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EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Everyday People Financial's enterprise value is $70.57 Mil.
Everyday People Financial's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $2.03 Mil. Therefore, Everyday People Financial's EV-to-EBITDA for today is 34.75.
The historical rank and industry rank for Everyday People Financial's EV-to-EBITDA or its related term are showing as below:
EPFCF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -330 Med: -0.2 Max: 412.56
Current: 36.01
During the past 6 years, the highest EV-to-EBITDA of Everyday People Financial was 412.56. The lowest was -330.00. And the median was -0.20.
EPFCF's EV-to-EBITDA is ranked worse than 72% of 325
companies
in the Credit Services industry
Industry Median: 22.5
vs EPFCF: 36.01
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Everyday People Financial (OTCPK:EPFCF) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Everyday People Financial's PE Ratio (TTM) for today is calculated as:
Everyday People Financial's share price for today is $0.47.
Everyday People Financial's Earnings per Share (Diluted) 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 $-0.014.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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 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 EV-to-EBITDA vs 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.
Everyday People Financial's current Enterprise Value is $70.57 Mil.
Everyday People Financial's EBITDA 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 $2.03 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.
Everyday People Financial (EPFCF) has a EV-to-EBITDA of 34.75 as of Jul. 20, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Everyday People Financial. According to the industry distribution chart, Everyday People Financial ranks #234 out of 325 companies in the Credit Services industry, placing it in the top 72%.
Is Everyday People Financial's EV-to-EBITDA too high?
Everyday People Financial's current EV-to-EBITDA is 34.75. The Credit Services industry median EV-to-EBITDA is 22.50. Everyday People Financial's value of 34.75 is 54.4% above this industry median. Based on the distribution chart, Everyday People Financial ranks #234 out of 325 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 EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #234 out of 325 companies for EV-to-EBITDA. This places Everyday People Financial in the lower half of its industry. The industry median EV-to-EBITDA is 22.50. Everyday People Financial's value of 34.75 is 54.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 22.50, based on 325 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Everyday People Financial's current EV-to-EBITDA of 34.75 is 54.4% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Everyday People Financial. For the Credit Services industry, the median EV-to-EBITDA is 22.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current EV-to-EBITDA is 34.75. 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 $0.47 — trading 94.7% below its estimated fair value. The current EV-to-EBITDA is 34.75 and 54.4% above the Credit Services industry median of 22.50. Everyday People Financial's overall GF Score™ is 24/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current EV-to-EBITDA is 34.75 as of Jul. 20, 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 $0.47 is trading 94.7% below its estimated GF Value™ of $8.79.
GuruFocus considers Everyday People Financial to be Possible Value Trap.
Key valuation signals for EPFCF:
EV-to-EBITDA: 34.75
GF Value™: $8.79 vs. price of $0.47 (94.7% below fair value)
Industry Position: 54.4% above the Credit Services median (#234 of 325)
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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