Everyday People Financial Corp. (TSXV:EPF)

Everyday People Financial Statistics

Total Valuation

TSXV:EPF has a market cap or net worth of CAD 93.93 million. The enterprise value is 108.82 million.

Market Cap	93.93M
Enterprise Value	108.82M

Important Dates

The last earnings date was Wednesday, August 13, 2025.

Earnings Date	Aug 13, 2025
Ex-Dividend Date	n/a

Share Statistics

TSXV:EPF has 128.68 million shares outstanding. The number of shares has increased by 4.71% in one year.

Current Share Class	128.68M
Shares Outstanding	128.68M
Shares Change (YoY)	+4.71%
Shares Change (QoQ)	+0.87%
Owned by Insiders (%)	10.88%
Owned by Institutions (%)	n/a
Float	87.32M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	1.42
PB Ratio	5.83
P/TBV Ratio	n/a
P/FCF Ratio	10.44
P/OCF Ratio	9.32
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	-18.28
EV / Sales	1.64
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	12.10

Financial Position

The company has a current ratio of 0.90, with a Debt / Equity ratio of 1.14.

Current Ratio	0.90
Quick Ratio	0.37
Debt / Equity	1.14
Debt / EBITDA	n/a
Debt / FCF	2.04
Interest Coverage	-3.20

Financial Efficiency

Return on equity (ROE) is -42.22% and return on invested capital (ROIC) is -11.04%.

Return on Equity (ROE)	-42.22%
Return on Assets (ROA)	-5.87%
Return on Invested Capital (ROIC)	-11.04%
Return on Capital Employed (ROCE)	-21.22%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.96
Inventory Turnover	n/a

Taxes

Income Tax	-909,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +128.13% in the last 52 weeks. The beta is 0.94, so TSXV:EPF's price volatility has been similar to the market average.

Beta (5Y)	0.94
52-Week Price Change	+128.13%
50-Day Moving Average	0.71
200-Day Moving Average	0.73
Relative Strength Index (RSI)	49.52
Average Volume (20 Days)	61,006

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, TSXV:EPF had revenue of CAD 66.35 million and -5.95 million in losses. Loss per share was -0.06.

Revenue	66.35M
Gross Profit	37.45M
Operating Income	-6.52M
Pretax Income	-6.86M
Net Income	-5.95M
EBITDA	-4.17M
EBIT	-6.52M
Loss Per Share	-0.06

Balance Sheet

The company has 3.49 million in cash and 18.37 million in debt, giving a net cash position of -14.89 million or -0.12 per share.

Cash & Cash Equivalents	3.49M
Total Debt	18.37M
Net Cash	-14.89M
Net Cash Per Share	-0.12
Equity (Book Value)	16.10M
Book Value Per Share	0.13
Working Capital	-4.03M

Cash Flow

In the last 12 months, operating cash flow was 10.07 million and capital expenditures -1.08 million, giving a free cash flow of 9.00 million.

Operating Cash Flow	10.07M
Capital Expenditures	-1.08M
Free Cash Flow	9.00M
FCF Per Share	0.07

Margins

Gross margin is 56.43%, with operating and profit margins of -9.83% and -8.97%.

Gross Margin	56.43%
Operating Margin	-9.83%
Pretax Margin	-10.34%
Profit Margin	-8.97%
EBITDA Margin	-6.28%
EBIT Margin	-9.83%
FCF Margin	13.56%

Dividends & Yields

TSXV:EPF does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-4.71%
Shareholder Yield	n/a
Earnings Yield	-6.34%
FCF Yield	9.58%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

TSXV:EPF has an Altman Z-Score of 0.04 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	0.04
Piotroski F-Score	4