# PINEAPPLE FINANCIAL INC. (PTIV) · Edgar & Edgarette company card

> Pineapple Financial (PTIV) grew revenue 11.1% in FY2025 to $3 million, operating margin -98.7% against a -6.4% median for finance services, equity 16.7% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1938109 · fiscal year ended 2025-08-31 · 4 audited years read · [page](https://www.pops4.com/boards/company/PTIV) · [JSON](https://www.pops4.com/boards/company/PTIV.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $3M |
| Revenue growth, 1 year | 11.1% |
| Revenue growth per year | -6.0% |
| Operating margin | -98.7% (prior year -142.2%) |
| Net margin | -121.8% |
| Operating cash flow | −$946,820 |
| Capital spending | — |
| Free cash flow | — |
| Cash | — |
| Long-term debt | — |
| Total assets | $5M |
| Total equity | $906,679 |
| Equity ÷ assets | 16.7% |
| Return on equity | -401.3% |
| Dividend per share | — |
| Dividend years rising | — |

## Readings, computed from those figures

- Piotroski F: 4 of 9 (middling)
- Health Harbor boat: Rotting at the dock · four or more warning signs · filed late annual report notice, late quarterly report notice, auditor change in the last 12 months; liabilities exceed assets (often from years of share buybacks, not always distress); operating cash flow was negative; operating loss: a margin of -98.7% in FY2025; revenue is hard to predict: its 80% range is ±51%
- Cash Compass: In between · no clear cash pattern yet

## Edgarette's reading

Exposure: revenue $3.0M (FY2025). Experience: revenue up 11.1% on the year, down 6.0% a year over 3 years; operating margin -98.7%, up from -142.2%. Soundness: equity 16.7% of assets, return on equity -401.3%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $1.7M and $5.2M next year (method v4.1: its own 3-year record of growth weighed at 40% against under $50M filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $1.6M to $5.7M. A statistical range, not company guidance. Against peers (36 filers, $50M+ revenue, finance services): operating margin -98.7% against a -6.4% median; growth 11.1% against 16.8%.

## Health Watch, last 12 months

- Item NT 10-K Late annual report notice: 1, latest 2025-12-01 ([filing](https://www.sec.gov/Archives/edgar/data/1938109/000149315225025602/0001493152-25-025602-index.htm))
- Item NT 10-Q Late quarterly report notice: 2, latest 2026-07-15 ([filing](https://www.sec.gov/Archives/edgar/data/1938109/000149315226033356/0001493152-26-033356-index.htm))
- Item 4.01 Auditor change: 1, latest 2026-06-03 ([filing](https://www.sec.gov/Archives/edgar/data/1938109/000149315226027046/0001493152-26-027046-index.htm))
- Item 5.02 Director or officer change: 3, latest 2026-10-15 ([filing](https://www.sec.gov/Archives/edgar/data/1938109/000149315226047167/0001493152-26-047167-index.htm))

## Recent filings

- 8-K · filed 2026-10-15 · 5.02 Departure or Election of Directors; Appointment of Officers; 7.01 Regulation FD Disclosure; 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1938109/000149315226047167/0001493152-26-047167-index.htm)
- 10-Q · filed 2026-07-20 · [filing](https://www.sec.gov/Archives/edgar/data/1938109/000149315226033926/0001493152-26-033926-index.htm)
- 8-K · filed 2026-06-03 · 4.01 Changes in Registrant's Certifying Accountant; 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1938109/000149315226027046/0001493152-26-027046-index.htm)
- 8-K · filed 2026-04-22 · 7.01 Regulation FD Disclosure; 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1938109/000149315226018582/0001493152-26-018582-index.htm)
- 10-Q · filed 2026-04-13 · [filing](https://www.sec.gov/Archives/edgar/data/1938109/000149315226016374/0001493152-26-016374-index.htm)
- 8-K · filed 2026-03-18 · 5.07 Submission of Matters to a Vote of Security Holders · [filing](https://www.sec.gov/Archives/edgar/data/1938109/000149315226011274/0001493152-26-011274-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001938109.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1938109

## Cite

POPS4, Edgar & Edgarette: PINEAPPLE FINANCIAL INC. (PTIV) company card, from the company's own SEC filings, accessed 2026-11-12, https://www.pops4.com/boards/company/PTIV. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.