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Everyday People FinancialEPFCF 10 3-Year EPS without NRI Growth Rate is 17.20% as of Jun. 2026, which is 53% above its 10-year median of 11.25. GuruFocus rates EPFCF with a GF Score™ of 10/100 and a GF Value™ of $0.52 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 429 Credit Services companies, Everyday People Financial ranks better than 58.74% on this metric.
During the past 3 years, the average EPS without NRI Growth Rate was 17.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 6 years, the highest 3-Year average EPS without NRI Growth Rate of Everyday People Financial was 17.20% per year. The lowest was 5.30% per year. And the median was 11.25% per year.
Everyday People Financial (OTCPK:EPFCF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Everyday People Financial 3-Year EPS without NRI Growth Rate Related Terms
EPFCF vs V, MA, AXP: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Everyday People Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's 3-Year EPS without NRI Growth Rate falls into.
Everyday People Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 17.20% mean?
Everyday People Financial (EPFCF) has a 3-Year EPS without NRI Growth Rate of 17.20% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Everyday People Financial and its competitors. This is 53% above median its historical median of 11.25. Over the past decade, Everyday People Financial's 3-Year EPS without NRI Growth Rate has ranged from 5.30 to 17.20. According to the industry distribution chart, Everyday People Financial ranks #177 out of 429 companies in the Credit Services industry, placing it in the top 41.3%.
Is Everyday People Financial's 3-Year EPS without NRI Growth Rate too high?
Everyday People Financial's current 3-Year EPS without NRI Growth Rate of 17.20% is 53% above median its 10-year median of 11.25. Over the past 10 years, this metric has ranged from a low of 5.30 to a high of 17.20. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. Everyday People Financial's value of 17.20% is 50.9% above this industry median. Based on the distribution chart, Everyday People Financial ranks #177 out of 429 companies in the Credit Services industry, which is above the industry midpoint. Overall, Everyday People Financial has a GF Score™ of 10/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Everyday People Financial's 3-Year EPS without NRI Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #177 out of 429 companies for 3-Year EPS without NRI Growth Rate. This puts Everyday People Financial in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.40. Everyday People Financial's value of 17.20% is 50.9% above this benchmark. Historically, Everyday People Financial's own 3-Year EPS without NRI Growth Rate has ranged from 5.30 to 17.20 over the past decade. While the company's 10-year median is 11.25 vs. the industry median of 11.40, 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 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 429 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Everyday People Financial's current 3-Year EPS without NRI Growth Rate of 17.20% is 50.9% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Everyday People Financial and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current 3-Year EPS without NRI Growth Rate is 17.20%, which is 53% above median its own 10-year median of 11.25. 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 $0.52, compared to a current price of $0.33 — trading 37% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 17.20%, which is 53% above median its 10-year median of 11.25 and 50.9% above the Credit Services industry median of 11.40. Everyday People Financial's overall GF Score™ is 10/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current 3-Year EPS without NRI Growth Rate is 17.20% 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 (EPFCF) Overvalued in 2026?
Based on GuruFocus' analysis, Everyday People Financial stock appears to be undervalued.
The current stock price of $0.33 is trading 37% below its estimated GF Value™ of $0.52.
GuruFocus considers Everyday People Financial to be Possible Value Trap.
Key valuation signals for EPFCF:
3-Year EPS without NRI Growth Rate: 17.20% (53% above median its 10-year median of 11.25)
GF Value™: $0.52 vs. price of $0.33 (37% below fair value)
Industry Position: 50.9% above the Credit Services median (#177 of 429)
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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