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Everyday People FinancialEPFCF +8.58%24 Debt-to-EBITDA is 8.04 as of Mar. 2026, which is 89% above its 10-year median of 4.26. 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 282 Credit Services companies, Everyday People Financial ranks better than 59.22% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Everyday People Financial's Debt-to-EBITDA or its related term are showing as below:
EPFCF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -28.55 Med: 4.26 Max: 10.47
Current: 6.32
During the past 6 years, the highest Debt-to-EBITDA Ratio of Everyday People Financial was 10.47. The lowest was -28.55. And the median was 4.26.
EPFCF's Debt-to-EBITDA is ranked better than 59.22% of 282
companies
in the Credit Services industry
Industry Median: 9.3
vs EPFCF: 6.32
Everyday People Financial (OTCPK:EPFCF) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Everyday People Financial Debt-to-EBITDA Related Terms
Everyday People Financial Debt-to-EBITDA 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 Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Everyday People Financial (EPFCF) has a Debt-to-EBITDA of 8.04 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Everyday People Financial. This is 89% above median its historical median of 4.26. According to the industry distribution chart, Everyday People Financial ranks #115 out of 282 companies in the Credit Services industry, placing it in the top 40.8%.
Is Everyday People Financial's Debt-to-EBITDA too high?
Everyday People Financial's current Debt-to-EBITDA of 8.04 is 89% above median its 10-year median of 4.26. The Credit Services industry median Debt-to-EBITDA is 9.30. Everyday People Financial's value of 8.04 is 13.5% below this industry median. Based on the distribution chart, Everyday People Financial ranks #115 out of 282 companies in the Credit Services industry, which is above the industry midpoint. 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 Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #115 out of 282 companies for Debt-to-EBITDA. This puts Everyday People Financial in the upper half of its industry. The industry median Debt-to-EBITDA is 9.30. Everyday People Financial's value of 8.04 is 13.5% below this benchmark. While the company's 10-year median is 4.26 vs. the industry median of 9.30, 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 Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 282 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Everyday People Financial's current Debt-to-EBITDA of 8.04 is 13.5% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Everyday People Financial. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current Debt-to-EBITDA is 8.04, which is 89% above median its own 10-year median of 4.26. 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 Debt-to-EBITDA is 8.04, which is 89% above median its 10-year median of 4.26 and 13.5% below the Credit Services industry median of 9.30. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current Debt-to-EBITDA is 8.04 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:
Debt-to-EBITDA: 8.04 (89% above median its 10-year median of 4.26)
GF Value™: $8.79 vs. price of $0.47 (94.7% below fair value)
Industry Position: 13.5% below the Credit Services median (#115 of 282)
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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