Everyday People Financial Corp. (EPF) fair value: what the stock is really worth
We calculate from audited financials what Everyday People Financial Corp. is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
48‑month range C$0.2000 – C$1.01 · fair‑value band C$0.4800 – C$1.46 · the C$0.4100 price screens below the C$0.8200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.
Everyday People Financial Corp. operates as a revenue cycle management company in Canada and the United Kingdom. It provides fee-for-service receivables management; and commissioned or fixed rate debt collection services for corporations.
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Everyday People Financial Corp. operates as a revenue cycle management company in Canada and the United Kingdom. It provides fee-for-service receivables management; and commissioned or fixed rate debt collection services for corporations. The company offers business processing outsourcing, call center support; credit management; and client management solutions. Everyday People Financial Corp. was founded in 1988 and is headquartered in Edmonton, Canada.in Edmonton, Canada.
Stock analysis
Everyday People Financial Corp. (EPF) currently trades at C$0.4100, while our model-based Fair Value estimate is C$0.8200, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of C$0.6700 per share, and 2 of the 4 models we run sit above the C$0.4100 price.
Bear case: the DCF Models group reads lowest at C$0.2200, and 2 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: C$0.4800 (bear) to C$1.46 (bull), the price of C$0.4100 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 35/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Everyday People Financial Corp. reported revenue of C$76.2M in FY2025 versus C$13.6M in FY2021, a compound +53.9%/yr. Reported net income was −C$1.4M in FY2025.
Key figures
Market cap C$77.7M (≈ $56.1M) · P/S ratio 0.95 · EPS (TTM) C$−0.0200 · Net margin −1.9% · Return on equity −18.9% · Return on assets (EBIT) −396% · Operating margin −3.4% · Revenue (TTM) C$81.5M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 49% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −39% fair-value upside, at 100%, EPF screens cheaper than that median.
Fair Value models
Bear C$0.4800Fair Value C$0.8200Bull C$1.46
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.52/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−30.6% (2021) → −1.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+3.6%
Yearly growth needed for the next five years to justify today's price.
Compare Everyday People Financial Corp. with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 335 stocks
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score35 · Bottom 25%
Fair Value upside−90% · Bottom 25%
Profitability
Return on assets−2% · Bottom 25%
Net margin (TTM)−4% · Bottom 25%
Operating margin (TTM)−3% · Bottom 25%
Growth and dividend
Revenue growth35% · Top 25%
Balance sheet
Debt / equity0.51× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Everyday People Financial Corp. Fair Value". https://www.fairvalue-calculator.com/stock/EPF
Frequently asked questions
Is Everyday People Financial Corp. (EPF) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of C$0.8200 versus a price of C$0.4100, about +100% upside (undervalued).
What is the fair value of EPF?
Our model-based fair value for Everyday People Financial Corp. is C$0.8200 (as of Sep 13, 2026), built from audited fundamentals. The current price: C$0.4100.
What is the quality score of EPF?
Everyday People Financial Corp. has a Quality Score of 35/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Everyday People Financial Corp. (EPF)?
Our model-based price target is the fair value of C$0.8200 (as of Sep 13, 2026) from 4 valuation models. Cautious scenario C$0.4800, optimistic scenario C$1.46. It is a calculation from audited fundamentals, not an analyst target.
What is the Everyday People Financial Corp. stock forecast for 2026?
Our models put fair value at C$0.8200, about +100% upside versus a price of C$0.4100 (undervalued). Cautious scenario C$0.4800, optimistic scenario C$1.46. The calculation is refreshed regularly with new filings.
What is the revenue of Everyday People Financial Corp. (EPF)?
Everyday People Financial Corp. reported trailing-twelve-month revenue of about C$81.5M (latest available figure, as of Sep 13, 2026).
What growth is priced into Everyday People Financial Corp. (EPF)?
For today's price to be fair in a discounted-cash-flow model, Everyday People Financial Corp. would have to grow free cash flow by +3.6 % per year for five years (discount rate 11.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +53.9 % per year. As of Sep 13, 2026.
What discount rate (WACC) does the fair value of EPF use?
