EPF Fundamental Analysis - EVERYDAY PEOPLE FINANCIAL CO

Name: EVERYDAY PEOPLE FINANCIAL CO (EPF) Stock
Brand: EVERYDAY PEOPLE FINANCIAL CO
Rating: 2 (3 reviews)

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to EPF. EPF was compared to 6 industry peers in the Consumer Finance industry. EPF may be in some trouble as it scores bad on both profitability and health. EPF does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

EPF had negative earnings in the past year.

In the past year EPF had a positive cash flow from operations.

1.2 Ratios

The Return On Assets of EPF (-8.15%) is worse than 83.33% of its industry peers.

EPF has a worse Return On Equity (-36.97%) than 83.33% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

With an excellent Gross Margin value of 56.63%, EPF belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.

In the last couple of years the Gross Margin of EPF has grown nicely.

The Profit Margin and Operating Margin are not available for EPF so they could not be analyzed.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

EPF does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, EPF has more shares outstanding

EPF has a worse debt/assets ratio than last year.

2.2 Solvency

EPF has an Altman-Z score of 0.33. This is a bad value and indicates that EPF is not financially healthy and even has some risk of bankruptcy.

With a Altman-Z score value of 0.33, EPF perfoms like the industry average, outperforming 50.00% of the companies in the same 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.

EPF has a Debt to FCF ratio of 2.02. This is amongst the best in the industry. EPF outperforms 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.

Looking at the Debt to Equity ratio, with a value of 0.68, EPF is in the better half of the industry, outperforming 66.67% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.68
Debt/FCF	2.02
Altman-Z	0.33

ROIC/WACCN/A

WACC9.59%

2.3 Liquidity

EPF has a Current Ratio of 0.90. 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 Current ratio of 0.90. This is amonst the worse of the industry: EPF underperforms 83.33% of its industry peers.

EPF has a Quick Ratio of 0.90. This is a bad value and indicates that EPF is not financially healthy enough and could expect problems in meeting its short term obligations.

With a Quick ratio value of 0.90, EPF is not doing good in the industry: 83.33% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Current Ratio	0.9
Quick Ratio	0.9

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

EPF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -937.70%.

Looking at the last year, EPF shows a very strong growth in Revenue. The Revenue has grown by 33.61%.

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.

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Show best growing peers

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

Based on the Price/Free Cash Flow ratio, EPF is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	9.9
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

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

No dividends for EPF!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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EVERYDAY PEOPLE FINANCIAL CO

TSX-V:EPF (11/24/2025, 7:00:00 PM)

0.69

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)11-20 2025-11-20

Earnings (Next)04-28 2026-04-28

Inst Owners0.19%

Inst Owner ChangeN/A

Ins Owners9.42%

Ins Owner ChangeN/A

Market Cap89.07M

Revenue(TTM)66.35M

Net Income(TTM)-5.95M

AnalystsN/A

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	1.34
P/FCF	9.9
P/OCF	8.84
P/B	5.53
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

FCFY10.1%

OCF(TTM)0.08

OCFY11.31%

SpS0.51

BVpS0.12

TBVpS-0.11

PEG (NY)N/A

PEG (5Y)N/A

Graham NumberN/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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	0.33

F-Score3

WACC9.59%

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.

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

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens

EVERYDAY PEOPLE FINANCIAL CO / EPF.CA FAQ

What is the ChartMill fundamental rating of EVERYDAY PEOPLE FINANCIAL CO (EPF.CA) stock?

What is the valuation status for EPF stock?

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