EPFCF (Everyday People Financial) Debt-to-Equity : 1.01 (As of Sep. 2024)

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What is Everyday People Financial Debt-to-Equity?

Everyday People Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was $5.99 Mil. Everyday People Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2024 was $4.53 Mil. Everyday People Financial's Total Stockholders Equity for the quarter that ended in Sep. 2024 was $10.40 Mil. Everyday People Financial's debt to equity for the quarter that ended in Sep. 2024 was 1.01.

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: 1.87 Max: 48.42
Current: 1.01

During the past 4 years, the highest Debt-to-Equity Ratio of Everyday People Financial was 48.42. The lowest was 1.01. And the median was 1.87.

EPFCF's Debt-to-Equity is ranked better than
54.65% of 430 companies
in the Credit Services industry
Industry Median: 1.24 vs EPFCF: 1.01

Everyday People Financial Debt-to-Equity Historical Data

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

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Everyday People Financial Debt-to-Equity Chart

Everyday People Financial Annual Data

Trend

Jul20

Jul21

Jul22

Dec23

Debt-to-Equity

48.49

1.97

Everyday People Financial Quarterly Data
	Oct20	Jan21	Apr21	Jul21	Oct21	Jan22	Apr22	Jul22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24
Debt-to-Equity	Get a 7-Day Free Trial										2.22	1.97	1.71	1.42	1.01

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

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's Debt-to-Equity Distribution in the 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.

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Everyday People Financial Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

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

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(6.216	+	9.109)	/	7.78
	=	1.97

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

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(5.994	+	4.527)	/	10.399
	=	1.01

Everyday People Financial (OTCPK:EPFCF) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

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

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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 » Debt-to-Equity

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.