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v0.1
EPF.V$0.59-1.67%
Fair $0.59+0.0%

EPF.V

Everyday People Financial Corp.

Financial Services / Credit ServicesTSXV

$0.59

-0.01 (-1.67%)

Fairly Valued+0.0%Fair Value $0.59Fund rank 21/100 · Data gapFallback financials|
SA 12/F
F-Score: 7/9
Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 21/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 15/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

12/100

F

Piotroski

7/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is -10.5%, below the 5% threshold
Thesis & Journal · EPF.VLocal privado en este navegador · Everyday People Financial Corp.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$76M

P/E

N/A

•

EV/EBITDA

21.7x

↑

ROE

-10.5%

↓

Gross Margin

18.4%

↓

Debt/Equity

1.33

↑
52-Week Range$1
$0$1

TradingView lightweight chart

EPF.V price, volumen y niveles de valoración

Último $0.590Periodo +136.0%
Fair value: $0.590

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

—

FCF CAGR

—

FCF margin

7.0%

FCF / Net income

-3.74x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $76.2M · net income $-1.4M · FCF $5.3M

2022-FY → 2025-FY

Gross margin

18.4%— pts

Operating margin

-1.7%— pts

Net margin

-1.9%— pts

FCF margin

7.0%— pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$76.2M$76.2M$57.1M$37.9M—
Net Income$-1.4M$-1.4M$-6.6M$-2.0M$-90545.00
EBITDA$4.2M$4.2M$-779000.00$2.0M$-90545.00
EPS-0.01-0.01-0.06-0.02-0.03
Gross Margin18.4%18.4%14.0%13.1%—
Operating Margin-1.7%-1.7%-6.7%-14.7%—
Net Margin-1.9%-1.9%-11.6%-5.2%—
Balance Sheet
Debt/Equity1.331.333.521.97—
Current Ratio0.850.85———
Cash Flow
Free Cash Flow$5.3M$5.3M$5.4M$-5.5M$-42233.00
Returns
ROE-10.5%-10.5%-104.9%-18.7%-84.8%
Valuation
EV/EBITDA21.6521.65—38.96—
P/B5.555.5513.985.5014.16
Growth & Yield
Revenue Growth33.3%33.3%50.8%——
EPS Growth83.3%83.3%-200.0%33.3%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -19.2%

Total return

-19.2%

Start / end P/E

n/dx → n/dx

EPS bridge

-0.06 → -0.01

Residual

-19.2%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-19.2%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.