(EPF) Everyday People Financial - Ratings and Ratios

Everyday People Financial Corp. (V:EPF) is a consumer finance company operating in Canada, the United States, and the United Kingdom. The company is structured into four business segments: Financial Services, EP Homes Facilitation Services, Revenue Cycle Management Services, and Contract Receivable Services. Its product portfolio includes secured and prepaid payment credit cards, structured lease and down payment accumulation programs for homebuyers, debt collection services for corporate clients, and residential and commercial security contracts between consumers and alarm companies. Additionally, the firm offers revenue cycle management outsourcing, white-label call center services, white-label card solutions, digital gift cards, credit and financial literacy programs, health and wellness financing, homeownership facilitation services, savings loans, and health spending account services.

Headquartered in Edmonton, Canada, Everyday People Financial Corp. focuses on providing financial solutions tailored to a broad range of consumers and businesses. The companys services are designed to address diverse financial needs, from credit access and debt management to home financing and health-related expenses. Its operations are supported by a mix of digital platforms and outsourcing models, enabling it to maintain a scalable and cost-efficient business structure.

Based on the provided data, Everyday People Financial Corp. is trading at CAD 0.82 with a 20-day average volume of 62,088 shares. The stock is currently below its 20-day simple moving average (SMA) of 0.86 but above its 50-day SMA of 0.77. The 200-day SMA stands at 0.47, indicating a longer-term upward trend. The average true range (ATR) of 0.07 reflects relatively low price volatility. On the fundamental side, the company has a market capitalization of CAD 105.72 million, a price-to-earnings (P/E) ratio of 28.00, and a price-to-book (P/B) ratio of 7.15, suggesting a premium valuation relative to its book value. The return on equity (RoE) of 14.50% indicates moderate profitability.

3-Month Forecast: The stock is likely to experience sideways to slightly upward movement in the near term, supported by its position above the 50-day SMA. However, resistance near the 20-day SMA (0.86) could cap upside momentum. If volume increases and the stock breaks above this level, it may test higher resistance zones. Conversely, a breakdown below the 50-day SMA could lead to a retest of the 200-day SMA. The low ATR suggests that price movements will remain constrained, with limited directional momentum. Longer-term trends will depend on the companys ability to sustain revenue growth and justify its current valuation multiples.