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Home CompaniesEveryday People Financial Corp.

Everyday People Financial Corp.

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
0.265 CAD 0.00(0%)
Last update at 2026-11-03T14:30:00Z
Market Cap
67.38M

Momentum Score

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Everyday People Financial Corp. provides credit products in Canada, the United States, and the United Kingdom. The company operates Financial Services; EP Homes services; and Revenue Cycle Management Services segments. It offers structured lease and down payment accumulation program services for home purchasing; and debt collection services for corporations. The company also provides revenue cycle management outsourcing; white label cards; credit cards; prepaid payment cards; health spending accounts; homeownership facilitation; savings loans; and credit and financial literacy services, as well as supply chain solutions. Everyday People Financial Corp. is headquartered in Edmonton, Canada.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
0.27
Low
0.27
High
52 Week Price Range
0.36
Low
0.83
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Everyday People Financial Corp. is listed on the TSX Venture Exchange under ticker EPF.V; public disclosures do not provide a clear description of its core business or operations. Because readily available information on strategy and financials is limited, potential long-term growth drivers are unclear and investors may find the company of interest only if they can access the issuer's primary filings and management disclosure.
Key investment risks include limited public transparency, small-cap illiquidity, early-stage or inactive operations, potential need for additional financing and execution or regulatory uncertainty.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
0.27
Dividend Yield
-
Revenue TTM
67.44M
Revenue Per Share
0.54
Gross Profit TTM
40.50M
Debt / Equity
-
ROE
-43.56%
Net Debt
17.21M
ROCE
-14.65%
Diluted EPS TTM
-0.07

Insight Announcement

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Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly
Date 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Income before tax -6.66M -2.54M -0.09M -4.76M
Net income -6.63M -1.95M -0.09M -4.93M
Selling general administrative 5.27M 4.81M 0.09M 8.10M
Gross profit 8.02M 4.98M - 7.32M
Reconciled depreciation 3.39M 2.46M - 1.54M
Operating income -3.93M -5.59M -0.09M -4.15M
Interest expense 2.49M 2.04M - 0.53M
Tax provision -0.03M -0.58M - 0.18M
Interest income 0.17M 0.13M - -
Net interest income -2.89M -2.31M - -0.74M
Total revenue 57.13M 37.89M 0.00M 13.57M
Total operating expenses 61.05M 43.48M 0.09M 17.72M
Cost of revenue 49.11M 32.91M - 6.25M
Total other income expense net 0.15M 5.36M - 0.14M
Net income from continuing ops -6.63M -1.95M -0.09M -4.93M
Breakdown 2024-09-30 2023-09-30 2022-09-30 2021-09-30 2020-09-30
Type yearly yearly yearly yearly yearly
Date 2024-09-30 2023-09-30 2022-09-30 2021-09-30 2020-09-30
Total assets 63.95M 64.08M 0.17M 0.22M 0.15M
Intangible assets 17.64M 14.27M - 14.01M -
Other current assets 13.35M - - - -
Total liab 57.63M 53.64M 0.07M 0.02M 0.01M
Total stockholder equity 6.32M 10.44M 0.11M 0.20M 0.15M
Other current liab 0.24M - - - -
Capital stock 69.03M 67.52M 0.25M 0.25M 0.15M
Retained earnings -67.34M -60.71M -0.19M -0.10M -0.01M
Good will 12.79M 8.63M - 28.05M -
Cash 1.61M 1.47M 0.17M 0.22M 0.15M
Total current liabilities 37.13M 33.43M 0.07M 0.02M 0.01M
Net debt 17.21M 16.57M - 5.37M -
Short long term debt 11.00M 7.58M - 5.99M -
Total current assets 25.83M 28.96M 0.17M 0.22M 0.15M
Long term investments - 0.65M - 1.52M -
Net receivables 6.80M 6.21M - 6.07M -
Long term debt 7.83M 10.46M - 1.69M -
Inventory 2.07M 5.34M - 6.47M -
Accounts payable 11.08M 23.06M - 8.04M -
Non currrent assets other 2.97M 7.37M - 1.71M -
Non current assets total 38.12M 35.12M 0.00M 0.00M 0.00M
Capital lease obligations 3.42M 2.52M - 1.86M -
Breakdown 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly
Date 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Investments -5.18M 0.35M - -1.52M
Total cash from financing activities -2.42M 5.70M 0.00M 2.95M
Net income -6.63M -1.95M -18.58M -4.93M
Change in cash -0.25M 0.52M -0.04M 1.05M
Begin period cash flow 1.97M 1.45M 0.22M 1.29M
End period cash flow 1.61M 1.47M 0.17M 2.34M
Total cash from operating activities 6.21M -5.40M -0.04M -0.36M
Issuance of capital stock - 0.00M 0.00M 4.19M
Depreciation 3.39M 2.46M - 1.54M
Change to inventory - - - 2.00M
Change to account receivables -0.54M 0.18M - -
Capital expenditures 0.79M 0.07M 0.00M 0.41M
Change in working capital 0.14M 0.78M 0.05M 2.00M
Stock based compensation 0.46M 0.91M 0.00M 0.74M
Other non cash items 2.94M -3.37M - 0.42M
Free cash flow 5.42M -5.48M -0.04M -0.77M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(CAD)
Price
(CAD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
EPF
Everyday People Financial Corp.		 -
-%		 0.27 - - 1.00 3.81 1.19 9.83
BTCT
BTC Digital Ltd		 -0.03
0.81%		 3.69 - - 11294.99 0.54 1705.46 -
AFCC-H
Automotive Finco Corp		 0.01
1.03%		 0.98 8.57 - 5.21 0.50 - -6.82

Profile*

Everyday People Financial Corp.

Everyday People Financial Corp. provides credit products in Canada, the United States, and the United Kingdom. The company operates Financial Services; EP Homes services; and Revenue Cycle Management Services segments. It offers structured lease and down payment accumulation program services for home purchasing; and debt collection services for corporations. The company also provides revenue cycle management outsourcing; white label cards; credit cards; prepaid payment cards; health spending accounts; homeownership facilitation; savings loans; and credit and financial literacy services, as well as supply chain solutions. Everyday People Financial Corp. is headquartered in Edmonton, Canada.

11150 Jasper Avenue, Edmonton, AB, Canada, T5K 0C7

888 825 9808

https://everydaypeoplefinancial.com

Name Title Year Born
Mr. Barret J. Reykdal Pres, CEO & Director 1978
Mr. Mayank Mahajan C.A., CPA, M.B.A. Chief Financial Officer 1986
Ms. Renata Berlingo Sr. VP of Operations & Corp. Sec. 1982
Mr. Allan Scullion Chief Technology Officer 1968
Mr. Ryan Watt Pres of Climb 1981
Mr. Morgan Russel Sr. VP of EP Homes 1974
Mr. Darren Wagner Sr. VP of EP Cards & Payments 1971
Mr. Taylor Daniel Inglis M.B.A. Sr. VP of EP Care 1984
Mr. Gordon J. Reykdal Chief Strategy Officer 1958
Mr. Graham Rankin Pres of BPO 1971

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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