Reported Earnings • Apr 24
Full year 2025 earnings released: CA$0.01 loss per share (vs CA$0.057 loss in FY 2024) Full year 2025 results: CA$0.01 loss per share (improved from CA$0.057 loss in FY 2024). Revenue: CA$76.2m (up 33% from FY 2024). Net loss: CA$1.42m (loss narrowed 79% from FY 2024). Over the last 3 years on average, earnings per share has increased by 95% per year but the company’s share price has only increased by 23% per year, which means it is significantly lagging earnings growth. Announcement • Apr 16
Everyday People Financial Corp., Annual General Meeting, Jul 23, 2026 Everyday People Financial Corp., Annual General Meeting, Jul 23, 2026. Recent Insider Transactions • Feb 12
Independent Director recently bought CA$55k worth of stock On the 11th of February, Scott Sinclair bought around 100k shares on-market at roughly CA$0.55 per share. This transaction amounted to 8.3% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold CA$17k more in shares than they bought in the last 12 months. Reported Earnings • Nov 17
Third quarter 2025 earnings released: EPS: CA$0.002 (vs CA$0.008 in 3Q 2024) Third quarter 2025 results: EPS: CA$0.002 (down from CA$0.008 in 3Q 2024). Revenue: CA$18.9m (up 6.1% from 3Q 2024). Net income: CA$265.0k (down 73% from 3Q 2024). Profit margin: 1.4% (down from 5.5% in 3Q 2024). Over the last 3 years on average, earnings per share has increased by 80% per year but the company’s share price has only increased by 34% per year, which means it is significantly lagging earnings growth. Reported Earnings • Aug 15
Second quarter 2025 earnings released: EPS: CA$0.01 (vs CA$0.001 in 2Q 2024) Second quarter 2025 results: EPS: CA$0.01 (up from CA$0.001 in 2Q 2024). Revenue: CA$22.1m (up 40% from 2Q 2024). Net income: CA$789.0k (up CA$719.9k from 2Q 2024). Profit margin: 3.6% (up from 0.4% in 2Q 2024). Announcement • Jul 28
Everyday People Financial Corp., Annual General Meeting, Sep 29, 2025 Everyday People Financial Corp., Annual General Meeting, Sep 29, 2025. Recent Insider Transactions • Jun 22
Independent Director recently bought CA$73k worth of stock On the 19th of June, Scott Sinclair bought around 100k shares on-market at roughly CA$0.73 per share. This transaction amounted to 10% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought CA$171k more in shares than they have sold in the last 12 months. Reported Earnings • May 15
First quarter 2025 earnings released: EPS: CA$0.01 (vs CA$0.008 in 1Q 2024) First quarter 2025 results: EPS: CA$0.01. Revenue: CA$17.7m (up 20% from 1Q 2024). Net income: CA$824.0k (down 5.3% from 1Q 2024). Profit margin: 4.7% (down from 5.9% in 1Q 2024). The decrease in margin was driven by higher expenses. Recent Insider Transactions • Jan 12
Independent Director recently bought CA$65k worth of stock On the 8th of January, Scott Sinclair bought around 100k shares on-market at roughly CA$0.65 per share. This transaction amounted to 12% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought CA$143k more in shares than they have sold in the last 12 months. New Risk • Jan 07
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Canadian stocks, typically moving 13% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (10% operating cash flow to total debt). Minor Risks Share price has been volatile over the past 3 months (13% average weekly change). Large one-off items impacting financial results. Shareholders have been diluted in the past year (4.0% increase in shares outstanding). Market cap is less than US$100m (CA$89.0m market cap, or US$62.1m). Reported Earnings • Nov 17
Third quarter 2024 earnings released: EPS: CA$0.008 (vs CA$0.003 loss in 3Q 2023) Third quarter 2024 results: EPS: CA$0.008 (up from CA$0.003 loss in 3Q 2023). Revenue: CA$17.8m (up 89% from 3Q 2023). Net income: CA$977.5k (up CA$1.34m from 3Q 2023). Profit margin: 5.5% (up from net loss in 3Q 2023). New Risk • Nov 07
New minor risk - Shareholder dilution The company's shareholders have been diluted in the past year. Increase in shares outstanding: 3.9% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (currently running at an operating cash loss). Minor Risks Large one-off items impacting financial results. Shareholders have been diluted in the past year (3.9% increase in shares outstanding). Market cap is less than US$100m (CA$47.4m market cap, or US$34.2m). Reported Earnings • Aug 15
