGX)**Date: 2025-03-28Source: {'uri': 'benzinga.com', 'dataType': 'news', 'title': 'Benzinga'}URL: https://www.benzinga.com/news/25/03/44531819/why-braze-shares-are-trading-higher-by-around-12-here-are-20-stocks-moving-premarketShares of Braze, Inc. BRZE rose sharply in today's pre-market trading after the company reported better-than-expected fourth-quarter financial results and issued strong FY26 adjusted EPS guidance.

Braze reported quarterly earnings of 12 cents per share, which beat the analyst consensus estimate of five cents. Quarterly revenue came in at $160.4 million, beating the $155.72 million consensus estimate.

Braze shares jumped 11.6% to $40.96 in pre-market trading

Here are some other stocks moving in pre-market trading.

Gainers

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

PAPL_IN_10 [2025-03-31 06:30:47 -0400] 496 Bytes | 105 tokens | Cum: 1850 tkns (23.12% of 8k)
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Braze Inc.'s shares have seen a significant 11.6% increase in pre-market trading, with the price per share reaching $40.96. This development follows the company's release of its Q4 financial results, which exceeded expectations. The reported earnings of 12 cents per share surpassed the previously estimated five cents. In addition, the company's quarterly revenue was $160.4 million, exceeding the consensus estimate of $155.72 million. Braze also provided strong adjusted EPS guidance for FY26.

PAPL_OUT_11 [2025-03-31 06:30:48 -0400] 525 Bytes | 145 tokens | Cum: 1995 tkns (24.94% of 8k)
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This is our final list of news.
News AI can literally read just by asking.
Don't miss the breaking news!

B1 - 2025-02-17T22:28:00Z - Not Just a DEX: How Pineapple’s Mystery Marketing is Changing the Game
B2 - 2023-12-12T18:22:22Z - Why Johnson Controls International Shares Are Trading Lower By Over 6%? Here Are Other Stocks Moving In Tuesday's Mid-Day Session

Request an article by its reference number. (Ex., "B1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

PAPL_IN_12 [2025-03-31 06:30:48 -0400] 2 Bytes | 2 tokens | Cum: 1997 tkns (24.96% of 8k)
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B1

PAPL_OUT_13 [2025-03-31 06:30:50 -0400] 689 Bytes | 187 tokens | Cum: 2184 tkns (27.30% of 8k)
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Showing B1 (chunk 1 of 1): B1:
**Not Just a DEX: How Pineapple’s Mystery Marketing is Changing the Game**Date: Unknown DateSource: Unknown SourceURL: https://www.globenewswire.com/news-release/2025/02/17/3027435/0/en/Not-Just-a-DEX-How-Pineapple-s-Mystery-Marketing-is-Changing-the-Game.htmlPineapple is a next-generation decentralized exchange that combines AI-driven community interaction, cutting-edge trading tools, and a unique narrative-driven marketing approach to revolutionize DeFi trading and engagement.

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

PAPL_IN_14 [2025-03-31 06:30:50 -0400] 279 Bytes | 43 tokens | Cum: 2227 tkns (27.84% of 8k)
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Pineapple is a next-generation decentralized exchange that integrates artificial intelligence to enhance community interaction and provide advanced trading tools. It stands out for its unique narrative-driven marketing approach, which is transforming DeFi trading and engagement.

PAPL_OUT_15 [2025-03-31 06:30:51 -0400] 1108 Bytes | 252 tokens | Cum: 2479 tkns (30.99% of 8k)
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This is our list of SEC filings.
If empty, the search returned no recent filings.

S1 - 2025-01-21 10-Q All financial information is presented in US Dollars (USD) as the Companys presentation currency and functional currency is in Canadian Dollars (CAD). The interim financial statements are condensed and should be read in conjunction with the Companys latest annual year-end consol...

S2 - 2025-01-21 10-Q All financial information is presented in US Dollars (USD) as the Companys presentation currency and functional currency is in Canadian Dollars (CAD). The interim financial statements are condensed and should be read in conjunction with the Companys latest annual year-end consol...

S3 - 2024-12-20 10-K ITEM 7. MGT DISC & ANALYSIS OF FIN CONDS & RESULTS OF OPER.

Please read the following managements discussion and analysis of our financial condition and results of operations, along with our CONS financial statements and the related n...

