Everyday People Financial (OTCPK:EPFC.F) - Stock Price, News & Analysis

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

Everyday People Financial Corp. Competitors

Jianpu Technology

OTCPK:AIJT.Y

US$12.7m

Jiayin Group

NasdaqGM:JFIN

US$360.6m

Medallion Financial

NasdaqGS:MFIN

US$212.6m

X Financial

NYSE:XYF

US$309.0m

Price History & Performance

Summary of all time highs, changes and price drops for Everyday People Financial
Historical stock prices
Current Share Price	CA$0.20
52 Week High	CA$0.38
52 Week Low	CA$0.20
Beta	0.97
11 Month Change	-35.59%
3 Month Change	-20.00%
1 Year Change	n/a
33 Year Change	n/a
5 Year Change	n/a
Change since IPO	-48.00%

Recent updates

Shareholder Returns

	EPFC.F	US Consumer Finance	US Market
7D	0%	-0.7%	-1.0%
1Y	n/a	69.0%	30.3%

Return vs Industry: Insufficient data to determine how EPFC.F performed against the US Consumer Finance industry.

Return vs Market: Insufficient data to determine how EPFC.F performed against the US Market.

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	7.3%
Market Average Movement	6.2%
10% most volatile stocks in US Market	15.7%
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$32.66m
Earnings (TTM)	US$1.46m
Revenue (TTM)	US$41.52m

22.3x

P/E Ratio

0.8x

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$21.48m
Gross Profit	CA$36.53m
Other Expenses	CA$34.49m
Earnings	CA$2.04m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.017
Gross Margin	62.98%
Net Profit Margin	3.52%
Debt/Equity Ratio	162.5%

How did EPFC.F perform over the long term?

See historical performance and comparison

Everyday People Financial OTCPK:EPFC.F Stock Report