Pineapple Financial Inc. Files 2024 10-K

TL;DR

Pineapple Financial Inc. dropped its 2024 10-K. Full financials for FY ending Aug 31, 2024.

AI Summary

Pineapple Financial Inc. filed its 10-K for the fiscal year ending August 31, 2024. The company, located at 111 Gordon Baker Road, Suite 200, North York, Z4, M2H3R1, operates in the Finance Services sector. This filing provides a comprehensive overview of the company's financial performance and position for the reported period.

Why It Matters

This 10-K filing provides investors and stakeholders with a detailed look at Pineapple Financial Inc.'s financial health and operational performance for the fiscal year ending August 31, 2024.

Risk Assessment

Risk Level: medium — The filing is a standard annual report and does not inherently indicate increased risk without further analysis of its contents.

Key Numbers

• 2024-08-31 — Fiscal Year End (The period covered by the 10-K report.)
• 2024-12-20 — Filing Date (The date the 10-K was submitted to the SEC.)

Key Players & Entities

• Pineapple Financial Inc. (company) — Filer of the 10-K
• 111 Gordon Baker Road, Suite 200, North York, Z4, M2H3R1 (location) — Business and mailing address
• August 31, 2024 (date) — End of the fiscal year reported
• 20241220 (date) — Filing date

FAQ

Key Financial Figures

• $117 — subscription service revenue stream is $117 for use of our platforms by our agents
• $390 — e and the structure for this service is $390 per deal for a mortgage funded amount o
• $390,000 — er deal for a mortgage funded amount of $390,000 and over. For a mortgage funded amount
• $273 — funded amount under $390,000 the fee is $273. 3. The balance of our total gross r

Filing Documents

• form10-k.htm (10-K) — 1684KB
• ex19-1.htm (EX-19.1) — 65KB
• ex31-1.htm (EX-31.1) — 12KB
• ex31-2.htm (EX-31.2) — 19KB
• ex32-1.htm (EX-32.1) — 10KB
• ex97-1.htm (EX-97.1) — 51KB
• form10-k_001.jpg (GRAPHIC) — 13KB
• form10-k_002.jpg (GRAPHIC) — 3KB
• form10-k_003.jpg (GRAPHIC) — 2KB
• form10-k_004.jpg (GRAPHIC) — 2KB
• 0001493152-24-051101.txt ( ) — 6743KB
• papl-20240831.xsd (EX-101.SCH) — 51KB
• papl-20240831_cal.xml (EX-101.CAL) — 67KB
• papl-20240831_def.xml (EX-101.DEF) — 116KB
• papl-20240831_lab.xml (EX-101.LAB) — 414KB
• papl-20240831_pre.xml (EX-101.PRE) — 308KB
• form10-k_htm.xml (XML) — 883KB

Business

Business 1 Item 1A.

Risk Factors

Risk Factors 17 Item 1B. Unresolved Staff Comments 34 Item IC. Cybersecurity 34 Item 2.

Properties

Properties 34 Item 3.

Legal Proceedings

Legal Proceedings 34 Item 4. Mine Safety Disclosures 34 Part II Item 5. Market For Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 34 Item 6. [Reserved] 35 Item 7.

Management's Discussion and Analysis of Financial Condition and Results of Operations

Management's Discussion and Analysis of Financial Condition and Results of Operations 35 Item 7A.

Quantitative and Qualitative Disclosures about Market Risk

Quantitative and Qualitative Disclosures about Market Risk 4 9 Item 8.

Financial Statements and Supplementary Data

Financial Statements and Supplementary Data 5 1 Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 51 Item 9A.

Controls and Procedures

Controls and Procedures 51 Item 9B. Other Information 51 Item 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections 51 Part III Item 10. Directors, Executive Officers and Corporate Governance 52 Item 11.

Executive Compensation

Executive Compensation 5 8 Item 12.

Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 61 Item 13. Certain Relationships and Related Transactions, and Director Independence 62 Item 14. Principal Accountant Fees and Services 6 3 Part IV Item 15. Exhibit and Financial Statement Schedules 64 Item 16. Form 10-K Summary 64

Signatures

Signatures 65 i CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS This Annual Report on Form 10-K contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended (the "Securities Act"), and Section 21E of the Securities Exchange Act of 1934, as amended (the "Exchange Act"). Any statements in this Annual Report on Form 10-K about our expectations, beliefs, plans, objectives, assumptions or future events or performance are not historical facts and are forward-looking statements. These statements are often, but not always, made through the use of words or phrases such as "believe," "will," "expect," "anticipate," "estimate," "intend," "plan" and "would." For example, statements concerning financial condition, possible or assumed future results of operations, growth opportunities, industry ranking, plans and objectives of management, markets for our common stock and future management and organizational structure are all forward-looking statements. Forward-looking statements are not guarantees of performance. They involve known and unknown risks, uncertainties and assumptions that may cause actual results, levels of activity, performance or achievements to differ materially from any results, levels of activity, performance or achievements expressed or implied by any forward-looking statement. Any forward-looking statements are qualified in their entirety by reference to the risk factors discussed throughout this Annual Report on Form 10-K. Some of the risks, uncertainties and assumptions that could cause actual results to differ materially from estimates or projections contained in the forward-looking statements include, but are not limited to: the timing of the development of future services, projections of revenue, earnings, capital structure and other financial items, regarding the capabilities of our business operations, of expected future economic performance,

View Full Filing

View this 10-K filing on SEC EDGAR