Everyday People FinancialEPFCF +0.97%24 EBITDA Margin % is 2.67% as of Mar. 2026, which is 40% above its 10-year median of 1.91. 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. Among 414 Credit Services companies, Everyday People Financial ranks worse than 73.67% on this metric.
Everyday People Financial (OTCPK:EPFCF) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Everyday People Financial EBITDA Margin % Related Terms
Everyday People Financial EBITDA Margin % 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 EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's EBITDA Margin % 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 EBITDA Margin % of 2.67% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Everyday People Financial and its competitors. This is 40% above median its historical median of 1.91. According to the industry distribution chart, Everyday People Financial ranks #305 out of 414 companies in the Credit Services industry, placing it in the top 73.7%.
Is Everyday People Financial's EBITDA Margin % too high?
Everyday People Financial's current EBITDA Margin % of 2.67% is 40% above median its 10-year median of 1.91. The Credit Services industry median EBITDA Margin % is 20.91. Everyday People Financial's value of 2.67% is 87.2% below this industry median. Based on the distribution chart, Everyday People Financial ranks #305 out of 414 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 EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #305 out of 414 companies for EBITDA Margin %. This places Everyday People Financial in the lower half of its industry. The industry median EBITDA Margin % is 20.91. Everyday People Financial's value of 2.67% is 87.2% below this benchmark. While the company's 10-year median is 1.91 vs. the industry median of 20.91, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Everyday People Financial's current EBITDA Margin % of 2.67% is 87.2% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Everyday People Financial and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current EBITDA Margin % is 2.67%, which is 40% above median its own 10-year median of 1.91. 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 EBITDA Margin % is 2.67%, which is 40% above median its 10-year median of 1.91 and 87.2% below the Credit Services industry median of 20.91. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current EBITDA Margin % is 2.67% 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:
EBITDA Margin %: 2.67% (40% above median its 10-year median of 1.91)
GF Value™: $8.79 vs. price of $0.44 (95% below fair value)
Industry Position: 87.2% below the Credit Services median (#305 of 414)
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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