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Everyday People FinancialTSXV:EPF +6.06%25 Return-on-Tangible-Asset is -13.81% as of Mar. 2026. GuruFocus rates TSXV:EPF with a GF Score™ of 25/100. The stock has 3 warning signs investors should review. Among 546 Credit Services companies, Everyday People Financial ranks worse than 90.84% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Everyday People Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was C$-4.82 Mil. Everyday People Financial's average total tangible assets for the quarter that ended in Mar. 2026 was C$34.91 Mil. Therefore, Everyday People Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was -13.81%.
The historical rank and industry rank for Everyday People Financial's Return-on-Tangible-Asset or its related term are showing as below:
TSXV:EPF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -2681.52 Med: -17.91 Max: -4.27
Current: -8.95
During the past 6 years, Everyday People Financial's highest Return-on-Tangible-Asset was -4.27%. The lowest was -2681.52%. And the median was -17.91%.
TSXV:EPF's Return-on-Tangible-Asset is ranked worse than 90.84% of 546
companies
in the Credit Services industry
Industry Median: 1.93
vs TSXV:EPF: -8.95
Everyday People Financial (TSXV:EPF) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Everyday People Financial Return-on-Tangible-Asset Related Terms
Everyday People Financial Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Everyday People Financial's Return-on-Tangible-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 Return-on-Tangible-Asset Chart
TSXV:EPF vs V, MA, AXP: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Everyday People Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Everyday People Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Everyday People Financial's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of -13.81% mean?
Everyday People Financial (TSXV:EPF) has a Return-on-Tangible-Asset of -13.81% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Everyday People Financial and its competitors. According to the industry distribution chart, Everyday People Financial ranks #496 out of 546 companies in the Credit Services industry, placing it in the top 90.8%.
Is Everyday People Financial's Return-on-Tangible-Asset too high?
Everyday People Financial's current Return-on-Tangible-Asset is -13.81%. Based on the distribution chart, Everyday People Financial ranks #496 out of 546 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Everyday People Financial has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Everyday People Financial's Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Everyday People Financial ranks #496 out of 546 companies for Return-on-Tangible-Asset. This places Everyday People Financial in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.93. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.93, based on 546 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Everyday People Financial and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current Return-on-Tangible-Asset is -13.81%. 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?
Everyday People Financial (TSXV:EPF) has a current Return-on-Tangible-Asset of -13.81%. The current Return-on-Tangible-Asset is -13.81%. Everyday People Financial's overall GF Score™ is 25/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Everyday People Financial (TSXV:EPF), the current Return-on-Tangible-Asset is -13.81% 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 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.
25GF Score
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