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

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

0.75  -0.01 (-1.32%)

Fundamental Rating

3

Taking everything into account, EPF scores 3 out of 10 in our fundamental rating. EPF was compared to 6 industry peers in the Consumer Finance industry. EPF scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. EPF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year EPF was profitable.
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 -10M -20M -30M -40M

1.2 Ratios

With a decent Return On Assets value of 3.18%, EPF is doing good in the industry, outperforming 71.43% of the companies in the same industry.
The Return On Equity of EPF (14.50%) is better than 71.43% of its industry peers.
Industry RankSector Rank
ROA 3.18%
ROE 14.5%
ROIC N/A
ROA(3y)-36.53%
ROA(5y)N/A
ROE(3y)-148.33%
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 -100 -200 -300 -400

1.3 Margins

With a decent Profit Margin value of 3.52%, EPF is doing good in the industry, outperforming 71.43% of the companies in the same industry.
The Gross Margin of EPF (63.05%) is better than 85.71% of its industry peers.
Industry RankSector Rank
OM N/A
PM (TTM) 3.52%
GM 63.05%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
EPF.CA Yearly Profit, Operating, Gross MarginsEPF.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 0 50 -50 -100 -150 -200

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4

2. Health

2.1 Basic Checks

EPF does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EPF remains at a similar level compared to 1 year ago.
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 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 20M 40M 60M

2.2 Solvency

EPF has an Altman-Z score of 0.79. 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 0.79, EPF perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
EPF has a debt to FCF ratio of 8.52. This is a slightly negative value and a sign of low solvency as EPF would need 8.52 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 8.52, EPF belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
EPF has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
EPF has a Debt to Equity ratio of 0.44. This is in the better half of the industry: EPF outperforms 71.43% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 8.52
Altman-Z 0.79
ROIC/WACCN/A
WACC7.9%
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 0 10M 20M 30M 40M

2.3 Liquidity

A Current Ratio of 1.05 indicates that EPF should not have too much problems paying its short term obligations.
The Current ratio of EPF (1.05) is better than 71.43% of its industry peers.
EPF has a Quick Ratio of 1.05. 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 0.86 is in line compared to the rest of the industry. EPF outperforms 42.86% of its industry peers.
Industry RankSector Rank
Current Ratio 1.05
Quick Ratio 0.86
EPF.CA Yearly Current Assets VS Current LiabilitesEPF.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 10M 20M 30M

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2

3. Growth

3.1 Past

EPF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 96.02%, which is quite impressive.
EPF shows a strong growth in Revenue. In the last year, the Revenue has grown by 68.64%.
EPS 1Y (TTM)96.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%365.63%
Revenue 1Y (TTM)68.64%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%88.5%

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 10M 20M 30M
EPF.CA Yearly EPS VS EstimatesEPF.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 37.50 indicates a quite expensive valuation of EPF.
The rest of the industry has a similar Price/Earnings ratio as EPF.
The average S&P500 Price/Earnings ratio is at 29.35. EPF is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 37.5
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

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, EPF is valued a bit more expensive than 71.43% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, EPF is valued cheaply inside the industry as 85.71% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 56.45
EV/EBITDA 73.45
EPF.CA Per share dataEPF.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.1 0.2 0.3 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 (3/7/2025, 7:00:00 PM)

0.75

-0.01 (-1.32%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-21 2024-11-21
Earnings (Next)05-01 2025-05-01
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners10.11%
Ins Owner ChangeN/A
Market Cap94.39M
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 37.5
Fwd PE N/A
P/S 1.63
P/FCF 56.45
P/OCF 41.11
P/B 6.7
P/tB N/A
EV/EBITDA 73.45
EPS(TTM)0.02
EY2.67%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.01
FCFY1.77%
OCF(TTM)0.02
OCFY2.43%
SpS0.46
BVpS0.11
TBVpS-0.07
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 3.18%
ROE 14.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 3.52%
GM 63.05%
FCFM 2.88%
ROA(3y)-36.53%
ROA(5y)N/A
ROE(3y)-148.33%
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 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.9
Health
Industry RankSector Rank
Debt/Equity 0.44
Debt/FCF 8.52
Debt/EBITDA 4.17
Cap/Depr 20.73%
Cap/Sales 1.07%
Interest Coverage N/A
Cash Conversion 156.18%
Profit Quality 81.89%
Current Ratio 1.05
Quick Ratio 0.86
Altman-Z 0.79
F-Score8
WACC7.9%
ROIC/WACCN/A
Cap/Depr(3y)23.37%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.42%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)96.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%365.63%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)68.64%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%88.5%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y35.72%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y44.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y39.18%
OCF growth 3YN/A
OCF growth 5YN/A