EPFC.F Stock Overview

Provides credit products in Canada, the United States, and the United Kingdom. More details

EPFC.F fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	2/6
Financial Health	2/6
Dividends	0/6

Rewards

Became profitable this year

Risk Analysis

Debt is not well covered by operating cash flow

Shares are highly illiquid

Large one-off items impacting financial results

Shareholders have been diluted in the past year

+ 1 more risk

My Notes

Capture your thoughts, links and company narrative

Everyday People Financial Corp. Competitors

Jiayin Group

NasdaqGM:JFIN

US$332.0m

Jianpu Technology

OTCPK:AIJT.Y

US$7.9m

Medallion Financial

NasdaqGS:MFIN

US$217.0m

Consumer Portfolio Services

NasdaqGM:CPSS

US$223.9m

Price History & Performance

Summary of share price highs, lows and changes for Everyday People Financial
Historical stock prices
Current Share Price	CA$0.34
52 Week High	CA$0.38
52 Week Low	CA$0.20
Beta	0.88
1 Month Change	26.86%
3 Month Change	16.11%
1 Year Change	-8.42%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-10.61%

Recent updates

Shareholder Returns

	EPFC.F	US Consumer Finance	US Market
7D	0%	-2.8%	-2.4%
1Y	-8.4%	47.4%	23.4%

Return vs Industry: EPFC.F underperformed the US Consumer Finance industry which returned 47.3% over the past year.

Return vs Market: EPFC.F underperformed the US Market which returned 23.3% over the past year.

Price Volatility

Is EPFC.F's price volatile compared to industry and market?
EPFC.F volatility
EPFC.F Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	7.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: EPFC.F's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine EPFC.F's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
n/a	n/a	Barret Reykdal	everydaypeoplefinancial.com

Everyday People Financial Corp. provides credit products in Canada, the United States, and the United Kingdom. The company operates in four segments: Financial Services, EP Homes Facilitation Services, Revenue Cycle Management Services, and Contract Receivable Services. It offers secured/prepaid payment credit cards; structured lease and down payment accumulation program services for home purchasing; debt collection services for corporations; and residential and commercial security contracts between the consumer and alarm companies.

Everyday People Financial Corp. Fundamentals Summary

How do Everyday People Financial's earnings and revenue compare to its market cap?
EPFC.F fundamental statistics
Market cap	US$41.28m
Earnings (TTM)	US$1.42m
Revenue (TTM)	US$40.37m

29.1x

P/E Ratio

1.0x

P/S Ratio

Is EPFC.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
EPFC.F income statement (TTM)
Revenue	CA$58.01m
Cost of Revenue	CA$21.60m
Gross Profit	CA$36.41m
Other Expenses	CA$34.36m
Earnings	CA$2.04m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.017
Gross Margin	62.76%
Net Profit Margin	3.52%
Debt/Equity Ratio	162.5%

How did EPFC.F perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 12:30
End of Day Share Price	2024/12/13 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Everyday People Financial Corp. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

Everyday People Financial OTCPK:EPFC.F Stock Report