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EVERYDAY PEOPLE FINANCIAL CO (EPF.CA) Stock Fundamental Analysis

Canada - TSX-V:EPF - CA30042D1087 - Common Stock

0.7 CAD
0 (0%)
Last: 10/31/2025, 7:00:00 PM
Fundamental Rating

2

Overall EPF gets a fundamental rating of 2 out of 10. We evaluated EPF against 6 industry peers in the Consumer Finance industry. EPF has a bad profitability rating. Also its financial health evaluation is rather negative. EPF is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year EPF has reported negative net income.
EPF had a positive operating cash flow in the past year.
EPF.CA Yearly Net Income VS EBIT VS OCF VS FCFEPF.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 0 -10M -20M -30M -40M

1.2 Ratios

EPF has a Return On Assets of -8.15%. This is amonst the worse of the industry: EPF underperforms 83.33% of its industry peers.
EPF's Return On Equity of -36.97% is on the low side compared to the rest of the industry. EPF is outperformed by 83.33% of its industry peers.
Industry RankSector Rank
ROA -8.15%
ROE -36.97%
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
EPF.CA Yearly ROA, ROE, ROICEPF.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 -100 -200 -300 -400

1.3 Margins

The Gross Margin of EPF (56.63%) is better than 83.33% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) N/A
GM 56.63%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.07%
GM growth 5YN/A
EPF.CA Yearly Profit, Operating, Gross MarginsEPF.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 0 50 -50 -100 -150 -200

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3

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.
EPF has a worse debt/assets ratio than last year.
EPF.CA Yearly Shares OutstandingEPF.CA Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 20M 40M 60M 80M 100M
EPF.CA Yearly Total Debt VS Total AssetsEPF.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 20M 40M 60M

2.2 Solvency

EPF has an Altman-Z score of 0.34. 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 (0.34) which is comparable to the rest of the industry.
EPF has a debt to FCF ratio of 2.02. This is a good value and a sign of high solvency as EPF would need 2.02 years to pay back of all of its debts.
The Debt to FCF ratio of EPF (2.02) is better than 100.00% of its industry peers.
EPF has a Debt/Equity ratio of 0.68. This is a neutral value indicating EPF is somewhat dependend on debt financing.
With a decent Debt to Equity ratio value of 0.68, EPF is doing good in the industry, outperforming 66.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.68
Debt/FCF 2.02
Altman-Z 0.34
ROIC/WACCN/A
WACC9.81%
EPF.CA Yearly LT Debt VS Equity VS FCFEPF.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 0 10M 20M 30M 40M

2.3 Liquidity

A Current Ratio of 0.90 indicates that EPF may have some problems paying its short term obligations.
EPF's Current ratio of 0.90 is in line compared to the rest of the industry. EPF outperforms 50.00% of its industry peers.
A Quick Ratio of 0.90 indicates that EPF may have some problems paying its short term obligations.
EPF's Quick ratio of 0.90 is in line compared to the rest of the industry. EPF outperforms 50.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.9
Quick Ratio 0.9
EPF.CA Yearly Current Assets VS Current LiabilitesEPF.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 10M 20M 30M

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3

3. Growth

3.1 Past

The earnings per share for EPF have decreased strongly by -937.70% in the last year.
The Revenue has grown by 33.61% in the past year. This is a very strong growth!
Measured over the past years, EPF shows a very strong growth in Revenue. The Revenue has been growing by 61.47% on average per year.
EPS 1Y (TTM)-937.7%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%950%
Revenue 1Y (TTM)33.61%
Revenue growth 3Y61.47%
Revenue growth 5YN/A
Sales Q2Q%40.22%

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.
EPF.CA Yearly Revenue VS EstimatesEPF.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 10M 20M 30M 40M 50M

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for EPF. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
EPF.CA Price Earnings VS Forward Price EarningsEPF.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of EPF indicates a rather cheap valuation: EPF is cheaper than 100.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.04
EV/EBITDA N/A
EPF.CA Per share dataEPF.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 0.4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

EPF does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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EVERYDAY PEOPLE FINANCIAL CO

TSX-V:EPF (10/31/2025, 7:00:00 PM)

0.7

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-19 2025-08-19
Earnings (Next)11-20 2025-11-20
Inst Owners0.19%
Inst Owner ChangeN/A
Ins Owners9.42%
Ins Owner ChangeN/A
Market Cap90.36M
Revenue(TTM)66.35M
Net Income(TTM)-5954300
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.36
P/FCF 10.04
P/OCF 8.97
P/B 5.61
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.05
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.07
FCFY9.96%
OCF(TTM)0.08
OCFY11.15%
SpS0.51
BVpS0.12
TBVpS-0.11
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -8.15%
ROE -36.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 56.63%
FCFM 13.56%
ROA(3y)-37.4%
ROA(5y)N/A
ROE(3y)-179.53%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.07%
GM growth 5YN/A
F-Score3
Asset Turnover0.91
Health
Industry RankSector Rank
Debt/Equity 0.68
Debt/FCF 2.02
Debt/EBITDA N/A
Cap/Depr 30.07%
Cap/Sales 1.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.9
Quick Ratio 0.9
Altman-Z 0.34
F-Score3
WACC9.81%
ROIC/WACCN/A
Cap/Depr(3y)22.24%
Cap/Depr(5y)N/A
Cap/Sales(3y)1.88%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-937.7%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%950%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)33.61%
Revenue growth 3Y61.47%
Revenue growth 5YN/A
Sales Q2Q%40.22%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-149.13%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y198.93%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y214.89%
OCF growth 3YN/A
OCF growth 5YN/A

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.


What is the valuation status for EPF stock?

ChartMill assigns a valuation rating of 2 / 10 to EVERYDAY PEOPLE FINANCIAL CO (EPF.CA). This can be considered as Overvalued.


How profitable is EVERYDAY PEOPLE FINANCIAL CO (EPF.CA) stock?

EVERYDAY PEOPLE FINANCIAL CO (EPF.CA) has a profitability rating of 2 / 10.