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Everyday People FinancialEPFCF 24 Cash Ratio is 0.02 as of Mar. 2026, which is 75% below its 10-year median of 0.08. GuruFocus rates EPFCF with a GF Score™ of 24/100 and a GF Value™ of $8.79 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 387 Credit Services companies, Everyday People Financial ranks worse than 93.8% on this metric.
Everyday People Financial has a Cash Ratio of 0.02. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Everyday People Financial's Cash Ratio or its related term are showing as below:
EPFCF'
s Cash Ratio Range Over the Past 10 Years
Min: 0.02 Med: 0.08 Max: 237
Current: 0.02
During the past 6 years, Everyday People Financial's highest Cash Ratio was 237.00. The lowest was 0.02. And the median was 0.08.
EPFCF's Cash Ratio is ranked worse than 93.8% of 387
companies
in the Credit Services industry
Industry Median: 0.63
vs EPFCF: 0.02
Everyday People Financial (OTCPK:EPFCF) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Everyday People Financial Cash Ratio Related Terms
Everyday People Financial Cash Ratio 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.
For the Credit Services subindustry, Everyday People Financial's Cash Ratio, along with its competitors' market caps and Cash 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 Cash Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's Cash 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 Cash Ratio of 0.02 as of Mar. 2026. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Everyday People Financial and its competitors. This is 75% below median its historical median of 0.08. Over the past decade, Everyday People Financial's Cash Ratio has ranged from 0.02 to 237.00. According to the industry distribution chart, Everyday People Financial ranks #363 out of 387 companies in the Credit Services industry, placing it in the top 93.8%.
Is Everyday People Financial's Cash Ratio too high?
Everyday People Financial's current Cash Ratio of 0.02 is 75% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 237.00. The Credit Services industry median Cash Ratio is 0.63. Everyday People Financial's value of 0.02 is 96.8% below this industry median. Based on the distribution chart, Everyday People Financial ranks #363 out of 387 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #363 out of 387 companies for Cash Ratio. This places Everyday People Financial in the lower half of its industry. The industry median Cash Ratio is 0.63. Everyday People Financial's value of 0.02 is 96.8% below this benchmark. Historically, Everyday People Financial's own Cash Ratio has ranged from 0.02 to 237.00 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.63, Everyday People Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.63, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Everyday People Financial's current Cash Ratio of 0.02 is 96.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Everyday People Financial and its competitors. For the Credit Services industry, the median Cash Ratio is 0.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current Cash Ratio is 0.02, which is 75% below median its own 10-year median of 0.08. 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 $0.47 — trading 94.7% below its estimated fair value. The current Cash Ratio is 0.02, which is 75% below median its 10-year median of 0.08 and 96.8% below the Credit Services industry median of 0.63. 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 Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current Cash Ratio is 0.02 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 $0.47 is trading 94.7% below its estimated GF Value™ of $8.79.
GuruFocus considers Everyday People Financial to be Possible Value Trap.
Key valuation signals for EPFCF:
Cash Ratio: 0.02 (75% below median its 10-year median of 0.08)
GF Value™: $8.79 vs. price of $0.47 (94.7% below fair value)
Industry Position: 96.8% below the Credit Services median (#363 of 387)
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.
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