Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Everyday People Financial's
Operating Income
for the
three
months ended in Mar. 2026 was $-0.42 Mil. Everyday People Financial's Interest Expense for the
three
months ended in Mar. 2026 was $-0.24 Mil.
did not have earnings to cover the interest expense.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Everyday People Financial's Interest Coverage or its related term are showing as below:
EPFCF's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 47.86 * Ranked among companies with meaningful Interest Coverage only.
Everyday People Financial (OTCPK:EPFCF) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Everyday People Financial Interest Coverage Related Terms
Everyday People Financial Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Everyday People Financial's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's Interest Coverage falls into.
Everyday People Financial Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Everyday People Financial did not have earnings to cover the interest expense.
* 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.
What does a Interest Coverage of 0 (At Loss) mean?
Everyday People Financial (EPFCF) has a Interest Coverage of 0 (At Loss) as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Everyday People Financial and its competitors. According to the industry distribution chart, Everyday People Financial ranks #999999 out of 163 companies in the Credit Services industry.
Is Everyday People Financial's Interest Coverage too high?
Everyday People Financial's current Interest Coverage is 0 (At Loss). Based on the distribution chart, Everyday People Financial ranks #999999 out of 163 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #999999 out of 163 companies for Interest Coverage. This places Everyday People Financial in the lower half of its industry. The industry median Interest Coverage is 47.86. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 47.86, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Everyday People Financial and its competitors. For the Credit Services industry, the median Interest Coverage is 47.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current Interest Coverage is 0 (At Loss). 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 Interest Coverage is 0 (At Loss). 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current Interest Coverage is 0 (At Loss) 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 $0.44 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:
Interest Coverage: 0 (At Loss)
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
Get the complete analysis for EPFCF
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