Everyday People Stock Price, News & Analysis

Everyday People Financial Corp (OTCQB: EPFCF) announced on November 6, 2025 that its wholly-owned subsidiary BPO Collections Limited entered into a share purchase agreement to acquire all issued shares of ACT Credit Management Limited.

This is Everyday People’s fifth acquisition and expands its revenue cycle management pillar. Management expects ACT to contribute annual EBITDA of C$750,000–1,000,000 and anticipated annual revenue of C$6.0–9.0 million, which the company says will support steady growth through targeted acquisitions.

Everyday People Financial Corp. (OTCQB: EPFCF) and XTM Inc. (CSE: XTM) entered a Management Services Agreement effective October 22, 2025 to form Everyday People Payments to operate XTM’s Canadian branded card and digital wallet programs.

The joint subsidiary is initially owned 90% by XTM and 10% by EPF, with EPF able to earn additional equity up to 49.9%. The MSA has a five-year initial term, auto-renewing for successive five-year periods. XTM reported $9.1M net revenues in 2024; the collaboration aims to match historical annualized revenues within 12 months and improve margins via EPF cost absorption and fewer than six incremental hires.

Everyday People Financial Corp (OTCQB: EPFCF) and XTM Inc entered a Management Services and Program Management Agreement dated October 22, 2025 to form Everyday People Payments to manage XTM's Canadian branded card and digital wallet programs.

The subsidiary is owned 90% by XTM and 10% by EPF, with milestones allowing EPF to increase to a maximum 49.9% equity. The MSA term is five years with automatic five-year renewals. XTM reported $9.1M net revenue in 2024 and ~200,000 active card users. EPF will assume full operations, eliminate XTM's historical operating costs, run programs on EPF's DC Bank Visa platform, add fewer than six incremental hires, and expects revenue parity within 12 months of transition.

Everyday People Financial (OTCQB: EPFCF) held its annual and special meeting of shareholders on September 29, 2025, where shareholders approved several key corporate governance matters. The meeting resulted in the election of seven directors and the appointment of MNP LLP as the company's auditor.

Shareholders also approved the company's Omnibus Share Incentive Plan, which includes provisions for Options, RSUs, PSUs, and DSUs. The plan sets a 10% rolling limit for total equity awards and a maximum of 5,000,000 Common Shares for Share Units and DSUs specifically.

Everyday People Financial (TSXV: EPF) (OTCQB: EPFCF), a technology-driven financial services provider, will participate in the upcoming Annual Smallcap Discoveries Conference in Vancouver. Executive Chairman Gordon Reykdal will present on September 30, 2025 at the Parq Hotel and Casino.

The conference aims to strengthen Canada's microcap ecosystem by facilitating connections between investors and growth companies, improving capital access, and supporting entrepreneurship. The event will feature company presentations, keynote sessions, and one-on-one meetings.

Everyday People Financial (OTCQB: EPFCF) reported strong Q2 2025 financial results, with revenue surging 40% year-over-year to $22.1 million. The company's six-month revenue increased 30% to $39.8 million, driven by expansion in Revenue Cycle Management (RCM) services and EP Homes program.

Q2 2025 highlights include net income growth to $0.8 million from $0.1 million in Q2 2024, and operating cash flow of $6.2 million for H1 2025. The company's balance sheet strengthened with total assets reaching $73.0 million and shareholders' equity more than doubling to $16.1 million. The successful integration of Commercial Collection Services Limited and pivot to the Borrowed Down Payment Program demonstrates the company's effective execution of its capital-light business strategy.

Everyday People Financial (OTCQB: EPFCF) has announced its upcoming annual and special meeting of shareholders, scheduled for September 29, 2025. The meeting will be held in a virtual format.

The company has set August 20, 2025 as the record date for determining shareholders eligible to receive notice and vote at the meeting. Shareholders will receive a notice and access notification by August 29, 2025, which will include virtual meeting access instructions and information on obtaining meeting materials.

Everyday People Financial (OTCQB: EPFCF) has reported significant operational improvements in its UK Revenue Cycle Management division following AI technology deployments. The implementation of Inicio.AI's digital solutions has led to a 24% reduction in call handling time and a 29% increase in customer engagement, while payment success rates improved to 93%.

The company's UK operations, comprising BPO Collections, Commercial Collection Services, and Everyday People Financial Solutions, now employ over 650 staff. The AI implementation has helped identify approximately $50 million in unclaimed benefits for customers. Fournet's speech analytics technology has reduced post-call wrap-up time by 50%. The company plans to expand these AI technologies to its Canadian operations in fall 2025.

Everyday People Financial Corp. (OTCQB: EPFCF) has completed a strategic sale of its remaining EP Homes inventory to EAM Enterprises for $3.95 million, marking a significant transition to a fee-for-service business model. The transaction generated a gain of $222,153 and enabled the company to retire $3.03 million in housing-related debt with interest rates ranging from 5.74% to 13.5%.

The sale represents a premium to book value and completes the company's strategic exit from non-core operations. This transformation allows Everyday People to focus on its core platforms in Revenue Cycle Management and EP Financial Services, positioning the company for a more scalable, technology-driven future with improved financial metrics.

The transaction was classified as a related party transaction, as the buyer EAM is owned by the spouse of Everyday People's Executive Chairman, though independent appraisals were obtained to ensure fairness.