Everyday People Financial Corp. reports news on its technology-driven financial services business, including Revenue Cycle Management operations and fee-for-service Financial Services activities in Canada and the United Kingdom. Its RCM business helps organizations recover receivables and streamline billing processes without purchasing consumer debt, while its financial services activities include digital tools and credit access programs for Canadians.
Company updates commonly cover operating and financial results, MD&A disclosures, capital-structure matters, shareholder voting and governance items, material agreements, and regulatory or operational developments tied to the AnyDay/EveryDay Payments platform.
Everyday People Financial Corp (OTCQB: EPFCF) provided an update on March 2, 2026 about XTM Inc. and related operations. On February 27, 2026, XTM and its Canadian subsidiary were granted protection under the Companies' Creditors Arrangement Act (CCAA) by the Ontario Superior Court of Justice.
EPFC is cooperating with the court-appointed Monitor, will continue operating the AnyDay/EveryDay Payments platform to protect merchants' funds, and says its core Revenue Cycle Management business remains strong and unaffected.
Everyday People Financial Corp. (OTCQB: EPFCF) filed an amended MD&A for the three and nine months ended September 30, 2025 to enhance and clarify disclosures about an arrangement with Kenge Enterprises and EAM Enterprises.
The Amended Q3 2025 MD&A clarifies roles, funding mechanics, related‑party relationships, promissory note and trust terms, prior revenue reversals and accounting treatment, and expands risk disclosure. The company says no interim financial statements were restated.
Everyday People Financial (OTCQB: EPFCF) reported Q3 2025 results on November 14, 2025 with consolidated revenue of $18.9M (+6% vs Q3 2024) and nine-month revenue of $58.7M (+21% YoY). The RCM segment delivered a standout quarter: Q3 RCM revenue $18.8M (+51% YoY) and nine-month RCM revenue $51.6M (+40% YoY). RCM adjusted EBITDA rose to $2.728M in Q3 from $1.394M a year earlier.
Management targets >$100M RCM revenue in 2026 and expects EP Payments to process $750M–$1B of tip/wage disbursements in 2026; HSA launch revenues are estimated at $5–$7M annually.
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.