Everyday People FinancialEPFCF +0.97%24 Quick Ratio is 0.85 as of Mar. 2026, which is 3% below its 10-year median of 0.88. 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 394 Credit Services companies, Everyday People Financial ranks worse than 92.64% on this metric.
Everyday People Financial has a quick ratio of 0.85. It indicates that the company cannot currently fully pay back its current liabilities.
The historical rank and industry rank for Everyday People Financial's Quick Ratio or its related term are showing as below:
EPFCF'
s Quick Ratio Range Over the Past 10 Years
Min: 0.64 Med: 0.88 Max: 237
Current: 0.85
During the past 6 years, Everyday People Financial's highest Quick Ratio was 237.00. The lowest was 0.64. And the median was 0.88.
EPFCF's Quick Ratio is ranked worse than 92.64% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs EPFCF: 0.85
Everyday People Financial (OTCPK:EPFCF) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Everyday People Financial Quick Ratio Related Terms
Everyday People Financial Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Everyday People Financial's Quick 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 Quick Ratio of 0.85 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Everyday People Financial and its competitors. This is near median its historical median of 0.88. Over the past decade, Everyday People Financial's Quick Ratio has ranged from 0.64 to 237.00. According to the industry distribution chart, Everyday People Financial ranks #365 out of 394 companies in the Credit Services industry, placing it in the top 92.6%.
Is Everyday People Financial's Quick Ratio too high?
Everyday People Financial's current Quick Ratio of 0.85 is near median its 10-year median of 0.88. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 237.00. The Credit Services industry median Quick Ratio is 4.93. Everyday People Financial's value of 0.85 is 82.8% below this industry median. Based on the distribution chart, Everyday People Financial ranks #365 out of 394 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 Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #365 out of 394 companies for Quick Ratio. This places Everyday People Financial in the lower half of its industry. The industry median Quick Ratio is 4.93. Everyday People Financial's value of 0.85 is 82.8% below this benchmark. Historically, Everyday People Financial's own Quick Ratio has ranged from 0.64 to 237.00 over the past decade. While the company's 10-year median is 0.88 vs. the industry median of 4.93, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Everyday People Financial's current Quick Ratio of 0.85 is 82.8% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Everyday People Financial and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current Quick Ratio is 0.85, which is near median its own 10-year median of 0.88. 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 Quick Ratio is 0.85, which is near median its 10-year median of 0.88 and 82.8% below the Credit Services industry median of 4.93. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current Quick Ratio is 0.85 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:
Quick Ratio: 0.85 (near median its 10-year median of 0.88)
GF Value™: $8.79 vs. price of $0.44 (95% below fair value)
Industry Position: 82.8% below the Credit Services median (#365 of 394)
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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