EPFCF (Everyday People Financial) LT-Debt-to-Total-Asset: 0.15 (As of Mar. 2026)


EPFCF Everyday People Financial Corp EPFCF
10 GF Score
Price $0.44
Valuation Possible Value Trap
! 2 Warning Signs
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What is Everyday People Financial LT-Debt-to-Total-Asset?

Everyday People Financial EPFCF +0.97% 10 LT-Debt-to-Total-Asset is 0.15 as of Mar. 2026. GuruFocus rates EPFCF with a GF Score™ of 10/100 (Possible Value Trap). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Everyday People Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.15.

Everyday People Financial's long-term debt to total assets ratio declined from Mar. 2025 (0.16) to Mar. 2026 (0.15). It may suggest that Everyday People Financial is progressively becoming less dependent on debt to grow their business.

Everyday People Financial  (OTCPK:EPFCF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Everyday People Financial LT-Debt-to-Total-Asset Related Terms

Everyday People Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Everyday People Financial's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Everyday People Financial Annual Data
Trend Jul20 Jul21 Jul22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial 0.00 0.00 0.19 0.17 0.17

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
LT-Debt-to-Total-Asset 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 0.16 0.15 0.15 0.17 0.15
EPFCF
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Everyday People Financial Corp EPFCF
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Everyday People Financial LT-Debt-to-Total-Asset Calculation

Everyday People Financial's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=7.418/43.84
=0.17

Everyday People Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=6.981/46.121
=0.15

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.15 mean?
Everyday People Financial (EPFCF) has a LT-Debt-to-Total-Asset of 0.15 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Everyday People Financial and its competitors.
Is Everyday People Financial's LT-Debt-to-Total-Asset too high?
Everyday People Financial's current LT-Debt-to-Total-Asset is 0.15. Overall, Everyday People Financial has a GF Score™ of 10/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Everyday People Financial's LT-Debt-to-Total-Asset compare to V and MA?
Everyday People Financial's LT-Debt-to-Total-Asset of 0.15 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 LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Everyday People Financial and its competitors. Everyday People Financial's current LT-Debt-to-Total-Asset is 0.15. 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 current LT-Debt-to-Total-Asset is 0.15. Everyday People Financial's overall GF Score™ is 10/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current LT-Debt-to-Total-Asset is 0.15 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.

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.
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