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

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

0.78  +0.05 (+6.85%)

Fundamental Rating

2

Taking everything into account, EPF scores 2 out of 10 in our fundamental rating. EPF was compared to 6 industry peers in the Consumer Finance industry. Both the profitability and financial health of EPF have multiple concerns. 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.
In the past year EPF had a positive cash flow from operations.
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

Looking at the Return On Assets, with a value of -10.31%, EPF is doing worse than 66.67% of the companies in the same industry.
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

Looking at the Gross Margin, with a value of 57.83%, EPF belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
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 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.
Compared to 1 year ago, EPF has more shares outstanding
Compared to 1 year ago, EPF has a worse debt to assets ratio.
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 0.18, we must say that EPF is in the distress zone and has some risk of bankruptcy.
EPF has a Altman-Z score (0.18) which is comparable to the rest of the 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 0.18
ROIC/WACCN/A
WACC8.16%
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.
EPF has a worse Current ratio (0.76) than 83.33% of its industry peers.
A Quick Ratio of 0.76 indicates that EPF may have some problems paying its short term obligations.
EPF has a Quick ratio of 0.76. This is amonst the worse of the industry: EPF underperforms 83.33% 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

EPF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1162.22%.
Looking at the last year, EPF shows a very strong growth in Revenue. The Revenue has grown by 34.28%.
The Revenue has been growing by 61.47% on average over the past years. This is a very strong growth!
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

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 15.59
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

No dividends for EPF!.
Industry RankSector Rank
Dividend Yield N/A

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EVERYDAY PEOPLE FINANCIAL CO

TSX-V:EPF (8/21/2025, 7:00:00 PM)

0.78

+0.05 (+6.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-15 2025-05-15
Earnings (Next)08-19 2025-08-19
Inst Owners0.04%
Inst Owner ChangeN/A
Ins Owners9.52%
Ins Owner ChangeN/A
Market Cap98.48M
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 1.64
P/FCF 15.59
P/OCF 14.27
P/B 7.29
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
FCFY6.41%
OCF(TTM)0.05
OCFY7.01%
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 0.18
F-Score4
WACC8.16%
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