Ultime notizie per Pineapple Financial (AMEX:PAPL) Azioni

Pineapple Financial

Pineapple Financial Inc is a Canada-based mortgage technology and brokerage company that provides mortgage brokerage services and technology solutions to Canadian mortgage agents, brokers, sub-brokers, brokerages, and consumers. Through its data-driven systems together with cloud-based tools, it offers advantages in the Canadian mortgage industry relative to alternative mortgage broker arrangements and also provides back office services.

Pineapple Financial Inc

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Insider Trades

GameStop Form4 Filing Shows CEO Ryan Cohen Bought 500,000 Shares At An Average Price Of $21.55/Share

Billionaire Mark Cuban has never shied away from speaking out about what's wrong with the <a href="https://www.benzinga.com/personal-finance/25/02/43420762/us-health-care-ranks-last-among-wealthy-nations-study-reveals-despite-highest-spending-people-have-lower-than-average-life-expectancies">U.S. healthcare system</a>. In a recent post <a href="https://x.com/mcuban/status/1906368260406145196">on X</a>, Cuban explained that healthcare should be simple, but it's become overly complicated by big insurance companies and pharmacy benefit managers. These groups, he says, act as middlemen, controlling not just the costs but also the accessibility of care.
For Cuban, healthcare should come down to two basic questions:
<ul>
<li>What's the cost?</li>
<li>How can the patient afford it?</li>
</ul>
But according to him, PBMs and <a href="https://www.benzinga.com/25/02/43932776/mark-cuban-slams-fd-up-healthcare-system-blames-insurance-designed-deductibles-for-patient-bankruptcy">insurance companies</a> add unnecessary complexity, controlling which doctors and medications patients can access. Cuban doesn't mince words when it comes to his frustration with this system, saying, "They are able to do so because they control the flow of patients for hospitals/providers and drug manufacturers. They are the gatekeepers for trillions of dollars of healthcare spending. Everyone has to kiss their a&#8211; and accept the complications."
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<li>‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. <a href="https://www.benzinga.com/money/mode-mobile-2">You can invest today for just $0.26/share with a $1000 minimum.</a></li>
<li>If there was a new fund backed by Jeff Bezos offering a <a href="https://www.benzinga.com/money/arrived-private-credit-fund">7-9% target yield with monthly dividends would you invest in it</a>?</li>
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<h2 class="wp-block-heading">How PBMs Are Driving Up Drug Prices</h2>
Cuban has been particularly vocal about PBMs, which act as go-betweens for drug manufacturers, pharmacies, and insurers. In a <a href="https://www.drugchannels.net/2024/03/mark-cuban-five-ways-that-big-pbms-hurt.html">post</a> for Drug Channels, he laid out five key ways PBMs are making the healthcare system worse:
<ol>
<li>Lack of Transparency: PBMs often keep their pricing and contracts hidden, making it hard for consumers to shop around and compare prices.</li>
<li>Inflated Specialty Drug Prices: PBMs label certain medications as "specialty drugs" and then drastically increase the prices. However, Cuban wrote that there's "nothing special about most of these drugs."</li>
<li>Rebate Distortion: PBMs negotiate rebates with drug manufacturers, but the savings don't necessarily reach the consumer. Instead, they can lead to higher costs for patients in need of expensive medications.</li>
<li>Formulary Restrictions: PBMs decide which drugs are covered based on their own financial incentives rather than medical necessity, limiting treatment options for patients.</li>
<li>"Sh&#8211;ing on" Independent Pharmacies: "S———ing is the appropriate word to describe the financial abuse that we've heard about from non-captive pharmacies," Cuban wrote." Small, independent pharmacies often can't compete with PBMs, which charge them unpredictable fees and can conduct audits at will, sometimes driving them out of business.</li>
</ol>
Trending: BlackRock is calling 2025 the year of alternative assets. <a href="https://www.benzinga.com/money/masterworks">One firm from NYC has quietly built a group of 60,000+ investors who have all joined in on an alt asset class previously exclusive to billionaires like Bezos and Gates.</a>
<h2 class="wp-block-heading">Cuban's Solution: Transparency and Direct-to-Consumer Pricing</h2>
To address these issues, Cuban co-founded <a href="https://www.benzinga.com/personal-finance/25/02/43435413/mark-cubans-cost-plus-marketplace-now-sells-over-6000-medicines-saving-customers-between-40-60-by-cutting-out-the-middle-man">Cost Plus Drug Company</a>. The company cuts out PBMs entirely, offering consumers a chance to buy medications at a transparent price. Cost Plus Drugs charges a fixed 15% markup on the wholesale price, along with a small pharmacy and shipping fee.
In a <a href="https://ldi.upenn.edu/our-work/research-updates/mark-cuban-explains-his-battle-against-pharmacy-benefit-managers/">conversation</a> at the University of Pennsylvania, Cuban pointed out how much trust has been lost in the healthcare system. He says that transparency could be the key to winning that trust back. That's why his company is committed to showing consumers exactly what they're paying for—something that most drug pricing models don't do.
See Also: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.
<h2 class="wp-block-heading">Can Healthcare Reform Fix the Problem?</h2>
Cuban has repeatedly said that <a href="https://www.benzinga.com/personal-finance/24/12/42742855/mark-cuban-says-this-is-single-payer-how-his-healthcare-model-could-transform-the-u-s-healthcare-system">removing PBMs from the equation</a> would make healthcare more affordable and clear. He argues that if PBMs were out of the picture, the trillions of dollars saved could go toward helping the patients who can't afford care.
"There is a fix," Cuban wrote. "The federal government, states, and self-insured employers can stop doing business with the big three PBMs…State and federal agencies and big companies could switch out from those big PBMs and use their competitors. This would change an entire industry in less than five years."
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</ul>

