EVERYDAY PEOPLE FINANCIAL CO (EPF.CA) Fundamental Analysis & Valuation

TSX-V:EPF • CA30042D1087

Current stock price

0.44 CAD
+0.02 (+3.53%)
Last:

This EPF.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. EPF.CA Profitability Analysis

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

  • EPF has a Return On Assets of -8.94%. This is amonst the worse of the industry: EPF underperforms 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 RankSector 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
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

  • EPF's Gross Margin of 60.25% is fine compared to the rest of the industry. EPF outperforms 62.50% of its industry peers.
  • EPF's Gross Margin has improved in the last couple of years.
  • 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 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
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. EPF.CA Health Analysis

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
  • 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

  • Based on the Altman-Z score of -0.08, we must say that EPF is in the distress zone and has some risk of bankruptcy.
  • EPF's Altman-Z score of -0.08 is in line compared to the rest of the industry. EPF outperforms 50.00% of its industry peers.
  • EPF has a debt to FCF ratio of 3.70. This is a good value and a sign of high solvency as EPF would need 3.70 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 3.70, EPF belongs to the best of the industry, outperforming 87.50% of the companies in the same industry.
  • A Debt/Equity ratio of 0.66 indicates that EPF is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.66, EPF is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.7
Altman-Z -0.08
ROIC/WACCN/A
WACC7.53%
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 0.93. This is a bad value and indicates that EPF is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 0.93, EPF is doing worse than 75.00% of the companies in the same industry.
  • 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 RankSector Rank
Current Ratio 0.93
Quick Ratio 0.93
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. EPF.CA Growth Analysis

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.
  • 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)-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.
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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Find the best growth stocksShow best growing peers

1

4. EPF.CA Valuation Analysis

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

  • Based on the Price/Free Cash Flow ratio, EPF is valued a bit cheaper than the industry average as 75.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 11.68
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. EPF.CA Dividend Analysis

5.1 Amount

  • EPF does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

EPF.CA Fundamentals: All Metrics, Ratios and Statistics

EVERYDAY PEOPLE FINANCIAL CO

TSX-V:EPF (3/13/2026, 7:00:00 PM)

0.44

+0.02 (+3.53%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-20
Earnings (Next)04-28
Inst Owners0.19%
Inst Owner ChangeN/A
Ins Owners9.25%
Ins Owner ChangeN/A
Market Cap56.80M
Revenue(TTM)67.45M
Net Income(TTM)-6.67M
AnalystsN/A
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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 0.84
P/FCF 11.68
P/OCF 9.54
P/B 3.44
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.06
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.04
FCFY8.56%
OCF(TTM)0.05
OCFY10.48%
SpS0.52
BVpS0.13
TBVpS-0.1
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -8.94%
ROE -40.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 60.25%
FCFM 7.21%
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 Turnover0.9
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 3.7
Debt/EBITDA N/A
Cap/Depr 29.69%
Cap/Sales 1.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.93
Quick Ratio 0.93
Altman-Z -0.08
F-Score3
WACC7.53%
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)-423.03%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-75.29%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)16.26%
Revenue growth 3Y61.47%
Revenue growth 5YN/A
Sales Q2Q%6.15%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-413.81%
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 Fundamental Analysis 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 1 / 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.