Everyday People Financial Corp. (TSXV:EPF)

Everyday People Financial Statistics

Total Valuation

TSXV:EPF has a market cap or net worth of CAD 87.78 million. The enterprise value is 105.59 million.

Market Cap	87.78M
Enterprise Value	105.59M

Important Dates

The last earnings date was Friday, November 14, 2025.

Earnings Date	Nov 14, 2025
Ex-Dividend Date	n/a

Share Statistics

TSXV:EPF has 129.09 million shares outstanding. The number of shares has increased by 8.66% in one year.

Current Share Class	129.09M
Shares Outstanding	129.09M
Shares Change (YoY)	+8.66%
Shares Change (QoQ)	+2.00%
Owned by Insiders (%)	11.00%
Owned by Institutions (%)	0.04%
Float	88.26M

Valuation Ratios

PE Ratio	n/a
Forward PE	n/a
PS Ratio	1.30
PB Ratio	5.31
P/TBV Ratio	n/a
P/FCF Ratio	18.05
P/OCF Ratio	14.74
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	-15.84
EV / Sales	1.57
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	21.71

Financial Position

The company has a current ratio of 0.93, with a Debt / Equity ratio of 1.12.

Current Ratio	0.93
Quick Ratio	0.32
Debt / Equity	1.12
Debt / EBITDA	n/a
Debt / FCF	3.80
Interest Coverage	-4.35

Financial Efficiency

Return on equity (ROE) is -43.56% and return on invested capital (ROIC) is -13.12%.

Return on Equity (ROE)	-43.56%
Return on Assets (ROA)	-7.00%
Return on Invested Capital (ROIC)	-13.12%
Return on Capital Employed (ROCE)	-25.17%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.97
Inventory Turnover	n/a

Taxes

Income Tax	-1.40M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +76.62% in the last 52 weeks. The beta is 0.79, so TSXV:EPF's price volatility has been lower than the market average.

Beta (5Y)	0.79
52-Week Price Change	+76.62%
50-Day Moving Average	0.70
200-Day Moving Average	0.74
Relative Strength Index (RSI)	43.97
Average Volume (20 Days)	20,212

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 67.45 million and -6.67 million in losses. Loss per share was -0.06.

Revenue	67.45M
Gross Profit	40.50M
Operating Income	-7.77M
Pretax Income	-8.07M
Net Income	-6.67M
EBITDA	-5.51M
EBIT	-7.77M
Loss Per Share	-0.06

Balance Sheet

The company has 670,000 in cash and 18.48 million in debt, giving a net cash position of -17.81 million or -0.14 per share.

Cash & Cash Equivalents	670,000
Total Debt	18.48M
Net Cash	-17.81M
Net Cash Per Share	-0.14
Equity (Book Value)	16.52M
Book Value Per Share	0.13
Working Capital	-3.18M

Cash Flow

In the last 12 months, operating cash flow was 5.95 million and capital expenditures -1.09 million, giving a free cash flow of 4.86 million.

Operating Cash Flow	5.95M
Capital Expenditures	-1.09M
Free Cash Flow	4.86M
FCF Per Share	0.04

Margins

Gross margin is 60.04%, with operating and profit margins of -11.53% and -9.88%.

Gross Margin	60.04%
Operating Margin	-11.53%
Pretax Margin	-11.96%
Profit Margin	-9.88%
EBITDA Margin	-8.17%
EBIT Margin	-11.53%
FCF Margin	7.21%

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	-8.66%
Shareholder Yield	-8.66%
Earnings Yield	-7.59%
FCF Yield	5.54%

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 0.15 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	0.15
Piotroski F-Score	4