EVERYDAY PEOPLE FINANCIAL CO (EPF.CA) Stock Fundamental Analysis
Canada - TSX Venture Exchange - TSX-V:EPF - CA30042D1087 - Common Stock
0.6 CAD
+0.01 (+1.69%)
Overall EPF gets a fundamental rating of 2 out of 10. We evaluated EPF against 8 industry peers in the Consumer Finance industry. EPF may be in some trouble as it scores bad on both profitability and health. EPF is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
- In the past year EPF has reported negative net income.
- In the past year EPF had a positive cash flow from operations.
1.2 Ratios
- EPF's Return On Assets of -8.94% is on the low side compared to the rest of the industry. EPF is outperformed by 87.50% of its industry peers.
- Looking at the Return On Equity, with a value of -40.36%, EPF is doing worse than 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -8.94% | ||
| ROE | -40.36% | ||
| ROIC | N/A |
ROA(3y)-37.4%
ROA(5y)N/A
ROE(3y)-179.53%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- With a decent Gross Margin value of 60.25%, EPF is doing good in the industry, outperforming 62.50% of the companies in the same industry.
- In the last couple of years the Gross Margin of EPF has grown nicely.
- EPF does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 60.25% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.07%
GM growth 5YN/A
2. Health
2.1 Basic Checks
- EPF does not have a ROIC to compare to the WACC, probably because it is not profitable.
- EPF has more shares outstanding than it did 1 year ago.
- The debt/assets ratio for EPF is higher compared to a year ago.
2.2 Solvency
- EPF has an Altman-Z score of 0.15. This is a bad value and indicates that EPF is not financially healthy and even has some risk of bankruptcy.
- EPF has a Altman-Z score of 0.15. This is comparable to the rest of the industry: EPF outperforms 50.00% of its industry peers.
- The Debt to FCF ratio of EPF is 3.70, which is a good value as it means it would take EPF, 3.70 years of fcf income to pay off all of its debts.
- EPF's Debt to FCF ratio of 3.70 is amongst the best of the industry. EPF outperforms 100.00% of its industry peers.
- A Debt/Equity ratio of 0.66 indicates that EPF is somewhat dependend on debt financing.
- EPF has a better Debt to Equity ratio (0.66) than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 3.7 | ||
| Altman-Z | 0.15 |
ROIC/WACCN/A
WACC7.63%
2.3 Liquidity
- A Current Ratio of 0.93 indicates that EPF may have some problems paying its short term obligations.
- With a Current ratio value of 0.93, EPF is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
- EPF has a Quick Ratio of 0.93. This is a bad value and indicates that EPF is not financially healthy enough and could expect problems in meeting its short term obligations.
- EPF has a worse Quick ratio (0.93) than 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.93 | ||
| Quick Ratio | 0.93 |
3. Growth
3.1 Past
- The earnings per share for EPF have decreased strongly by -423.03% in the last year.
- The Revenue has grown by 16.26% in the past year. This is quite good.
- EPF shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 61.47% yearly.
EPS 1Y (TTM)-423.03%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-75.29%
Revenue 1Y (TTM)16.26%
Revenue growth 3Y61.47%
Revenue growth 5YN/A
Sales Q2Q%6.15%
3.2 Future
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
- No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
- EPF reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
- EPF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EPF is cheaper than 87.50% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.93 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- No dividends for EPF!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
EVERYDAY PEOPLE FINANCIAL CO / EPF.CA FAQ
What is the ChartMill fundamental rating of EVERYDAY PEOPLE FINANCIAL CO (EPF.CA) stock?
ChartMill assigns a fundamental rating of 2 / 10 to EPF.CA.
Can you provide the valuation status for EVERYDAY PEOPLE FINANCIAL CO?
ChartMill assigns a valuation rating of 2 / 10 to EVERYDAY PEOPLE FINANCIAL CO (EPF.CA). This can be considered as Overvalued.
What is the profitability of EPF stock?
EVERYDAY PEOPLE FINANCIAL CO (EPF.CA) has a profitability rating of 1 / 10.
How financially healthy is EVERYDAY PEOPLE FINANCIAL CO?
The financial health rating of EVERYDAY PEOPLE FINANCIAL CO (EPF.CA) is 3 / 10.