S-1 · resale registration
Issued 2025
Proposed maximum
Shares registered
- Filed
- Effective
PTIV$0.7475+2.86%
Pineapple Financial Inc.
Sector: Finance ServicesIndustry: Financial - Credit ServicesCountry: CAExchange: NYSE
Mkt Cap:$18.89M
Float & O/S:
Inst Own:
DilutionScan read 15 of Pineapple Financial Inc.'s SEC filings and found 5 warrant series, 1 convertible, 2 equity lines, 1 shelf registration, 3 S-1 registrations and 1 completed offering on file for PTIV. The latest dilution event on file is an offering on Jan 6, 2026. Analysis updated Oct 4, 2026.
Signal8 Summary
7d old
PTIV
Cash-strained micro-cap, severe dilution overhang
- Business
- WeakNet loss $3.6M on $3.0M revenue, 4.5-month runway
- Stock risk
- High$21.5M cap, 1,017% overhead supply, beta 2.34
Snapshot
Pineapple Financial is a small Canadian mortgage brokerage and technology company with $3.0M in FY 2025 revenue, up 11% YoY, but it lost $3.6M for the year, more than the revenue it brought in.
What's Happening Right Now
- : On Oct 15, 2026, Pineapple Financial launched an intelligence platform for mortgage agents and brokerages under a new operating brand, Pentiv, aimed at broader commercialization across independent brokerages and networks.
- : Raised $21.95M in gross proceeds through a private placement (PIPE), with warrants over 1.04M shares.
- : Registered 25.68M shares for sale on Form S-1.
- : Issued warrants over 159K shares.
Raise routes on file: effective shelf + effective S-1 + active equity line · latest dilution event 301 days ago
Overall Risk
Offering Ability
Overhead Supply
Historical
Cash Need
AI dilution summary
The dominant contractual driver and its mechanism, then each further driver ranked.
Latest dilution event
Jan 6, 2026 · Offering
Every warrant, convertible, ATM and shelf, cited to the filing
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$59/mo with 7 days free, or $49/mo billed yearly ($588/yr)
Share count and cash history
Shares outstanding, potential dilution and cash over time
Effective
S-1 · primary offering
Issued 2025
Proposed maximum
Shares registered
- Filed
- Effective
S-1 · resale registration
Issued 2024
Proposed maximum
Shares registered
- Filed
- Effective
Warrant
Issued 2026
Shares Underlying
Exercise Price
Outstanding
- Type
- Anti-Dilution
- Cashless Exercise
- Expiration
S-1 public offering warrants (May 5, )
Issued 2025
Shares Underlying
Exercise Price
Outstanding
- Type
- Anti-Dilution
- Cashless Exercise
- Expiration
IPO underwriter warrants (November 3, )
Issued 2023
Shares Underlying
Exercise Price
Outstanding
- Type
- Anti-Dilution
- Cashless Exercise
- Expiration
Warrant
Issued 2024
Shares Underlying
Exercise Price
Outstanding
- Type
- Anti-Dilution
- Cashless Exercise
- Expiration
Warrant
Shares Underlying
Exercise Price
Outstanding
- Type
- Anti-Dilution
- Cashless Exercise
- Expiration
Convertible
Principal
Conversion Price
Remaining principal
- Shares on conversion
- Interest rate
- Maturity
Equity line
Issued 2025
Commitment
Sold to date
Remaining
- Agreement date
- Term ends
- Discount
Equity line
Issued 2024
Commitment
Sold to date
Remaining
- Agreement date
- Term ends
- Discount
S-3 shelf registration
Issued 2024
Total capacity
Remaining
- Filed
- Effective
- Expires
- Baby shelf
PIPE
Issued 2026
Gross proceeds
Price per share
- Shares issued
- Warrant coverage
- Placement agent
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Exercise prices, conversion terms, shelf headroom and the filing sentence behind every number.
$59/mo with 7 days free, or $49/mo billed yearly ($588/yr)