Second quarter 2024 earnings released: EPS: CA$0.001 (vs CA$0.005 loss in 2Q 2023) Second quarter 2024 results: EPS: CA$0.001 (up from CA$0.005 loss in 2Q 2023). Revenue: CA$15.8m (up 46% from 2Q 2023). Net income: CA$69.1k (up CA$667.8k from 2Q 2023). Profit margin: 0.4% (up from net loss in 2Q 2023). New Risk • Jul 20
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Canadian stocks, typically moving 12% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (currently running at an operating cash loss). Minor Risks Share price has been volatile over the past 3 months (12% average weekly change). Large one-off items impacting financial results. Market cap is less than US$100m (CA$34.0m market cap, or US$24.8m). Announcement • May 18
Everyday People Financial Corp., Annual General Meeting, Jul 25, 2024 Everyday People Financial Corp., Annual General Meeting, Jul 25, 2024. Reported Earnings • May 05
Full year 2023 earnings released Full year 2023 results: CA$0.017 loss per share. Revenue: CA$37.9m (up 111% from FY 2022). Net loss: CA$1.95m (loss narrowed 95% from FY 2022). New Risk • Jan 23
New minor risk - Shareholder dilution The company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.7% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Less than 1 year of cash runway based on free cash flow trend (-CA$4.6m free cash flow). Minor Risks Shareholders have been diluted in the past year (2.7% increase in shares outstanding). Market cap is less than US$100m (CA$56.5m market cap, or US$41.9m). Reported Earnings • Nov 24
Third quarter 2023 earnings released: CA$0.003 loss per share (vs CA$0.099 loss in 3Q 2022) Third quarter 2023 results: CA$0.003 loss per share (improved from CA$0.099 loss in 3Q 2022). Revenue: CA$9.43m (up 92% from 3Q 2022). Net loss: CA$365.7k (loss narrowed 97% from 3Q 2022). New Risk • Nov 03
New minor risk - Shareholder dilution The company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.1% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risk Less than 1 year of cash runway based on free cash flow trend (-CA$5.5m free cash flow). Minor Risks Share price has been volatile over the past 3 months (13% average weekly change). Shareholders have been diluted in the past year (2.1% increase in shares outstanding). Market cap is less than US$100m (CA$42.2m market cap, or US$30.9m). Recent Insider Transactions • Aug 28
Independent Director recently bought CA$89k worth of stock On the 24th of August, Scott Sinclair bought around 250k shares on-market at roughly CA$0.36 per share. This transaction increased Scott's direct individual holding by 1x at the time of the trade. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought CA$1.2m more in shares than they have sold in the last 12 months. Reported Earnings • Aug 15
Second quarter 2023 earnings released: CA$0.005 loss per share (vs CA$0.041 loss in 2Q 2022) Second quarter 2023 results: CA$0.005 loss per share (improved from CA$0.041 loss in 2Q 2022). Revenue: CA$10.8m (up 126% from 2Q 2022). Net loss: CA$598.8k (loss narrowed 86% from 2Q 2022). Board Change • Jul 01
High number of new and inexperienced directors There are 7 new directors who have joined the board in the last 3 years. The company's board is composed of: 7 new directors. No experienced directors. No highly experienced directors. Independent Director Amy ter Haar is the most experienced director on the board, commencing their role in 2022. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors. Reported Earnings • May 25
First quarter 2023 earnings released: CA$0.01 loss per share (vs CA$0.011 loss in 1Q 2022) First quarter 2023 results: CA$0.01 loss per share. Revenue: CA$8.00m (up 76% from 1Q 2022). Net loss: CA$1.11m (loss widened 2.4% from 1Q 2022). Announcement • May 20
Everyday People Financial Corp., Annual General Meeting, Jul 28, 2023 Everyday People Financial Corp., Annual General Meeting, Jul 28, 2023. Reported Earnings • Nov 19
