EPFCF (Everyday People Financial) EBIT: $-0.70 Mil (TTM As of Mar. 2026)


EPFCF Everyday People Financial Corp EPFCF
24 GF Score
Price $0.44
GF Value $8.79
Valuation Possible Value Trap
! 2 Warning Signs
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What is Everyday People Financial EBIT?

Everyday People Financial EPFCF +0.97% 24 EBIT is $-0.70 Mil as of Mar. 2026. GuruFocus rates EPFCF with a GF Score™ of 24/100 and a GF Value™ of $8.79 (Possible Value Trap). The stock has 2 warning signs investors should review.

Everyday People Financial's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was $-0.30 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.70 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Everyday People Financial's annualized ROC % for the quarter that ended in Mar. 2026 was -4.90%. Everyday People Financial's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was -29.64%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Everyday People Financial's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was -1.05%.

Everyday People Financial  (OTCPK:EPFCF) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Everyday People Financial's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=-1.664 * ( 1 - 10.48% )/( (29.435 + 31.363)/ 2 )
=-1.4896128/30.399
=-4.90 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=43.84 - 18.495 - ( 0.985 - max(0, 24.102 - 20.012+0.985))
=29.435

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=46.121 - 18.968 - ( 0.475 - max(0, 27.422 - 23.212+0.475))
=31.363

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Everyday People Financial's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-1.2/( ( (3.864 + max(-0.202, 0)) + (3.674 + max(0.56, 0)) )/ 2 )
=-1.2/( ( 3.864 + 4.234 )/ 2 )
=-1.2/4.049
=-29.64 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(7.559 + 0 + 10.743) - (18.495 + 0 + 0.0090000000000003)
=-0.202

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(8.625 + 0 + 13.532) - (18.968 + 2.358 + 0.271)
=0.56

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Everyday People Financial's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=-0.695/66.228
=-1.05 %

* 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 EBIT Related Terms

Everyday People Financial EBIT Historical Data

* Premium members only.

The historical data trend for Everyday People Financial's EBIT 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.

Everyday People Financial EBIT Chart

Everyday People Financial Annual Data
Trend Jul20 Jul21 Jul22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial -3.38 -0.07 -0.37 -2.93 0.35

Everyday People Financial Quarterly Data
Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.61 1.04 0.65 -2.09 -0.30

EPFCF vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Everyday People Financial's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Everyday People Financial's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Everyday People Financial's EV-to-EBIT falls into.


EPFCF
24GF Score
Everyday People Financial Corp EPFCF
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Everyday People Financial EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.70 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $-0.70 Mil mean?
Everyday People Financial (EPFCF) has a EBIT of $-0.70 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Everyday People Financial.
Is Everyday People Financial's EBIT too high?
Everyday People Financial's current EBIT is $-0.70 Mil. 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 EBIT compare to V and MA?
Everyday People Financial's EBIT of $-0.70 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Everyday People Financial. Everyday People Financial's current EBIT is $-0.70 Mil. 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 $0.44 — trading 95% below its estimated fair value. The current EBIT is $-0.70 Mil. Everyday People Financial's overall GF Score™ is 24/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current EBIT is $-0.70 Mil 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 $0.44 is trading 95% below its estimated GF Value™ of $8.79. GuruFocus considers Everyday People Financial to be Possible Value Trap.

Key valuation signals for EPFCF:

  • EBIT: $-0.70 Mil
  • GF Value™: $8.79 vs. price of $0.44 (95% below fair value)
  • GF Score™: 24/100 with 2 warning signs

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 Business Description

Other Exchanges EPF:Canada
Address 11150 Jasper Avenue, Suite 450, Edmonton, AB, CAN, T5K 0C7
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.
24GF Score

Get the complete analysis for EPFCF

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.44
Price
$8.79
GF Value