Everyday People FinancialEPFCF +0.97%24 PB Ratio is 6.16 as of Jun. 26, 2026, which is 7% above its 10-year median of 5.77. 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 523 Credit Services companies, Everyday People Financial ranks worse than 94.26% on this metric.
The historical rank and industry rank for Everyday People Financial's PB Ratio or its related term are showing as below:
EPFCF'
s PB Ratio Range Over the Past 10 Years
Min: 2.25 Med: 5.77 Max: 250
Current: 6.25
During the past 6 years, Everyday People Financial's highest PB Ratio was 250.00. The lowest was 2.25. And the median was 5.77.
EPFCF's PB Ratio is ranked worse than 94.26% of 523
companies
in the Credit Services industry
Industry Median: 1.07
vs EPFCF: 6.25
During the past 12 months, Everyday People Financial's average Book Value Per Share Growth Rate was -8.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 370.30% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 27.90% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Everyday People Financial was 370.30% per year. The lowest was -3.50% per year. And the median was 28.40% per year.
Back to Basics: PB Ratio
Everyday People Financial (OTCPK:EPFCF) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Everyday People Financial PB Ratio Related Terms
Everyday People Financial PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Everyday People Financial (EPFCF) has a PB Ratio of 6.16 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Everyday People Financial and its competitors. This is near median its historical median of 5.77. Over the past decade, Everyday People Financial's PB Ratio has ranged from 2.25 to 250.00. According to the industry distribution chart, Everyday People Financial ranks #493 out of 523 companies in the Credit Services industry, placing it in the top 94.3%.
Is Everyday People Financial's PB Ratio too high?
Everyday People Financial's current PB Ratio of 6.16 is near median its 10-year median of 5.77. Over the past 10 years, this metric has ranged from a low of 2.25 to a high of 250.00. The Credit Services industry median PB Ratio is 1.07. Everyday People Financial's value of 6.16 is 475.7% above this industry median. Based on the distribution chart, Everyday People Financial ranks #493 out of 523 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #493 out of 523 companies for PB Ratio. This places Everyday People Financial in the lower half of its industry. The industry median PB Ratio is 1.07. Everyday People Financial's value of 6.16 is 475.7% above this benchmark. Historically, Everyday People Financial's own PB Ratio has ranged from 2.25 to 250.00 over the past decade. While the company's 10-year median is 5.77 vs. the industry median of 1.07, Everyday People Financial has consistently been above 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Everyday People Financial's current PB Ratio of 6.16 is 475.7% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Everyday People Financial and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current PB Ratio is 6.16, which is near median its own 10-year median of 5.77. 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 PB Ratio is 6.16, which is near median its 10-year median of 5.77 and 475.7% above the Credit Services industry median of 1.07. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current PB Ratio is 6.16 as of Jun. 26, 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:
PB Ratio: 6.16 (near median its 10-year median of 5.77)
GF Value™: $8.79 vs. price of $0.44 (95% below fair value)
Industry Position: 475.7% above the Credit Services median (#493 of 523)
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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