Full year 2022 earnings released: CA$0.18 loss per share (vs CA$0.057 loss in FY 2021) Full year 2022 results: CA$0.18 loss per share (further deteriorated from CA$0.057 loss in FY 2021). Revenue: CA$17.7m (up 30% from FY 2021). Net loss: CA$18.6m (loss widened 277% from FY 2021). Board Change • Nov 16
Insufficient new directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. No highly experienced directors. President, CEO & Director Barret Reykdal was the last director to join the board, commencing their role in 2015. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment. Announcement • Nov 04
Everyday People Financial Corp. Appoints Gordon Reykdal as Chief Strategy Officer EVERYDAY PEOPLE FINANCIAL CORP appointed Gordon Reykdal as Chief Strategy Officer of the Company. Gord Reykdal has over 38 years' experience in consumer financial services as a Director, Founder, CEO and Chairman of a number of successful companies. As the Chief Strategy Officer of the Company, Gord will be leading the Company's strategic plan, including capital projects, joint ventures, and potential M&A targets, while creating new and innovative financial programs for underserved and underserviced financial markets. Gord will report to the CEO and the Chairman of the Board. Recent Insider Transactions • Oct 20
Chief Financial Officer recently bought CA$97k worth of stock On the 11th of October, Mayank Mahajan bought around 290k shares on-market at roughly CA$0.33 per share. This transaction amounted to 9.9% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger purchase worth CA$110k. Mayank has been a buyer over the last 12 months, purchasing a net total of CA$297k worth in shares. Recent Insider Transactions • Oct 12
Chief Financial Officer recently bought CA$110k worth of stock On the 7th of October, Mayank Mahajan bought around 374k shares on-market at roughly CA$0.29 per share. This transaction amounted to 15% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Mayank has been a buyer over the last 12 months, purchasing a net total of CA$197k worth in shares. Board Change • Sep 30
Insufficient new directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 7 experienced directors. No highly experienced directors. President, CEO & Director Barret Reykdal was the last director to join the board, commencing their role in 2015. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment. Announcement • Sep 20
Everyday People Financial Corp. (TSXV:EPF) entered into a letter of intent to acquire General Credit Services Inc. for CAD 8.9 million. Everyday People Financial Corp. (TSXV:EPF) entered into a letter of intent to acquire General Credit Services Inc. for CAD 8.9 million on September 19, 2022. The consideration is subject to adjustment in accordance with the terms to be set forth in the Definitive Agreement, a portion of which shall be payable in cash on the closing date of the Proposed Transaction and a portion of which shall be payable in common shares in the capital of Everyday People ("Common Shares") at a deemed price of CAD 1 per Common Share in accordance with the terms to be set forth in the Definitive Agreement, including certain earnout provisions to be set forth therein. Any Common Shares issued in connection with the Proposed Transaction will be subject to a four month hold period from the date of issuance in accordance with applicable Canadian securities laws. Completion of the Proposed Transaction is subject to a number of conditions, including, but not limited to: (i) the negotiation and execution of the Definitive Agreement; (ii) no material adverse change having occurred; (iii) all major collections agreements, all key service agreements, including IT services, and all leases being maintained, and any required consent to change of control contained therein being obtained; (iv) key personnel accepting a position with Everyday People following completion of the Proposed Transaction; (v) all licenses for collections remaining valid and the relevant authorities approving the change of control; (vi) General Credit being free of all debt and encumbrances; and (vii) receipt of requisite third party and regulatory approvals, including the acceptance of the TSX Venture Exchange. Reported Earnings • Sep 15
Third quarter 2022 earnings released Third quarter 2022 results: CA$0.041 loss per share. Net loss: CA$4.25m (flat on 3Q 2021).