Why Everyday People Financial is the Undervalued Fintech Gem for Emerging Markets Growth

The fintech sector is a goldmine of opportunities, but identifying undervalued players poised for exponential growth requires precision. Enter Everyday People Financial (EPF), a company that’s quietly dominating underserved markets—and its recent presentation at the Centurion One Capital 6th Annual LA Summit signals a turning point for its global ambitions. While the company’s focus remains on Canada and the UK today, its scalable business model and strategic innovations position it as a prime candidate to capitalize on emerging markets’ untapped potential.

The Power of Underserved Markets: A Blueprint for Expansion

Everyday People Financial’s core strength lies in its ability to deliver technology-driven financial solutions to regions where traditional banking falls short. At the LA Summit, CEO Gordon Reykdal highlighted the company’s Revenue Cycle Management (RCM) segment, which grew by 23% in Q1 2025, and its capital-light, fee-based revenue model—a rarity in an industry dominated by high-risk lending.

But here’s the key insight: underserved markets in developed economies (like Canada and the UK) mirror the challenges of emerging markets. Both lack access to affordable credit, struggle with financial literacy, and require tech-enabled solutions to bridge gaps. Everyday People’s success in these regions proves its model can scale globally.

Why Emerging Markets Will Be EPF’s Next Frontier

While EPF hasn’t explicitly targeted emerging markets yet, its strategy contains the building blocks for global dominance:
1. Scalable Technology: Its digital tools for affordability assessments and financial literacy programs are easily adaptable to diverse markets.
2. Low-Cost, High-Margin Model: Unlike banks reliant on interest income, EPF’s fee-based RCM and financial services generate recurring revenue with minimal capital.
3. Proven Partnership Ecosystem: Its partnership with Digital Commerce Bank (a cornerstone of its prepaid card rollout) demonstrates how it can leverage local institutions to enter new regions.

EPF’s valuation lags behind broader fintech trends, despite outperforming in key metrics like cash flow and RCM growth.

The LA Summit: A Catalyst for Investor Attention

The Centurion One LA Summit isn’t just a networking event—it’s a launchpad for growth stories. By showcasing its RCM innovation and financial inclusion initiatives, EPF is now on the radar of global investors. The summit’s focus on growth companies in North America may have drawn attention to its current markets, but its broader narrative—of solving systemic financial barriers—is universal.

EPF trades at a 40% discount to peers, despite faster revenue growth and superior cash flow metrics.

Risks? Yes. But the Reward-to-Risk Ratio Is Compelling

Critics might argue EPF’s lack of direct emerging market exposure is a risk. But consider this: emerging markets are already in its DNA. The tools it uses in Canada and the UK—like its Everyday Wallet prepaid card and supply chain financing programs—are identical to what’s needed in regions like Southeast Asia or Africa.

A strategic partnership or regional acquisition could unlock explosive growth. And with $1.6M in positive cash flow in Q1 2025 (up from -$0.7M a year ago), EPF has the financial flexibility to act.

Invest Now, Before the Market Catches On

Everyday People Financial is a hidden champion with a rare combination of:
- Proven execution in underserved markets
- Scalable, low-risk revenue streams
- A valuation that ignores its growth potential

The LA Summit was a wake-up call for investors to pay attention. As emerging markets demand fintech solutions, EPF’s model is primed to leapfrog competitors.

Act now—before the crowd realizes what this company can do.

Final Note: Monitor EPF’s Q2 2025 results for signs of expansion into adjacent markets. A disciplined acquisition or strategic partnership announcement could be the catalyst for a valuation reset.