Personal Finance

Mark Cuban Says Big Insurance Companies And PBMs Control Healthcare Costs, 'Everyone Has To Kiss Their A-- And Accept The Complications'

Despite Wall Street continuing to tumble at the start of the second quarter of 2025, a small group of S&amp;P 500 stocks has remained nearly untouched by the chaos triggered by <a href="https://www.benzinga.com/topic/tariffs">Donald Trump's tariff policies.</a>
Stocks that delivered standout gains in the first quarter have held their ground through the opening week of the second quarter, showing resilience as the broader market sank under pressure from tariffs and softening earnings outlooks.
The five best-performing S&amp;P 500 names in Q1 2025 — CVS Health Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CVS#NYSE">CVS</a>), Philip Morris International Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PM#NYSE">PM</a>), Newmont Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NEM#NYSE">NEM</a>), Cencora Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COR#NYSE">COR</a>) and Vertex Pharmaceuticals Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VRTX#NASDAQ">VRTX</a>) — have seen only minimal declines in recent days, defying a sharp 10% drop in the S&amp;P 500 index fueled by mounting trade tensions and concerns over recession. 
<h3 class="wp-block-heading">Quarterly Stars In A Cloudy Market</h3>
Let's break it down:
<ul>
<li>CVS Health soared 50.9% in Q1, posting its best quarterly gain since 1975. While the S&amp;P 500 dropped 10% in the first week of April, CVS is only down 5% in Q2.</li>
<li>Philip Morris jumped 31.9% last quarter, reaching multiple record highs and logging its second-best quarter since going public in 2008. PM is down 4.8% thus far in April.</li>
<li>Newmont rode the gold wave. With gold prices up 19%, the mining giant surged 29.7%, its strongest 3-month performance since early 2020. NEM fell 7.2% in Q2, yet showed a more contained drop than the broader market.</li>
<li>Cencora, formerly AmerisourceBergen, posted a 23.8% rise, and remains up 0.2% this month, dodging the tariff-driven downturn.</li>
<li>Vertex Pharmaceuticals climbed 21% in Q1, and has stayed flat so far in Q2, showing impressive stability in biotech.</li>
</ul>
<h3 class="wp-block-heading">But How Much More Room To Run?</h3>
Despite their impressive runs, future gains may be limited. Analyst consensus shows only Newmont and CVS have potential upside of 25.8% and 13.2%, respectively, based on median price targets. 
For the others, the path forward looks far less compelling. With valuations already stretched and macroeconomic risks mounting — from renewed trade tensions to signs of weakening corporate margins — the potential for further gains could quickly evaporate if analysts begin slashing forecasts in the coming weeks.
<figure class="wp-block-table is-style-stripes"> 
<table>
<thead>
<tr>
<th>Company</th>
<th>Q1 2025 Price Change</th>
<th>YTD Price Change</th>
<th>Median Target Upside</th>
</tr>
</thead>
<tbody>
<tr>
<td>CVS Health (CVS)</td>
<td>+50.9%</td>
<td>+43.71%</td>
<td>+13.16%</td>
</tr>
<tr>
<td>Philip Morris (PM)</td>
<td>+31.9%</td>
<td>+26.02%</td>
<td>+2.86%</td>
</tr>
<tr>
<td>Newmont Corporation (NEM)</td>
<td>+29.7%</td>
<td>+21.77%</td>
<td>+25.77%</td>
</tr>
<tr>
<td>Cencora Inc. (COR)</td>
<td>+23.8%</td>
<td>+23.78%</td>
<td>+0.68%</td>
</tr>
<tr>
<td>Vertex Pharmaceuticals (VRTX)</td>
<td>+21.0%</td>
<td>+19.20%</td>
<td>+6.66%</td>
</tr>
</tbody>
</table>
<figcaption class="wp-element-caption">Data as of April 7, 2025</figcaption></figure>
Read Next: 
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</ul>
Image created using artificial intelligence via Midjourney.

