EPFCF (Everyday People Financial) ROCE %: -6.24% (As of Mar. 2026)


EPFCF Everyday People Financial Corp EPFCF
24 GF Score
Price $0.44
GF Value $8.79
Valuation Possible Value Trap
! 2 Warning Signs
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What is Everyday People Financial ROCE %?

Everyday People Financial EPFCF +0.97% 24 ROCE % is -6.24% as of Mar. 2026. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Everyday People Financial's annualized ROCE % for the quarter that ended in Mar. 2026 was -6.24%.

Everyday People Financial  (OTCPK:EPFCF) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Everyday People Financial ROCE % Related Terms

Everyday People Financial ROCE % Historical Data

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The historical data trend for Everyday People Financial's ROCE % 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 ROCE % Chart

Everyday People Financial Annual Data
Trend Jul20 Jul21 Jul22 Dec23 Dec24 Dec25
ROCE %
Get a 7-Day Free Trial -2,548.68 -58.58 -3.27 -14.11 1.82

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
ROCE % 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 12.57 19.69 11.66 -39.79 -6.24
EPFCF
24GF Score
Everyday People Financial Corp EPFCF
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Everyday People Financial ROCE % Calculation

Everyday People Financial's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Dec. 2025 )  (A: Dec. 2024 )(A: Dec. 2025 )
=0.351/( ( (44.883 - 26.059) + (43.84 - 24.102) )/ 2 )
=0.351/( (18.824+19.738)/ 2 )
=0.351/19.281
=1.82 %

Everyday People Financial's ROCE % of for the quarter that ended in Mar. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=-1.2/( ( (43.84 - 24.102) + (46.121 - 27.422) )/ 2 )
=-1.2/( ( 19.738 + 18.699 )/ 2 )
=-1.2/19.2185
=-6.24 %

(1) Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT 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.

Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of -6.24% mean?
Everyday People Financial (EPFCF) has a ROCE % of -6.24% as of Mar. 2026.
Is Everyday People Financial's ROCE % too high?
Everyday People Financial's current ROCE % is -6.24%. 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 ROCE % compare to V and MA?
Everyday People Financial's ROCE % of -6.24% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.39, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Everyday People Financial's current ROCE % is -6.24%. 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 ROCE % is -6.24%. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Everyday People Financial (EPFCF), the current ROCE % is -6.24% 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:

  • ROCE %: -6.24%
  • GF Value™: $8.79 vs. price of $0.44 (95% below fair value)
  • GF Score™: 24/100 with 2 warning signs

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 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.
24GF Score

Get the complete analysis for EPFCF

ROCE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.44
Price
$8.79
GF Value