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.

Financial Strength

3/10

Name	Current	Vs Industry
Cash-To-Debt	0.07
Equity-to-Asset	0.17
Debt-to-Equity	2.22
Debt-to-EBITDA	12.7
Piotroski F-Score	2/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	-0.51	Distress Grey Safe
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	6.16
	9-Day RSI	10.98
	14-Day RSI	12.49

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.85
	Quick Ratio	0.69
	Cash Ratio	0.07
	Days Inventory	136.89
	Days Sales Outstanding	162.64
	Days Payable	519.3

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History

Profitability Rank

1/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	61.32
	Operating Margin %	-2.68
	Net Margin %	-7.37
	FCF Margin %	-9.36
	ROE %	-20.58
	ROA %	-3.62
	ROIC %	-1.56
	ROC (Joel Greenblatt) %	-4.22
	ROCE %	-0.47

GF Value Rank

2/10

	Name	Current	Vs Industry		Vs History
	PS Ratio	1.55
	PB Ratio	4.48
	EV-to-EBIT	-389.01
	EV-to-EBITDA	37.72
	EV-to-Revenue	2.29
	EV-to-FCF	-23.99
	Earnings Yield (Greenblatt) %	-0.26
	FCF Yield %	-6.07

GF Value: $8.9

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