EPFCF (Everyday People Financial) Moat Score: 2/10 (As of Jun. 27, 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 Moat Score?

Everyday People Financial EPFCF +0.97% 10 Moat Score is 2 as of Jun. 27, 2026. GuruFocus rates EPFCF with a GF Score™ of 10/100 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 567 Credit Services companies, Everyday People Financial ranks better than 89.07% on this metric.

Everyday People Financial has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Everyday People Financial has No Moat: Everyday People Financial operates in a competitive financial services market with limited differentiation. It lacks significant market share, proprietary technology, or regulatory barriers, resulting in a weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Everyday People Financial might have No Moat - Very weak/transient advantages.

Everyday People Financial  (OTCPK:EPFCF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Everyday People Financial Moat Score Related Terms

EPFCF vs V, MA, AXP: Moat Score Comparison

For the Credit Services subindustry, Everyday People Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Everyday People Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Everyday People Financial's Moat Score falls into.


EPFCF
10GF Score
Everyday People Financial Corp EPFCF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Everyday People Financial (EPFCF) has a Moat Score of 2 as of Jun. 27, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Everyday People Financial ranks #62 out of 567 companies in the Credit Services industry, placing it in the top 10.9%.
Is Everyday People Financial's Moat Score too high?
Everyday People Financial's current Moat Score is 2. Based on the distribution chart, Everyday People Financial ranks #62 out of 567 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #62 out of 567 companies for Moat Score. This places Everyday People Financial in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Everyday People Financial's current Moat Score is 2. 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 Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current Moat Score is 2 as of Jun. 27, 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.
10GF Score

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