EPFCF (Everyday People Financial) EPS without NRI: $-0.01 (TTM As of Mar. 2026)


EPFCF Everyday People Financial Corp EPFCF
24 GF Score
Price $0.43
GF Value $8.79
Valuation Possible Value Trap
! 2 Warning Signs
View Full Analysis

What is Everyday People Financial EPS without NRI?

Everyday People Financial EPFCF 24 EPS without NRI is $-0.01 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. Among 428 Credit Services companies, Everyday People Financial ranks better than 58.41% on this metric.

Everyday People Financial's earnings per share without non-recurring items for the three months ended in Mar. 2026 was $-0.01. Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.01.

During the past 3 years, the average earnings per share (NRI) Growth Rate was 17.20% 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 EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.

The historical rank and industry rank for Everyday People Financial's EPS without NRI or its related term are showing as below:

EPFCF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 5.3   Med: 11.25   Max: 17.2
Current: 17.2

During the past 6 years, Everyday People Financial's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 17.20% per year. The lowest was 5.30% per year. And the median was 11.25% per year.

EPFCF's 3-Year EPS without NRI Growth Rate is ranked better than
58.41% of 428 companies
in the Credit Services industry
Industry Median: 11.5 vs EPFCF: 17.20

Everyday People Financial's EPS (Diluted) for the three months ended in Mar. 2026 was $-0.01. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.01.

Everyday People Financial's EPS (Basic) for the three months ended in Mar. 2026 was $-0.01. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $-0.01.


Everyday People Financial  (OTCPK:EPFCF) EPS without NRI Explanation

EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.


Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.


Everyday People Financial EPS without NRI Related Terms


Everyday People Financial EPS without NRI Historical Data

* Premium members only.

The historical data trend for Everyday People Financial's EPS without NRI 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 EPS without NRI Chart

Everyday People Financial Annual Data
Trend Jul20 Jul21 Jul22 Dec23 Dec24 Dec25
EPS without NRI
Get a 7-Day Free Trial -0.05 -0.02 -0.04 -0.04 -0.01

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
EPS without NRI 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 -0.00 0.01 0.00 -0.02 -0.01

EPFCF vs V, MA, AXP: EPS without NRI Comparison

For the Credit Services subindustry, Everyday People Financial's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Everyday People Financial's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where Everyday People Financial's PE Ratio without NRI falls into.


EPFCF
24GF Score
Everyday People Financial Corp EPFCF
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Everyday People Financial EPS without NRI Calculation

Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.

EPS without NRI 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 $-0.01

* 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 EPS without NRI →
What does a EPS without NRI of $-0.01 mean?
Everyday People Financial (EPFCF) has a EPS without NRI of $-0.01 as of Mar. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Everyday People Financial and its competitors. According to the industry distribution chart, Everyday People Financial ranks #178 out of 428 companies in the Credit Services industry, placing it in the top 41.6%.
Is Everyday People Financial's EPS without NRI too high?
Everyday People Financial's current EPS without NRI is $-0.01. Based on the distribution chart, Everyday People Financial ranks #178 out of 428 companies in the Credit Services industry, which is above 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 EPS without NRI compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #178 out of 428 companies for EPS without NRI. This puts Everyday People Financial in the upper half of its industry. The industry median EPS without NRI is 11.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Credit Services company?
The median EPS without NRI among Credit Services companies is 11.50, based on 428 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI 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 EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on Everyday People Financial and its competitors. For the Credit Services industry, the median EPS without NRI is 11.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current EPS without NRI is $-0.01. 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 $0.43 — trading 95.1% below its estimated fair value. The current EPS without NRI is $-0.01. 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 EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current EPS without NRI is $-0.01 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 $0.43 is trading 95.1% below its estimated GF Value™ of $8.79. GuruFocus considers Everyday People Financial to be Possible Value Trap.

Key valuation signals for EPFCF:

  • EPS without NRI: $-0.01
  • GF Value™: $8.79 vs. price of $0.43 (95.1% 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

EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.43
Price
$8.79
GF Value