Our models discount Everyday People Financial Corp. at 11.0 %: a base by market capitalisation (micro), damped by beta 0.45, country premium for Canada. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Everyday People Financial Corp. that is +3.6 % per year a year over ten years, using the same discount rate (11.0 %) and the same formula as our fair value.
How much growth has Everyday People Financial Corp. (EPF) delivered so far?
Over the past 4 years revenue at Everyday People Financial Corp. grew +53.9 % a year. The price currently implies +3.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Everyday People Financial Corp. (EPF) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into Everyday People Financial Corp. (+3.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Everyday People Financial Corp. (EPF)?
The free-cash-flow yield on the price is 10.00 %: that much free cash flow Everyday People Financial Corp. produces per unit of market value. When it exceeds the discount rate of our models (11.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Everyday People Financial Corp. (EPF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Everyday People Financial Corp. it is C$0.8200 per share (as of Sep 13, 2026), against a price of C$0.4100. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Everyday People Financial Corp. stock overvalued or undervalued in 2026?
As of Sep 13, 2026, EPF trades below its calculated fair value: price C$0.4100, fair value C$0.8200, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of EPF?
No. The price is what the market pays today (C$0.4100); the fair value is what the company's own numbers justify (C$0.8200). For Everyday People Financial Corp. the two are C$0.4100 per share apart. That gap is exactly why we show both numbers side by side.
How much is Everyday People Financial Corp. worth?
The market values Everyday People Financial Corp. at about C$77.7M (market capitalisation, as of Sep 13, 2026). Per share that is C$0.4100; our models calculate a fair value of C$0.8200 per share.
What do the bullish and bearish scenarios say about EPF?
Our models span a range for Everyday People Financial Corp.: cautious scenario C$0.4800, base C$0.8200, optimistic C$1.46 per share (as of Sep 13, 2026, price C$0.4100). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Everyday People Financial Corp. (EPF)?
Balance-sheet figures for Everyday People Financial Corp. (as of Sep 13, 2026): return on equity −18.9%, debt of 0.51 per unit of equity. They feed the Quality Score of 35/100, which measures business quality independently of the share price.
How far is EPF from its 52-week high?
Everyday People Financial Corp. trades at C$0.4100, about 49% below its 52-week high of C$0.8100 and 14% above the low of C$0.3600 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of C$0.8200 is for.
Which stocks are comparable to Everyday People Financial Corp.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Everyday People Financial Corp. stock attractive at the current price?
The data as of Sep 13, 2026: price C$0.4100, calculated fair value C$0.8200 (+100%), Quality Score 35/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of EPF calculated?
We run Everyday People Financial Corp. through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of C$0.8200, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.8 % above its aggregate fair value. Everyday People Financial Corp. currently trades 100 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What should I pay attention to with Everyday People Financial Corp. right now?
The large discount to fair value meets weak quality (35/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (C$0.4800). The market is more pessimistic than our downside scenario. The model range is unusually wide (C$0.4800 to C$1.46). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of Everyday People Financial Corp.
How large is the market capitalisation of Everyday People Financial Corp. (EPF)?
The market capitalisation of Everyday People Financial Corp. is C$77.7M (≈ $56.1M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Everyday People Financial Corp. (EPF)?
The price-to-sales ratio of Everyday People Financial Corp. is 0.95 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Everyday People Financial Corp. (EPF)?
Earnings per share at Everyday People Financial Corp. are C$−0.0200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Everyday People Financial Corp. (EPF)?
The net margin of Everyday People Financial Corp. is −1.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Everyday People Financial Corp. (EPF)?
The return on equity (ROE) of Everyday People Financial Corp. is −18.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Everyday People Financial Corp. (EPF)?
On an EBIT basis the return on assets of Everyday People Financial Corp. is −396% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Everyday People Financial Corp. (EPF)?
The operating margin of Everyday People Financial Corp. is −3.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Everyday People Financial Corp. (EPF)?
Revenue at Everyday People Financial Corp. is growing +34.8% versus a year earlier. How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Everyday People Financial Corp. (EPF)?
Earnings per share at Everyday People Financial Corp. are growing −75.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Everyday People Financial Corp. (EPF) carry?
The net debt of Everyday People Financial Corp. is C$12.4M (fiscal year 2025, ≈ 2.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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