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    Specialty Business Services
Everyday People Financial Inc

Everyday People Financial Inc

EPF.V
Everyday People Financial IncCA flagToronto Stock Exchange Ventures
0.38
CAD
+0.01
- -
23.27MMarket Cap
Everyday People Financial Inc
EPF.V
(Toronto Stock Exchange Ventures)

Recent

price

0.38

P/E

ratio

- -

div

yld

- -

ROIC.AI

2020
2021
2022
2023
2024
2025
TTM
FRC
- -
0.16
- -
0.33
0.49
0.6
0.6
Revenue per Share
- -
-0.06
-0.03
-0.02
-0.06
-0.01
-0.03
Basic EPS, GAAP
- -
-0.01
-0.01
-0.05
0.05
0.04
-0.01
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.04
0.06
0.03
0.09
0.05
0.1
0.1
Book Value per Share
0.04
-12.46
0.03
-0.12
-0.2
-0.11
-0.1
Tangible Book Value per Share
- -
86
3
114
116
127
129
Basic Weighted Avg Shares
- -
14
- -
38
57
76
78
Sales/Revenue/Turnover
- -
-30.59
- -
-14.74
-6.66
-1.66
-3.58
Operating Margin (%)
- -
2
- -
2
3
4
4
Depreciation Expense
- -
-5
- -
-2
-7
-1
-4
Net Income, GAAP
- -
- -
- -
- -
- -
- -
69.14
Effective Tax Rate (%)
- -
-36.37
- -
-5.15
-11.6
-1.86
-5.42
Profit Margin (%)
- -
- -
- -
-4
-11
-6
-5
Working Capital
- -
3
- -
12
11
10
9
LT Debt
- -
- -
- -
10
6
13
13
Total Equity
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
280.64
Return on Capital (%)
- -
-2,876.58
-59.55
-37.04
-79.11
-14.34
-28.79
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
8
8
9
LT Borrowings
7
6
6
LT Finance Leases
3
3
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
129
130
130
Market Capitalization
78
61
78

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
28
32
33
Cash, Cash Equivalents & STI
1
1
1
Accounts Receivable, Net
10
12
12
Inventories
- -
- -
- -
Total Current Liabilities
33
38
39
Payables & Accruals
26
26
27
ST Debt
8
8
9
Deferred Revenue
- -
3
3

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
1,947.67%
112.99%
Free Cash Flow
- -
- -
-2.2%
Net Income, GAAP
- -
- -
-78.61%
Sales/Revenue/Turnover
- -
- -
33.35%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15
16
18
9
57
2025
15
18
19
18
76
2026
20
21
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.01
- -
0.01
- -
-0.06
2025
0.01
0.01
- -
- -
-0.01
2026
-0.01
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Phone Web S.A. (MLPHW.PA)
Business
Everyday People Financial Corp. is a Canada-based revenue cycle management company that provides fee-for-service receivables management, business-process outsourcing and debt-collection services to organizations in Canada and the United Kingdom. Established in 1988 and headquartered in Edmonton, Alberta, the company operates a technology-enabled RCM platform that helps clients recover delinquent receivables, administer billing and customer-contact processes, and improve cash collections without purchasing consumer debt. Its services include early- and late-stage collections; outsourced customer service and accounts-receivable management; billing and receivables administration; debt recovery; debtor tracing; credit reporting; legal-enforcement support; affordability assessments; and compliance-focused consumer engagement. The company serves commercial, public-sector and other institutional creditors through BPO Collections Ltd.; Everyday People Financial Solutions Ltd.; CCS Group Holdings Ltd.; General Credit Services Inc.; Groupe Solution Collect Solu Inc.; and ACT Credit Management Ltd., with operations and more than 650 professionals across Canada and the UK. In January 2026, the company acquired UK-based ACT Credit Management, expanding its UK platform to include debt collection, tracing, credit-reporting and legal-enforcement capabilities. In July 2026, Everyday People completed the sale of its non-core Financial Services and EP Homes subsidiaries to FinCard Financial Services Inc., repositioning the company as a pure-play international RCM platform. The company also announced shareholder-approved plans in 2026 to change its corporate name to Global Receivables Management Inc.