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Everyday People Financial (TSXV:EPF) EBITDA : C$9.55 Mil (TTM As of Sep. 2024)


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What is Everyday People Financial EBITDA?

Everyday People Financial's EBITDA for the three months ended in Sep. 2024 was C$3.14 Mil. Its EBITDA for the trailing twelve months (TTM) ended in Sep. 2024 was C$9.55 Mil.

During the past 12 months, the average EBITDA Growth Rate of Everyday People Financial was 481.40% 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 EBITDA Growth Rate using EBITDA data.

Everyday People Financial's EBITDA per Share for the three months ended in Sep. 2024 was C$0.03. Its EBITDA per share for the trailing twelve months (TTM) ended in Sep. 2024 was C$0.08.

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 EBITDA per share growth rate using EBITDA per Share data.


Everyday People Financial EBITDA Historical Data

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

* Premium members only.

Everyday People Financial EBITDA Chart

Everyday People Financial Annual Data
Trend Jul20 Jul21 Jul22 Dec23
EBITDA
- -2.69 -0.09 2.37

Everyday People Financial Quarterly Data
Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
EBITDA 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 0.71 1.29 2.94 2.18 3.14

Competitive Comparison of Everyday People Financial's EBITDA

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

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

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


Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

Everyday People Financial's EBITDA for the fiscal year that ended in Dec. 2023 is calculated as

Everyday People Financial's EBITDA was directly provided by GuruFocus' data source Morningstar. For the fiscal year ended in Dec. 2023, Everyday People Financial's EBITDA was C$2.37 Mil.

Everyday People Financial's EBITDA for the quarter that ended in Sep. 2024 is calculated as

Everyday People Financial's EBITDA was directly provided by GuruFocus' data source Morningstar. For the quarter ended in Sep. 2024, Everyday People Financial's EBITDA was C$3.14 Mil.

EBITDA for the trailing twelve months (TTM) ended in Sep. 2024 adds up the quarterly data reported by the company within the most recent 12 months, which was C$9.55 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.

Sometimes companies may have already deducted Depreciation and Amortization from Gross Profit. In this case Depreciation and Amortization needs to be added back when calculating EBITDA.

Everyday People Financial  (TSXV:EPF) EBITDA Explanation

EBITDA is a cash flow measure that ignores changes in working capital. EBITDA minus Depreciation, and Amortization (DA) equals Operating Income. Operating Income is profit before interest and taxes. Of course, Interest and taxes need to be paid.

While depreciation and amortization expenses do not need to be paid in cash, assets - especially tangible assets - do need to be replaced over time. EBITDA is not a measure of profit in any sense. EBITDA is a measure of cash generation by a business where the uses of that cash may be more or less discretionary depending on the nature of the business.

The EBITDA of a TV station is largely discretionary. Owners may use much of the EBITDA generated by a TV station as they see fit. The EBITDA of a railroad is largely non-discretionary. Owners must use much of the EBITDA generated by a railroad to replace the physical assets of the railroad or the business will literally fall apart over time.

EBITDA can be thought of as the cash a business generates that is available to:

Add more inventory
Add more receivables
Replace property, plant, and equipment
Add more property, plant, and equipment
Pay interest
Pay taxes
And finally: pay owners

EBITDA is widely used in financial analysis because Depreciation and Amortization are not present day cash expenses.. Depreciation and amortization are the spreading out of the costs of assets over the time in which those assets provide benefits. Today's depreciation and amortization expenses relate to assets bought in the past. The assets being expensed may or may not need to be replaced in the future. And the cost to replace the assets may be more or less than it was in the past. For this reason, the depreciation and amortization expenses a company records in the present year may have no relationship to the actual cash costs needed to maintain its assets in future years.

A company's depreciation expense depends on both its expectations about the assets it owns and its choice of accounting methods. Two companies owning identical assets may have different depreciation expenses because they have different expectations about the useful lives of those assets and because they make different accounting choices.

Analysts use EBITDA to remove this element of personal choice from a company's accounting statements. The use of EBITDA is an attempt to make the results of different companies more comparable and uniform.


Be Aware

Although depreciation is not a cash cost it is a real business cost because the company has to pay for the fixed assets when they purchase them. Both Warren Buffett and Charlie Munger hate the idea of EBITDA because in this calculation, depreciation is not counted as an expense.

EBITDA over Revenue is a good metric for comparing the operating efficiencies between companies because EBITDA is less vulnerable to companies' accounting choices. For this reason, EBITDA is used in ranking the Predictability of Companies. Also Price-to-EBITDA is sometimes used in valuations.


Everyday People Financial EBITDA Related Terms

Thank you for viewing the detailed overview of Everyday People Financial's EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.


Everyday People Financial Business Description

Traded in Other Exchanges
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.
Executives
Amy Marie Ter Haar Director
Tyler John Hatch Senior Officer
Darren David Colin Wagner Senior Officer
Adelhardt Hermann Glombick Senior Officer
Dilpreet Singh Boparai Senior Officer
Rajvir Jassar Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6)
Scott Cleghorn Sinclair Director
Graham Rankin Director, Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6), Senior Officer
Carrie Lee Reykdal 10% Security Holder, Director or Senior Officer of 10% Security Holder
Gordon Reykdal Director, Senior Officer
Allan Scullion Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6), Senior Officer
Heidi Roszmann Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6)
Peter Sorrentino Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6)

Everyday People Financial Headlines

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