Education

Econ #s

VRTX

These 5 S&P 500 Winners Held Strong In Q1 — Can The Rally Continue?

U.S. Treasury Secretary Bessent Says: It Is My Hope That Through Good Negotiations, Tariff Levels Will Come Down For Countries That Don't Retaliate

Bessent: Japan's Non-Tariff Trade Barriers Are Quite High; I Think We're Going to Have Very Productive Negotiations On Non-Tariff Barriers

WIIM

streetTRACKS Dow Jones U.S. Large Cap Value Index Fund

Shares of health insurers are trading higher following a WSJ report indicating the Trump administration will increase payment rates for Medicare insurers.

Guidance

Greenbrier Updates FY25 Revenue From $3.35B-$3.65B To $3.15B-$3.35B Vs $3.597B Est.

-Fox Business Network Interview
-Fox Business Network Interview

U.S. Treasury's Bessent Says: Has Not Seen A Trade Offer From Japan;  Expects Japan to Get Priority In Negotiations Because They Came Forward Early

Biotech

General

ATOS

Atossa Therapeutics Files Petition For Post Grant Review Against Company; Intas Pharmaceuticals Files Petition For Inter Partes Review Against Company; To Contest PGR and LPR Petitions

Dividends

Greenbrier Increases Quarterly Dividend To $0.32

Rein Therapeutics (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RNTX#NASDAQ">RNTX</a>) reported quarterly losses of $(1.89) per share. This is a 22.73 percent decrease over losses of $(1.54) per share from the same period last year.

Earnings

RNTX

Rein Therapeutics Q4 EPS $(1.89) Down From $(1.54) YoY

<a href="https://www.wsj.com/health/healthcare/private-medicare-plans-to-get-big-payment-boost-from-trump-administration-017d9aaa" title="https://www.wsj.com/health/healthcare/private-medicare-plans-to-get-big-payment-boost-from-trump-administration-017d9aaa">https://www.wsj.com/health/healthcare/private-medicare-plans-to-get-big-payment-boost-from-trump-administration-017d9aaa</a>

Health Care

WSJ: 'Medicare Advantage plans will get a 5.06% rate increase, well above the 2.23% bump that the Biden administration proposed'

AGMH

AGM Group Holdings shares are trading lower after the company announced it received a Nasdaq Determination Notice.

Greenbrier Companies (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GBX#NYSE">GBX</a>) reported quarterly earnings of $1.56 per share which missed the analyst consensus estimate of $1.78 by 12.36 percent. This is a 51.46 percent increase over earnings of $1.03 per share from the same period last year. The company reported quarterly sales of $762.100 million which missed the analyst consensus estimate of $898.530 million by 15.18 percent. This is a 11.66 percent decrease over sales of $862.700 million the same period last year.

