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Everyday People FinancialEPFCF 24 Equity-to-Asset is 0.20 as of Mar. 2026, which is 9% below its 10-year median of 0.22. 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 548 Credit Services companies, Everyday People Financial ranks worse than 69.34% on this metric.
Everyday People Financial (OTCPK:EPFCF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Everyday People Financial Equity-to-Asset Related Terms
Everyday People Financial Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's Equity-to-Asset falls into.
Everyday People Financial Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Everyday People Financial's Equity to Asset Ratio 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 Equity-to-Asset of 0.20 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Everyday People Financial and its competitors. This is near median its historical median of 0.22. Over the past decade, Everyday People Financial's Equity-to-Asset has ranged from 0.10 to 1.00. According to the industry distribution chart, Everyday People Financial ranks #380 out of 548 companies in the Credit Services industry, placing it in the top 69.3%.
Is Everyday People Financial's Equity-to-Asset too high?
Everyday People Financial's current Equity-to-Asset of 0.20 is near median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 1.00. The Credit Services industry median Equity-to-Asset is 0.40. Everyday People Financial's value of 0.20 is 50% below this industry median. Based on the distribution chart, Everyday People Financial ranks #380 out of 548 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 Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #380 out of 548 companies for Equity-to-Asset. This places Everyday People Financial in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Everyday People Financial's value of 0.20 is 50% below this benchmark. Historically, Everyday People Financial's own Equity-to-Asset has ranged from 0.10 to 1.00 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 548 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Everyday People Financial's current Equity-to-Asset of 0.20 is 50% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Everyday People Financial and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current Equity-to-Asset is 0.20, which is near median its own 10-year median of 0.22. 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 $0.33 — trading 96.2% below its estimated fair value. The current Equity-to-Asset is 0.20, which is near median its 10-year median of 0.22 and 50% below the Credit Services industry median of 0.40. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current Equity-to-Asset is 0.20 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 $0.33 is trading 96.2% below its estimated GF Value™ of $8.79.
GuruFocus considers Everyday People Financial to be Possible Value Trap.
Key valuation signals for EPFCF:
Equity-to-Asset: 0.20 (near median its 10-year median of 0.22)
GF Value™: $8.79 vs. price of $0.33 (96.2% below fair value)
Industry Position: 50% below the Credit Services median (#380 of 548)
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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