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Everyday People FinancialTSXV:EPF +3.26%33 Days Payable is 118.73 as of Jun. 2026, which is 54% above its 10-year median of 77.32. GuruFocus rates TSXV:EPF with a GF Score™ of 33/100 and a GF Value™ of C$0.73 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 302 Credit Services companies, Everyday People Financial ranks better than 64.24% on this metric.
* 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 Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's Days Payable distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's Days Payable falls into.
Everyday People Financial Days Payable Calculation
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Everyday People Financial's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (TSXV:EPF) has a Days Payable of 118.73 as of Jun. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Everyday People Financial and its competitors. This is 54% above median its historical median of 77.32. Over the past decade, Everyday People Financial's Days Payable has ranged from 63.70 to 107.83. According to the industry distribution chart, Everyday People Financial ranks #108 out of 302 companies in the Credit Services industry, placing it in the top 35.8%.
Is Everyday People Financial's Days Payable too high?
Everyday People Financial's current Days Payable of 118.73 is 54% above median its 10-year median of 77.32. Over the past 10 years, this metric has ranged from a low of 63.70 to a high of 107.83. The Credit Services industry median Days Payable is 32.59. Everyday People Financial's value of 118.73 is 264.3% above this industry median. Based on the distribution chart, Everyday People Financial ranks #108 out of 302 companies in the Credit Services industry, which is above the industry midpoint. Overall, Everyday People Financial has a GF Score™ of 33/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Everyday People Financial's Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #108 out of 302 companies for Days Payable. This puts Everyday People Financial in the upper half of its industry. The industry median Days Payable is 32.59. Everyday People Financial's value of 118.73 is 264.3% above this benchmark. Historically, Everyday People Financial's own Days Payable has ranged from 63.70 to 107.83 over the past decade. While the company's 10-year median is 77.32 vs. the industry median of 32.59, Everyday People Financial has consistently been above 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 32.59, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Everyday People Financial's current Days Payable of 118.73 is 264.3% above 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Everyday People Financial and its competitors. For the Credit Services industry, the median Days Payable is 32.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current Days Payable is 118.73, which is 54% above median its own 10-year median of 77.32. 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 (TSXV:EPF) is currently considered Possible Value Trap. The stock's GF Value™ is C$0.73, compared to a current price of C$0.48 — trading 34.9% below its estimated fair value. The current Days Payable is 118.73, which is 54% above median its 10-year median of 77.32 and 264.3% above the Credit Services industry median of 32.59. Everyday People Financial's overall GF Score™ is 33/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Everyday People Financial (TSXV:EPF), the current Days Payable is 118.73 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 (TSXV:EPF) Overvalued in 2026?
Based on GuruFocus' analysis, Everyday People Financial stock appears to be undervalued.
The current stock price of C$0.48 is trading 34.9% below its estimated GF Value™ of C$0.73.
GuruFocus considers Everyday People Financial to be Possible Value Trap.
Key valuation signals for TSXV:EPF:
Days Payable: 118.73 (54% above median its 10-year median of 77.32)
GF Value™: C$0.73 vs. price of C$0.48 (34.9% below fair value)
Industry Position: 264.3% above the Credit Services median (#108 of 302)
No single metric tells the full story. See the TSXV:EPF 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.
33GF Score
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