Earnings Misses

Greenbrier Companies Q2 2025 GAAP EPS $1.56 Misses $1.78 Estimate, Sales $762.100M Miss $898.530M Estimate

McDonald's Recommends Shareholders Vote Against Shareholder Proposal On Advisory Vote To Revisit DEI In Executive Compensation At AGM

Amazon.com, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMZN#NASDAQ">AMZN</a>) shares have been down more than 10% since President Donald Trump revealed a <a href="https://www.benzinga.com/25/04/44663112/us-families-to-see-3800-annual-price-hike-says-experts-even-as-trump-indicates-tariff-windfall-of-tens-of-billions-of-dollars">tougher-than-expected tariff plan</a>. 
According to Goldman Sachs, the Seattle-based e-commerce company could mitigate the impact of these tariffs in several ways. 
In a <a href="https://www.benzinga.com/general/market-summary/25/04/44663682/tesla-nvidia-apple-and-other-magnificent-7-peers-tank-in-monday-premarket-whats-going-on">note to investors</a>, the bank&#8217;s analysts, led by Eric Sheridan, said there are a wide range of possible scenarios, but several that would result in a $5 billion to $10 billion impact on Amazon's EBIT resulting from a 15% to 20% increase in its cost of goods sold.  
However, Amazon can negotiate with vendors, raise prices on certain items and shift its vendor base and/or product mix toward items with lower import fees, Sheridan said.
Read Next: <a href="https://www.benzinga.com/25/04/44667862/oil-crashes-to-60-per-barrel-as-recession-fears-grow">Oil Crashes To $60 Per Barrel As Global Recession Fears Grow&nbsp;</a>
Additionally, Amazon will likely benefit from reduced competition from Chinese e-commerce peers like Shein and Temu when the de minimis exemption loophole is closed on May 2. The de minimis exemption <a href="https://www.benzinga.com/government/regulations/25/04/44660696/trumps-tariff-worries-ross-gerber-points-out-ordering-eu-goods-under-800-still-keeps-you-tax-free">allows shipments</a> from China and Hong Kong valued at $800 or less to enter the U.S. tariff-free. 
Beginning May 2, the shipments will be subject to a charge — either 30% of their value or $25 per item. The rate is increasing to $50 per item starting June 1. 
Goldman Sachs pointed to a historical case study it conducted using its own estimates. It shows Amazon&#8217;s worldwide merchandise margin remained stable in 2018 and 2019. That was during the first series of tariffs from Trump's inaugural term. 
"We believe that it is an important reference point for investors in thinking through how mitigating factors can help cushion the net impact of input cost increases on the company's P&amp;L (across any combination of mix shifts, price increases and vendor negotiations)," the analysts wrote.&nbsp;
Goldman Sachs maintained Amazon shares with a Buy rating and a $255 price target.&nbsp;
Price Action: According to <a href="https://pro.benzinga.com/?gspk=YWRhbWVja2VydDUzMzY&amp;gsxid=zBMR4PKmcgBw">Benzinga Pro</a>, Amazon stock was up 2.12% at $174.63 per share heading into Monday&#8217;s closing bell.
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</ul>
Image: Shutterstock

Analyst Color

Large Cap

Analyst Ratings

Movers

Tech

AMZN

Trump Tariffs Test Amazon, But Goldman Says E-Commerce Giant Can Roll With It

PRPL

Purple Innovation Receives Nasdaq Notice For Non-Compliance With Minimum Bid Price

