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Everyday People FinancialEPFCF 24 Debt-to-Equity is 1.39 as of Mar. 2026, which is 9% below its 10-year median of 1.53. 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 456 Credit Services companies, Everyday People Financial ranks worse than 54.17% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Everyday People Financial's Debt-to-Equity or its related term are showing as below:
EPFCF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.01 Med: 1.53 Max: 3.52
Current: 1.39
During the past 6 years, the highest Debt-to-Equity Ratio of Everyday People Financial was 3.52. The lowest was 1.01. And the median was 1.53.
EPFCF's Debt-to-Equity is ranked worse than 54.17% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs EPFCF: 1.39
Everyday People Financial (OTCPK:EPFCF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Everyday People Financial Debt-to-Equity Related Terms
Everyday People Financial Debt-to-Equity 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-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's Debt-to-Equity 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 Debt-to-Equity of 1.39 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Everyday People Financial and its competitors. This is near median its historical median of 1.53. Over the past decade, Everyday People Financial's Debt-to-Equity has ranged from 1.01 to 3.52. According to the industry distribution chart, Everyday People Financial ranks #247 out of 456 companies in the Credit Services industry, placing it in the top 54.2%.
Is Everyday People Financial's Debt-to-Equity too high?
Everyday People Financial's current Debt-to-Equity of 1.39 is near median its 10-year median of 1.53. Over the past 10 years, this metric has ranged from a low of 1.01 to a high of 3.52. The Credit Services industry median Debt-to-Equity is 1.24. Everyday People Financial's value of 1.39 is 12.6% above this industry median. Based on the distribution chart, Everyday People Financial ranks #247 out of 456 companies in the Credit Services industry, which is below 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-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #247 out of 456 companies for Debt-to-Equity. This places Everyday People Financial in the lower half of its industry. The industry median Debt-to-Equity is 1.24. Everyday People Financial's value of 1.39 is 12.6% above this benchmark. Historically, Everyday People Financial's own Debt-to-Equity has ranged from 1.01 to 3.52 over the past decade. While the company's 10-year median is 1.53 vs. the industry median of 1.24, 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 456 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Everyday People Financial's current Debt-to-Equity of 1.39 is 12.6% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Everyday People Financial and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current Debt-to-Equity is 1.39, which is near median its own 10-year median of 1.53. 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-Equity is 1.39, which is near median its 10-year median of 1.53 and 12.6% above the Credit Services industry median of 1.24. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current Debt-to-Equity is 1.39 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-Equity: 1.39 (near median its 10-year median of 1.53)
GF Value™: $8.79 vs. price of $0.47 (94.7% below fair value)
Industry Position: 12.6% above the Credit Services median (#247 of 456)
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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