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Everyday People FinancialEPFCF 10 Cash-to-Debt is 0.03 as of Jun. 2026, which is 63% below its 10-year median of 0.08. GuruFocus rates EPFCF with a GF Score™ of 10/100 and a GF Value™ of $0.52 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 524 Credit Services companies, Everyday People Financial ranks worse than 82.82% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Everyday People Financial's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.03.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Everyday People Financialcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Everyday People Financial's Cash-to-Debt or its related term are showing as below:
EPFCF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.03 Med: 0.08 Max: No Debt
Current: 0.03
During the past 6 years, Everyday People Financial's highest Cash to Debt Ratio was No Debt. The lowest was 0.03. And the median was 0.08.
EPFCF's Cash-to-Debt is ranked worse than 82.82% of 524
companies
in the Credit Services industry
Industry Median: 0.19
vs EPFCF: 0.03
Everyday People Financial (OTCPK:EPFCF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Everyday People Financial Cash-to-Debt Related Terms
Everyday People Financial Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Everyday People Financial's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's Cash-to-Debt 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-to-Debt of 0.03 as of Jun. 2026. This is 63% below median its historical median of 0.08. Over the past decade, Everyday People Financial's Cash-to-Debt has ranged from 0.03 to 10,000.00. According to the industry distribution chart, Everyday People Financial ranks #434 out of 524 companies in the Credit Services industry, placing it in the top 82.8%.
Is Everyday People Financial's Cash-to-Debt too high?
Everyday People Financial's current Cash-to-Debt of 0.03 is 63% below median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 10,000.00. The Credit Services industry median Cash-to-Debt is 0.19. Everyday People Financial's value of 0.03 is 84.2% below this industry median. Based on the distribution chart, Everyday People Financial ranks #434 out of 524 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Everyday People Financial has a GF Score™ of 10/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Everyday People Financial's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #434 out of 524 companies for Cash-to-Debt. This places Everyday People Financial in the lower half of its industry. The industry median Cash-to-Debt is 0.19. Everyday People Financial's value of 0.03 is 84.2% below this benchmark. Historically, Everyday People Financial's own Cash-to-Debt has ranged from 0.03 to 10,000.00 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.19, 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-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Everyday People Financial's current Cash-to-Debt of 0.03 is 84.2% 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-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current Cash-to-Debt is 0.03, which is 63% 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 $0.52, compared to a current price of $0.32 — trading 38.8% below its estimated fair value. The current Cash-to-Debt is 0.03, which is 63% below median its 10-year median of 0.08 and 84.2% below the Credit Services industry median of 0.19. Everyday People Financial's overall GF Score™ is 10/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current Cash-to-Debt is 0.03 as of Jun. 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 $0.32 is trading 38.8% below its estimated GF Value™ of $0.52.
GuruFocus considers Everyday People Financial to be Possible Value Trap.
Key valuation signals for EPFCF:
Cash-to-Debt: 0.03 (63% below median its 10-year median of 0.08)
GF Value™: $0.52 vs. price of $0.32 (38.8% below fair value)
Industry Position: 84.2% below the Credit Services median (#434 of 524)
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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