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Everyday People Financial (TSXV:EPF) Debt-to-EBITDA : 3.98 (As of Dec. 2023)


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What is Everyday People Financial Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Everyday People Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was C$8.34 Mil. Everyday People Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was C$12.22 Mil. Everyday People Financial's annualized EBITDA for the quarter that ended in Dec. 2023 was C$5.16 Mil. Everyday People Financial's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2023 was 3.98.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Everyday People Financial's Debt-to-EBITDA or its related term are showing as below:

TSXV:EPF' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -3.54   Med: -3.54   Max: 12.7
Current: 12.7

During the past 4 years, the highest Debt-to-EBITDA Ratio of Everyday People Financial was 12.70. The lowest was -3.54. And the median was -3.54.

TSXV:EPF's Debt-to-EBITDA is ranked worse than
62.6% of 262 companies
in the Credit Services industry
Industry Median: 7.34 vs TSXV:EPF: 12.70

Everyday People Financial Debt-to-EBITDA Historical Data

The historical data trend for Everyday People Financial's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Everyday People Financial Debt-to-EBITDA Chart

Everyday People Financial Annual Data
Trend Jul20 Jul21 Jul22 Dec23
Debt-to-EBITDA
N/A -3.54 - 8.69

Everyday People Financial Quarterly Data
Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Mar23 Jun23 Sep23 Dec23
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only - 18.49 6.51 7.68 3.98

Competitive Comparison of Everyday People Financial's Debt-to-EBITDA

For the Credit Services subindustry, Everyday People Financial's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Everyday People Financial's Debt-to-EBITDA Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Everyday People Financial's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Everyday People Financial's Debt-to-EBITDA falls into.



Everyday People Financial Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Everyday People Financial's Debt-to-EBITDA for the fiscal year that ended in Dec. 2023 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(8.339 + 12.22) / 2.367
=8.69

Everyday People Financial's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2023 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(8.339 + 12.22) / 5.164
=3.98

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Dec. 2023) EBITDA data.


Everyday People Financial  (TSXV:EPF) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


Everyday People Financial Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Everyday People Financial's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.


Everyday People Financial (TSXV:EPF) Business Description

Traded in Other Exchanges
Address
11150 Jasper Avenue, Suite 450, Edmonton, AB, CAN, T5K 0C7
Everyday People Financial Corp is a financial technology and consumer financing company. Through its technology-driven ecosystem, the group's alternative and specialty credit financing programs offer credit and payment cards, homeownership facilitation, consumer lending, and payment management services. The company's mission is to assist its clients in becoming their financial selves and to offer credit products and services that help ordinary people achieve extraordinary results.
Executives
Amy Marie Ter Haar Director

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