Request filing by its reference number. (Ex., "S1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

PAPL_IN_16 [2025-03-31 06:30:51 -0400] 2 Bytes | 2 tokens | Cum: 2481 tkns (31.01% of 8k)
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S1

PAPL_OUT_17 [2025-03-31 06:30:56 -0400] 1098 Bytes | 231 tokens | Cum: 2712 tkns (33.90% of 8k)
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Showing S1 (chunk 1 of 6): S1:
All financial information is presented in US Dollars (USD) as the Companys presentation currency and functional currency is in Canadian Dollars (CAD). The interim financial statements are condensed and should be read in conjunction with the Companys latest annual year-end consolidated financial statements for the year ended August 31, 2024. It is managements opinion that all adjustments necessary for a fair statement of the results for the interim period has been made, and all adjustments are of a recurring nature or a description of the nature of and any amount of any adjustments other than normal recurring nature has been stated. Sufficient disclosures have been so as to not make the interim financial information misleading. There are no prior-period adjustments in these condensed interim consolidated financial statements.

Operating segments

The Company determines its reporting

--> You can ask for 1) More of this item with: MOR, 2) the NEXt section with: NEX, or 3) a different item by it's handle (ex. C3, S2) (only 3 chars don't summarize yet)

PAPL_IN_18 [2025-03-31 06:30:56 -0400] 579 Bytes | 98 tokens | Cum: 2810 tkns (35.12% of 8k)
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The company's financial data is shown in US Dollars (USD), but its functional currency is Canadian Dollars (CAD). The financial reports are condensed and should be read alongside the annual year-end consolidated financial statements from August 2024. The company believes that all necessary adjustments for a fair statement have been made, with disclosures to ensure the interim data isn't misleading. No adjustments from previous periods are contained in these condensed interim consolidated financial statements. The company's reporting is determined by its operating segments.

PAPL_OUT_19 [2025-03-31 06:31:07 -0400] 4190 Bytes | 1198 tokens | Cum: 4008 tkns (50.10% of 8k)
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This is our set of metrics.
Please analyze the numbers.

+---------------------+-----------------------+------------------------+------------------------+
| Volume: 84,921 | Perf Month: -18.44% | Option/Short: No / Yes | Sales Y/Y TTM: 43.47% |
+---------------------+-----------------------+------------------------+------------------------+
| Avg Volume: 187.08K | Perf Quarter: -35.51% | Short Float: 0.48% | ROE: -163.18% |
+---------------------+-----------------------+------------------------+------------------------+
| Rel Volume: 0.29 | Index: - | Short Ratio: 0.13 | ROI: -210.34% |
+---------------------+-----------------------+------------------------+------------------------+
| RSI (14): 39.59 | Market Cap: 2.56M | Short Interest: 0.03M | Sales Surprise: 11.51% |
+---------------------+-----------------------+------------------------+------------------------+
| ATR (14): 0.05 | Shs Outstand: 8.81M | Beta: 0.66 | EPS Surprise: -62.50% |
+---------------------+-----------------------+------------------------+------------------------+
| SMA20: -12.29% | Shs Float: 5.25M | Sales Q/Q: 13.28% | P/E: - |
+---------------------+-----------------------+------------------------+------------------------+
| SMA50: -28.79% | Inst Own: 1.73% | Sales past 5Y: 95.17% | Earnings: Jan 21 BMO |
+---------------------+-----------------------+------------------------+------------------------+
| SMA200: -54.97% | Insider Own: 40.44% | Employees: - | |
+---------------------+-----------------------+------------------------+------------------------+
| Perf Week: -9.31% | Insider Trans: 0.00% | Debt/Eq: 1.21 | |
+---------------------+-----------------------+------------------------+------------------------+

The next section covers any insider trading.
If this section may be blank due to no recent filings.

[Company Financial Summary]
[Company Details]
Name: N/A
Market Cap: N/A
Shares Outstanding: N/A
Sector: N/A

[Financial Statements - Latest Quarter]
Total Assets: N/A
Total Liabilities: N/A
Total Equity: N/A
Revenue (Quarter): {'value': 766074, 'unit': 'USD', 'label': 'Revenues', 'order': 100}
Net Income: {'value': -656894, 'unit': 'USD', 'label': 'Net Income/Loss', 'order': 3200}
Earnings Per Share (EPS): N/A

[Price Metrics - Last 30 Days]
Latest Close: 0.2902
Average Volume: 57745.2
30-Day High: 0.37
30-Day Low: 0.274

