Everyday People Financial Corp. offers credit products across Canada, the U.S., and the U.K. While the company boasts a strong gross margin of 68%, its low net margin of 0.1% and minimal return on equity (0.1%) raise concerns about profitability. Additionally, a current ratio of 0.86 suggests potential liquidity issues, compounded by a relatively high debt-to-equity ratio of 1.35. Despite solid margins, the overall financial health score of 41/100 indicates challenges that may impact future growth and stability.
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Company has $513K in cash but burned $300K last quarter. At this burn rate, only 1.7 quarters of runway remain without additional financing.
Debt of $17.8M is 34.7x the company's cash position of $513K.
Company went from $1.6M profit to $-4.2M loss compared to last year.
Exceptional revenue growth of 96.4% YoY demonstrates strong market demand and competitive positioning.
Exceptional gross margin of 66.9% indicates strong pricing power and competitive moat.
Low debt-to-revenue ratio of 22.8% indicates conservative financial management.
Valuation, risk assessment, competitive positioning, and key insights — all in one report.
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Based on 2026-Q2 (June 30, 2026)