Pineapple Financial (PAPL) Debt Ratio (2023 - 2026)
Pineapple Financial (PAPL) posted Debt Ratio of 0.28 for Q2 2026, down 27.18% sequentially from 0.39 in Q1 2026, and up 109.92% YoY from 0.13 in Q2 2025.
Pineapple Financial (PAPL) Debt Ratio (2023 - 2026) Analysis & Trends
Pineapple Financial has reported Debt Ratio for 4 years, with the latest figure at 0.28 in Q2 2026.
- Quarterly Debt Ratio rose 109.92% year-over-year to 0.28 in Q2 2026, while the trailing twelve-month figure through May 2026 was 0.28 (up 109.92% YoY) and the FY2025 annual result came in at 0.12, changed N/A from the prior year.
- Debt Ratio eased to 0.28 in Q2 2026 per PAPL's latest filing, from 0.39 in the prior quarter.
- Over five years, Debt Ratio peaked at 1.13 in Q4 2025 and troughed at 0.08 in Q4 2023.
- A 4-year average of 0.27 and a median of 0.14 in 2025 frame the typical range for Debt Ratio.
- The sharpest annual moves came in 2024 and 2025: Debt Ratio soared 47.34% in 2024, then surged 850.21% in 2025.
- Over 4 years, Debt Ratio stood at 0.08 in 2023, then jumped by 47.34% to 0.12 in 2024, then soared by 850.21% to 1.13 in 2025, then tumbled by 74.93% to 0.28 in 2026.
- According to Business Quant data, Debt Ratio over the past three periods registered 0.28, 0.39, and 1.13 for Q2 2026, Q1 2026, and Q4 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 39.30 Bn | 36.19 Bn | - | 0.27 |
| 2 | Federal National Mortgage Association Fannie Mae | 36.55 Bn | 36.55 Bn | - | - |
| 3 | Federal Home Loan Mortgage | 18.37 Bn | 14.05 Bn | - | 0.05 |
| 4 | PennyMac Financial Services | 3.91 Bn | 3.16 Bn | 480.08 Mn | 0.16 |
| 5 | CNFinance Holdings | 1.52 Bn | 1.45 Bn | - | 0.27 |
| 6 | Walker & Dunlop | 1.34 Bn | 1.18 Bn | - | 0.17 |
| 7 | Velocity Financial | 708.95 Mn | -6.74 Bn | - | 0.07 |
| 8 | UWM Holdings | 477.60 Mn | -20.81 Mn | - | 0.17 |
| 9 | Onity | 305.53 Mn | 109.23 Mn | - | 0.29 |
| 10 | Pineapple Financial | 29.62 Mn | 19.11 Mn | - | 0.28 |
Historic Data
Download Data| Date | Value |
|---|---|
| May 31, 2026 | 0.28 |
| Feb 28, 2026 | 0.39 |
| Nov 30, 2025 | 1.13 |
| Aug 31, 2025 | 0.12 |
| May 31, 2025 | 0.13 |
| Feb 28, 2025 | 0.15 |
| Nov 30, 2024 | 0.12 |
| Feb 29, 2024 | 0.10 |
| Nov 30, 2023 | 0.08 |
| Aug 31, 2023 | 0.19 |