&nbsp;AAR CORP. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AIR#NYSE">AIR</a>), a leading provider of aviation services to commercial and government operators, has formed a joint venture, KALS LLC, with KIRA Aviation Services under the federal government's Small Business Administration Mentor-Protégé Program. The joint venture was recently awarded an E-6B Mercury pilot training contract by the U.S. Navy. &nbsp;
Under a firm fixed-price indefinite-delivery/indefinite-quantity contract, KALS will provide in-flight training and currency for Naval Aviators in support of the U.S. Navy's E-6B Mercury pilot training. KALS will perform the work in Oklahoma City through March 2027.
The joint venture, KALS, was established by AAR and KIRA to meet pressing Department of Defense needs for maintenance and supply chain services. KIRA currently provides award-winning base operations and facility support to the U.S. government and stands to benefit from expanding its array of capabilities. Through the Mentor-Protégé Program, AAR will share its aviation expertise and provide KIRA with training, developing a new set of skills for the small business and positioning it for future growth. The KALS joint venture combines AAR's vast experience and reach-back with the best-in-class service reputation of KIRA.
"We are excited to help solve an urgent need of the U.S. Navy through this joint venture. The combined capabilities of AAR and KIRA will ensure the Navy receives outstanding pilot training for the Department's critical national mission," said Lt. General (r) John Cooper, AAR's Senior Vice President of Global Government and Defense.
"KIRA is thrilled to swiftly bring this critical support to the Navy.&nbsp;By combining the breadth and depth of experience of our two companies, KALS helps the Navy enhance their mission and helps the federal government meet their small business goals," said Beth Hershner, Tlingit Haida Tribal Business Corporation's&nbsp;Vice President of Operations, Information Technology and Engineering Professional Services.

Contracts

AAR Corp Enters Joint Venture With Kira Aviation Services And IS Awarded An E-6B Mercury Pilot Training Contract By The U.S. Navy

AVGO

Broadcom shares are trading higher after the company authorized a $10 billion share repurchase authorization.

CACI

CACI International Awarded $66M Task Order To Provide Expertise To U.S. Navy Naval Surface Warfare Center

Press Releases

Pineapple XChange 2024: A Premier Event for the Real Estate and Mortgage Community to Elevate Industry Connections and Insights

Pineapple Financial Expands Network with Addition of Two New Affiliate Brokerages and Reports Record Growth in Agent Network

IPOs

Pineapple Financial, Inc. Announces Pricing of $1.0 Million Registered Direct Offering

Pineapple Financial Unveils Renewals+ Platform, Improves Customer Retention, Adds New Revenue Streams

Correction: Pineapple Financial, Inc. Announces Pricing of $1.0 Million Registered Direct Offering at $0.60 Per Share

Global Mortgage Lender Market Expected to Grow to $1.8 Trillion In 2028

Pineapple Financial, Inc. Announces Closing of $1.0 Million Registered Direct Offering at $0.60 per share

Pineapple Announces Strategic Partnership with BMO to Expand Homeownership Accessibility in Canada

Pineapple Financial Inc. Reports 7.5% Revenue Growth in 2024, and Accelerates Growth to Start 2025

Pineapple Financial Inc. Reports 34.6% Revenue Growth and 26.8% Reduction in Net Loss for First Quarter of Fiscal 2025

FMCC

NRDS

PAPL

TREE

TSX:BMO

Enact Holdings

Federal Agricultural Mortgage Corporation Common Stock

Federal Agricultural

Better Home & Finance Holding Company - Class A Common Stock

Better Home & Finance

CNFinance Holdings Limited American Depositary Shares, each representing twenty (20) Ordinary Shares

CNFinance Hldgs

Mr. Cooper Gr

Essent Group

Finance of America Companies Inc. Class A Common Stock

Finance of America

Greystone Housing Impact Investors LP Beneficial Unit Certificates representing assignments of limited partnership interests

Greystone Housing Impact

Guild Holdings Company Class A Common Stock

Guild Holdings

Income Opportunity Realty Investors, Inc. Common Stock

Income Opportunity Realty

loanDepot

Merchants Bancorp

MGIC Investment

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Onity Group

PennyMac Financial Services, Inc. Common Stock

PennyMac Financial Servs

Radian Group

Rocket Companies, Inc. Class A Common Stock

Rocket Companies

Security National Financial Corporation - Class A Common Stock

Security National Finl

UWM Holdings Corporation Class A Common Stock

UWM Holdings

Velocity Financial

Walker & Dunlop

Waterstone Financial, Inc. - Common Stock

Waterstone Financial

D. Boral Capital

EF Hutton

Screenshot 2024-05-02 at 6.06.39 PM

Markets

Pineapple Financial Q2 Update: Revenues Up 59.04%, New Locations Entered, Company Launches All-In-One Deal Management System To Further Boost Growth

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