Spoken Alpha
PAPL
Pineapple Financial Inc.
Overview
Pineapple Financial Inc is a Financial Services company operating in Mortgage Finance with a $26.6M market cap.
Most recent reported earnings: Q3 FY2026 (Jul 12, 2026).
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
Earnings history
- Q3 FY20262026-07-12EPS— vs ——Rev— vs ——EODHD
- Q2 FY20262026-04-12EPS$-1.21 vs ——Rev$3.7M vs ——EODHD
- Q1 FY20262025-12-02EPS$-1.58 vs ——Rev$4.4M vs ——EODHD
- Q4 FY20252025-12-02EPS$-1.58 vs ——Rev$4.4M vs ——EODHD
- Q3 FY20252025-07-13EPS$-1.36 vs $-2.00+32.0%Rev$746.9K vs ——EODHD
- Q2 FY20252025-04-13EPS$-1.74 vs $-1.20-45.0%Rev$743.3K vs ——EODHD
- Q1 FY20252025-01-20EPS$-1.93 vs $-1.60-20.6%Rev$766.1K vs ——EODHD
- Q4 FY20242024-10-29EPS$-0.15 vs ——Rev$15.6M vs ——EODHD
- Q3 FY20242024-07-14EPS$-2.50 vs $-2.00-25.0%Rev$736.4K vs ——EODHD
- Q2 FY20242024-04-30EPS$-2.00 vs ——Rev$3.9M vs ——EODHD
- Q1 FY20242023-11-29EPS$-2.50 vs ——Rev$4.2M vs ——EODHD
- Q4 FY20232023-11-29EPS$-2.50 vs ——Rev$4.2M vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q3 FY2026 | 2026-07-12 | — | — | — | — | — | — | EODHD |
| Q2 FY2026 | 2026-04-12 | $-1.21 | — | — | $3.7M | — | — | EODHD |
| Q1 FY2026 | 2025-12-02 | $-1.58 | — | — | $4.4M | — | — | EODHD |
| Q4 FY2025 | 2025-12-02 | $-1.58 | — | — | $4.4M | — | — | EODHD |
| Q3 FY2025 | 2025-07-13 | $-1.36 | $-2.00 | +32.0% | $746.9K | — | — | EODHD |
| Q2 FY2025 | 2025-04-13 | $-1.74 | $-1.20 | -45.0% | $743.3K | — | — | EODHD |
| Q1 FY2025 | 2025-01-20 | $-1.93 | $-1.60 | -20.6% | $766.1K | — | — | EODHD |
| Q4 FY2024 | 2024-10-29 | $-0.15 | — | — | $15.6M | — | — | EODHD |
| Q3 FY2024 | 2024-07-14 | $-2.50 | $-2.00 | -25.0% | $736.4K | — | — | EODHD |
| Q2 FY2024 | 2024-04-30 | $-2.00 | — | — | $3.9M | — | — | EODHD |
| Q1 FY2024 | 2023-11-29 | $-2.50 | — | — | $4.2M | — | — | EODHD |
| Q4 FY2023 | 2023-11-29 | $-2.50 | — | — | $4.2M | — | — | EODHD |
Source: EODHD. PAPL reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks PAPL's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Misses consensus 10/10 quarters
SampleRepeated misses without a guidance reset suggest management is structurally optimistic relative to operating reality. Track whether next-quarter guidance is being benchmarked off the prior miss or the prior plan.
Missed in 4 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $2.53 | $3.56 | -28.8% | -3.1% | -3.9% |
| Q4 FY2026 | $2.40 | $3.33 | -27.8% | -9.5% | -9.2% |
| Q3 FY2026 | $2.39 | $3.36 | -29.0% | -8.2% | -6.8% |
| Q2 FY2026 | $2.89 | $3.56 | -18.7% | -5.5% | -4.3% |
| Q1 FY2025 | $2.53 | $3.47 | -27.0% | -3.8% | -5.5% |
| Q4 FY2025 | $2.69 | $3.41 | -21.0% | -0.4% | +1.7% |
| Q3 FY2025 | $3.03 | $3.63 | -16.4% | -6.5% | -9.1% |
| Q2 FY2025 | $2.57 | $3.51 | -26.8% | -1.9% | +0.2% |
| Q1 FY2024 | $2.65 | $3.59 | -26.2% | -2.4% | -2.5% |
| Q4 FY2024 | $2.90 | $3.66 | -20.9% | -6.5% | -7.2% |
Guidance change history
Sample- Q1 FY2026Lowered2026-04-15
- Q4 FY2026Lowered2026-13-15
- Q3 FY2026Lowered2026-10-15
- Q2 FY2026Lowered2026-07-15
- Q1 FY2025Lowered2025-04-15
- Q4 FY2025Lowered2025-13-15
- Q3 FY2025Lowered2025-10-15
- Q2 FY2025Lowered2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Shubha-jeet DasguptaCEO2 yr 9 mo1 callCurrentSample
CEO since 2023 • 9/12 beats (75%) • last guidance cut Q2 FY2026
- Syed Sarfraz HabibCFO2 yr 9 mono recorded callsCurrentSample
CFO since 2023 • 8/12 beats (67%) • last guidance raise Q1 FY2026
- Kendall Leo MarinCOO2 yrno recorded callsCurrentSample
COO since 2024 • 6/8 beats (75%) • last call held guidance Q1 FY2026
- Christa Lillian MitchellCSO1 mono recorded callsFormerSample
OTHER_C_SUITE since 2024 • 6/8 beats (75%) • last call held guidance Q2 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for PAPL.
$ curl https://api.spokenalpha.com/v1/companies/PAPLFAQ
Frequently asked about PAPL
Where can I find Pineapple Financial Inc.'s (PAPL) earnings call transcripts?
Spoken Alpha indexes PAPL's earnings call transcripts at https://spokenalpha.com/companies/PAPL. Each call links to attributed speakers and parsed analyst Q&A. Pineapple Financial Inc.'s own investor relations page is at https://gopineapple.com/investor-relations.
When was Pineapple Financial Inc.'s most recent earnings call?
Pineapple Financial Inc. (PAPL) held its most recent earnings call on 2026-04-16, covering fiscal Q2 2026.
What sector is PAPL in?
Pineapple Financial Inc. (PAPL) operates in the Financial Services sector (Mortgage Finance industry).