EPFCF (Everyday People Financial) Cash-to-Debt : 0.05 (As of Sep. 2024)

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What is Everyday People Financial Cash-to-Debt?

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 Sep. 2024 was 0.05.

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 Financial couldn't pay off its debt using the cash in hand for the quarter that ended in Sep. 2024.

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: 0.04 Med: No Debt Max: No Debt
Current: 0.05

During the past 4 years, Everyday People Financial's highest Cash to Debt Ratio was No Debt. The lowest was 0.04. And the median was No Debt.

EPFCF's Cash-to-Debt is ranked worse than
76.42% of 509 companies
in the Credit Services industry
Industry Median: 0.21 vs EPFCF: 0.05

Everyday People Financial Cash-to-Debt Historical Data

The historical data trend for Everyday People Financial's Cash-to-Debt 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.

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.

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Everyday People Financial Cash-to-Debt Chart

Everyday People Financial Annual Data

Trend

Jul20

Jul21

Jul22

Dec23

Cash-to-Debt

No Debt

0.07

Everyday People Financial Quarterly Data
	Jul20	Oct20	Jan21	Apr21	Jul21	Oct21	Jan22	Apr22	Jul22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24
Cash-to-Debt	Get a 7-Day Free Trial											0.07	0.07	0.04	0.04	0.05

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

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's Cash-to-Debt Distribution in the 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.

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Everyday People Financial Cash-to-Debt Calculation

This is the ratio of a company's Cash, Cash Equivalents, Marketable Securities to its debt. The debt includes the Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation. This ratio measures the financial strength of a company. This ratio is updated quarterly.

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

Cash to Debt Ratio	=	Cash, Cash Equivalents, Marketable Securities	/	Total Debt
	=	Cash, Cash Equivalents, Marketable Securities	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	1.093	/	(6.216	+	9.109)
	=	0.07

Everyday People Financial's Cash to Debt Ratio for the quarter that ended in Sep. 2024 is calculated as:

Cash to Debt Ratio	=	Cash, Cash Equivalents, Marketable Securities	/	Total Debt
	=	Cash, Cash Equivalents, Marketable Securities	/	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)
	=	0.496	/	(5.994	+	4.527)
	=	0.05

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

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Everyday People Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » Everyday People Financial Corp (OTCPK:EPFCF) » Definitions » Cash-to-Debt

Comparable Companies

Traded in Other Exchanges

EPF:Canada

Address

11150 Jasper Avenue, Suite 450, Edmonton, AB, CAN, T5K 0C7

Website

https://www.everydaypeoplefinancial.com

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.