During the past 12 months, Everyday People Financial's average Book Value Per Share Growth Rate was -8.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 370.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 27.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Everyday People Financial was 370.30% per year. The lowest was -3.50% per year. And the median was 28.40% per year.
During the past 6 years, the highest P/B Ratio of Everyday People Financial was 250.00. The lowest was 2.25. And the median was 5.77.
Warning Sign:
Everyday People Financial Corp stock PB Ratio (=6.12) is close to 1-year high of 6.73.
Everyday People Financial (OTCPK:EPFCF) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Everyday People Financial Book Value per Share Related Terms
Everyday People Financial Book Value per Share Historical Data
* 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.
Everyday People Financial Book Value per Share Chart
EPFCF vs V, MA, AXP: Book Value per Share Comparison
For the Credit Services subindustry, Everyday People Financial's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's PB Ratio falls into.
* 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.
Everyday People Financial (EPFCF) has a Book Value per Share of $0.07 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Everyday People Financial and its competitors.
Is Everyday People Financial's Book Value per Share too high?
Everyday People Financial's current Book Value per Share is $0.07. Overall, Everyday People Financial has a GF Score™ of 24/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Everyday People Financial's Book Value per Share compare to V and MA?
Everyday People Financial's Book Value per Share of $0.07 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Credit Services company?
A good Book Value per Share depends on the Credit Services industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Everyday People Financial and its competitors. Everyday People Financial's current Book Value per Share is $0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Everyday People Financial stock overvalued right now?
Based on GuruFocus' analysis, Everyday People Financial (EPFCF) is currently considered Possible Value Trap. The stock's GF Value™ is $8.79, compared to a current price of $0.43 — trading 95.1% below its estimated fair value. The current Book Value per Share is $0.07. Everyday People Financial's overall GF Score™ is 24/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current Book Value per Share is $0.07 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Everyday People Financial (EPFCF) Overvalued in 2026?
Based on GuruFocus' analysis, Everyday People Financial stock appears to be undervalued.
The current stock price of $0.43 is trading 95.1% below its estimated GF Value™ of $8.79.
GuruFocus considers Everyday People Financial to be Possible Value Trap.
Key valuation signals for EPFCF:
Book Value per Share: $0.07
GF Value™: $8.79 vs. price of $0.43 (95.1% below fair value)
No single metric tells the full story. See the EPFCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Everyday People Financial Corp is a financial services provider. Through its technology-driven ecosystem, alternative and specialty credit financing programs it offers credit and payment cards, homeownership facilitation, consumer lending, and payment management among other services. The reportable operating segments of the company are; Financial services, EP Homes facilitation services, Revenue cycle management services, and Contract receivable services. The majority of the company's revenue is derived from its Revenue cycle management services segment which provides debt collection services for corporations that have past due and default accounts. Geographically, the company generates a majority of its revenue from Canada followed by the United Kingdom and the United States of America.
24GF Score
Get the complete analysis for EPFCF
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
EPFCF has been successfully added to your 
