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

TSX-V:EPF - TSX Venture Exchange - CA30042D1087 - Common Stock - Currency: CAD

0.68  -0.01 (-1.45%)

Fundamental Rating

2

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.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

EPF had negative earnings in the past year.
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

The Return On Assets of EPF (-10.31%) is worse than 66.67% of its industry peers.
Looking at the Return On Equity, with a value of -49.43%, EPF is doing worse than 83.33% of the companies in the same industry.
Industry RankSector Rank
ROA -10.31%
ROE -49.43%
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

With an excellent Gross Margin value of 57.83%, 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 RankSector Rank
OM N/A
PM (TTM) N/A
GM 57.83%
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.
The debt/assets ratio for EPF is higher compared to a year ago.
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 0.12. 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 0.12, EPF perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
EPF has a debt to FCF ratio of 3.26. This is a good value and a sign of high solvency as EPF would need 3.26 years to pay back of all of its debts.
EPF has a Debt to FCF ratio of 3.26. This is amongst the best in the industry. EPF outperforms 100.00% of its industry peers.
A Debt/Equity ratio of 0.78 indicates that EPF is somewhat dependend on debt financing.
EPF has a better Debt to Equity ratio (0.78) than 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 3.26
Altman-Z 0.12
ROIC/WACCN/A
WACC8.04%
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

EPF has a Current Ratio of 0.76. This is a bad value and indicates that EPF is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.76, EPF is doing worse than 66.67% of the companies in the same industry.
EPF has a Quick Ratio of 0.76. 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's Quick ratio of 0.76 is on the low side compared to the rest of the industry. EPF is outperformed by 66.67% of its industry peers.
Industry RankSector Rank
Current Ratio 0.76
Quick Ratio 0.76
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 -1162.22% in the last year.
EPF shows a strong growth in Revenue. In the last year, the Revenue has grown by 34.28%.
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)-1162.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-11.84%
Revenue 1Y (TTM)34.28%
Revenue growth 3Y61.47%
Revenue growth 5YN/A
Sales Q2Q%19.51%

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

EPF reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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

EPF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EPF is cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.58
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 (7/25/2025, 7:00:00 PM)

0.68

-0.01 (-1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-15 2025-05-15
Earnings (Next)08-11 2025-08-11
Inst Owners0.04%
Inst Owner ChangeN/A
Ins Owners9.52%
Ins Owner ChangeN/A
Market Cap85.78M
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 1.43
P/FCF 13.58
P/OCF 12.43
P/B 6.35
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.06
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.05
FCFY7.36%
OCF(TTM)0.05
OCFY8.05%
SpS0.48
BVpS0.11
TBVpS-0.13
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -10.31%
ROE -49.43%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 57.83%
FCFM 10.52%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.93
Health
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 3.26
Debt/EBITDA N/A
Cap/Depr 22.65%
Cap/Sales 0.98%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.76
Quick Ratio 0.76
Altman-Z 0.12
F-Score4
WACC8.04%
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)-1162.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-11.84%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)34.28%
Revenue growth 3Y61.47%
Revenue growth 5YN/A
Sales Q2Q%19.51%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-92.95%
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