Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, Everyday People Financial's Enterprise Value is $66.23 Mil.
Everyday People Financial's EBIT for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.70 Mil. Therefore, Everyday People Financial's EV-to-EBIT ratio for today is -95.29.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
Everyday People Financial (OTCPK:EPFCF) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
Everyday People Financial's EV-to-EBIT for today is
Everyday People Financial's current Enterprise Value is $66.23 Mil.
Everyday People Financial's 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.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
Everyday People Financial's EV-to-EBITDA for today is:
Everyday People Financial's current Enterprise Value is $66.23 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.
Everyday People Financial's current Enterprise Value is $66.23 Mil.
Everyday People Financial's Revenue 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 $57.39 Mil.
Everyday People Financial's current Enterprise Value is $66.23 Mil.
Everyday People Financial's Cash Flow from Operations 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 $3.04 Mil.
Everyday People Financial's current Enterprise Value is $66.23 Mil.
Everyday People Financial's Free Cash Flow 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 $2.48 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 Enterprise Value Related Terms
Everyday People Financial Enterprise Value 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 Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's Enterprise Value distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's Enterprise Value falls into.
Everyday People Financial Enterprise Value Calculation
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
Everyday People Financial's Enterprise Value for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Enterprise Value of $66.23 Mil as of Jun. 26, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Everyday People Financial and its competitors.
Is Everyday People Financial's Enterprise Value too high?
Everyday People Financial's current Enterprise Value is $66.23 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 Enterprise Value compare to V and MA?
Everyday People Financial's Enterprise Value of $66.23 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 Enterprise Value for a Credit Services company?
A good Enterprise Value depends on the Credit Services industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on Everyday People Financial and its competitors. Everyday People Financial's current Enterprise Value is $66.23 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 Enterprise Value is $66.23 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current Enterprise Value is $66.23 Mil as of Jun. 26, 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:
Enterprise Value: $66.23 Mil
GF Value™: $8.79 vs. price of $0.44 (95% below fair value)
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.
24GF Score
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