[Detailed Financials: Q1 2025]
- Total Assets: $4,137,152.0
- Total Liabilities: $2,985,250.0
- Total Equity: $1,151,902.0
- Current Assets: $957,090
- Current Liabilities: $1,786,700.0

[Income Statement: Q1 2025]
- Revenue: $766,074.00
- Net Income: N/A
- Gross Profit: N/A
- Operating Income: N/A
- Earnings Per Share (EPS): -0.13

[Cash Flow Statement: Q1 2025]
- Net Cash Flow: $242,141

[Detailed Financials: FY 2024]
- Total Assets: $4,096,592.0
- Total Liabilities: $2,747,276.0
- Total Equity: $1,349,316.0
- Current Assets: $893,491
- Current Liabilities: $1,398,906.0

[Income Statement: FY 2024]
- Revenue: $2,688,987.00
- Net Income: N/A
- Gross Profit: N/A
- Operating Income: N/A
- Earnings Per Share (EPS): -0.57

[Cash Flow Statement: FY 2024]
- Net Cash Flow: $86,976
==== END OF FINANCIAL REPORT ====

You are now requested to make a summary analysis.
Save explaining why you didn't have enough information for the final survey.

Now, complete this report with the following:

1) Brief Summary: explain your findings in succinct wording.
2) MARKET_SCORE: If you calculate a 92% likelihood of an upward moves, say: MARKET_SCORE[92]
3) PRICE_TARGET: If you think the high today will be 50% higher, add to the price.
Eg., If the current price is $5.00, add 50%. Thus, PRICE_TARGET[$7.50] -- It should be at or above the current price.
4) Provide a thought-provoking take, 6-10 words, to use for the headline of this news story.
Like this: AI_RPT_HEADLINE: [6-12 words headline for news story, distilled from summary]

1) Brief Summary, 2) MARKET_SCORE, 3) PRICE_TARGET, and 4) AI_RPT_HEADLINE

PAPL_IN_20 [2025-03-31 06:31:07 -0400] 1264 Bytes | 279 tokens | Cum: 4287 tkns (53.59% of 8k)
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1) Brief Summary: The subject company has witnessed a significant decline in performance over the month, quarter, and year with values of -18.44%, -35.51%, and -54.97% respectively. The company's average trading volume is significantly higher than its current volume, indicating a lack of investor interest. The company's return on equity (ROE) and return on investment (ROI) are negative, suggesting poor profitability and efficiency. The short float and short ratio are low, indicating that there is not much negative sentiment from the market. On the positive side, the company has seen a solid increase in sales year over year, with a TTM increase of 43.47%, and sales over the past 5 years have increased by 95.17%.

2) MARKET_SCORE: Considering the significant negative performance metrics and negative profitability ratios, the likelihood of an upward move in the near term appears to be low. MARKET_SCORE[20]

3) PRICE_TARGET: Given the current declining trend, it would be unrealistic to project a 50% increase in the current price. A more conservative approach would be a 10% increase. Therefore, if the current price is $0.29, a 10% increase would be PRICE_TARGET[$0.319]

4) AI_RPT_HEADLINE: "Company Faces Declining Performance Despite Surge in Sales"

PAPL_OUT_21 [2025-03-31 06:31:10 -0400] 676 Bytes | 167 tokens | Cum: 4454 tkns (55.67% of 8k)
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Finally, if more data could have improved your confidence which would you have chosen? **Choose one option:**
-> X0 <- Nothing more would have helped my analysis
-> X1 <- More stock-specific news
-> X2 <- More SEC filings (10-K, 10-Q, 8-K) Financials, risk disclosures, and business changes
-> X3 <- More SEC Insider Trading (Form 3, 4, 5) Direct buys/sells from executives and institutions
-> X4 <- Broader sector & market news
-> X5 <- Your past analysis on similar companies (specify metrics)
-> X6 <- More financial metrics
-> X7 <- Your past analysis on this exact company
-> X8 <- Something altogether different (explain...)

PAPL_IN_22 [2025-03-31 06:31:10 -0400] 94 Bytes | 28 tokens | Cum: 4482 tkns (56.03% of 8k)
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-> X2 <- More SEC filings (10-K, 10-Q, 8-K) Financials, risk disclosures, and business changes

PAPL_IN_23 [2025-03-31 06:31:10 -0400] 126 Bytes | 29 tokens | Cum: 4511 tkns (56.39% of 8k)
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====================================
[2025-03-31 06:31:10] # Analysis Completed
Elapsed Time: 37.14 seconds




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