Core Insights - Everyday People Financial Corp. reported a record revenue growth of 51% in its Revenue Cycle Management (RCM) segment and expanded its AnyDay Tip Payments Program [1][2] Financial Performance - Q3 revenue increased by 6% to $18.9 million compared to $17.8 million in Q3 2024, while nine-month revenues rose 21% year-over-year to $58.7 million from $48.3 million [1] - RCM segment revenue surged by 51% in Q3 to $18.8 million from $12.5 million in Q3 2024, with nine-month revenue increasing 40% year-over-year to $51.6 million from $36.9 million [2][3] RCM Segment Growth - The RCM operations experienced organic expansion and strategic acquisitions, contributing to double-digit growth in revenue and profitability [3] - The addition of ACT Credit Management positions the company to exceed $100 million in RCM revenue in 2026, targeting a 20% EBITDA margin [4] Financial Services Expansion - The execution of a Management Services Agreement with XTM Inc. allows Everyday People Payments to manage Canadian network-branded card and wallet programs, with expected processing of $750 million to $1 billion in tip and wage disbursements in 2026 [5][4] - The Everyday Health Spending Account (HSA) platform is expected to generate annual revenues of $5 to $7 million at launch, with high contribution margins [7] Operational Strategy - The company emphasizes disciplined cost controls and operational scalability to drive sustainable shareholder value [8] - The growth strategy focuses on expanding RCM leadership, scaling financial services, and delivering strong financial performance under a capital-light model [11] Key Financial Highlights - Adjusted EBITDA for Q3 2025 was $2.341 million, down from $3.085 million in Q3 2024, while nine-month adjusted EBITDA was $6.679 million compared to $8.569 million in the previous year [9] - The adjusted EBITDA for the RCM segment for Q3 2025 was $2.728 million, significantly up from $1.394 million in Q3 2024 [12]

Core Viewpoint - Everyday People Financial Corp. has announced share issuances as part of an advisory agreement with an independent consultant, detailing compensation for services rendered during the quarter ending September 30, 2025 [1][2]. Group 1: Share Issuance Details - The consultant received a monthly fee of $5,000 in cash and a total of $15,000 in common shares for the services provided [2]. - For the quarter ended September 30, 2025, the company issued a total of 21,832 common shares at various deemed prices [2][10]. - The shares are subject to a hold period of four months and one day, in compliance with securities laws and TSX Venture Exchange policies [2]. Group 2: Company Overview - Everyday People Financial Corp. is a technology-driven financial services provider established in 1988, with over 600 employees operating in the UK and Canada [4]. - The company focuses on two main business pillars: Revenue Cycle Management (RCM) and Financial Services, aimed at helping individuals and businesses manage their finances effectively [5]. - The mission of the company is to provide affordable and innovative financial solutions that create lasting value for clients and shareholders [6][7].

Core Points - CareCloud, Inc. has declared monthly cash dividends for its Series A and Series B Preferred Stocks for the last quarter of 2025 [1] - The dividends for Series A and Series B are set at 8.75% per annum based on a $25.00 liquidation preference [2][3] Dividend Details - Series A dividend per share for October, November, and December 2025 is $0.18229, with additional payments of $0.04688 for October and $0.01719 for November [2] - Series B dividend per share for the same months is also $0.18229 [2] - Ex-dividend and record dates for all dividends are the last day of each month, with payment dates scheduled for mid-November, mid-December, and mid-January [2][4] Additional Information - Series A Preferred Stock was converted to common stock on March 6, 2025, and holders of these shares will not receive further dividends [3] - The Series B Preferred Stock is still trading on the Nasdaq Global Market under the ticker symbol "CCLDO" [6] - CareCloud's suite of healthcare technology solutions aims to enhance financial and operational performance for over 40,000 providers [8]

Core Points - Everyday People Financial Corp. announced the results of its annual and special meeting of shareholders held on September 29, 2025, where all proposed matters were approved by shareholders [2]. Group 1: Election of Directors - Seven director nominees were elected to the board, including David Guebert, Nitin Kaushal, Graham Rankin, Barret Reykdal, Gordon Reykdal, Scott Sinclair, and Amy ter Haar [3]. Group 2: Appointment of Independent Auditors - MNP LLP was appointed as the independent auditor for the company until the next annual meeting, with the Board authorized to fix the remuneration of the auditors [4]. Group 3: Annual Approval of Omnibus Share Incentive Plan - The Omnibus Share Incentive Plan was ratified by a majority of disinterested shareholders and is subject to final approval by the TSX Venture Exchange. The plan allows for the issuance of options, restricted share units, performance share units, and deferred share units, with a maximum of 10% of common shares reserved for options and 5,000,000 common shares reserved for share units and deferred share units [5]. Group 4: Company Overview - Everyday People Financial Corp. is a technology-driven financial services provider established in 1988, with over 650 employees operating in the UK and Canada, focusing on fee-for-service solutions [6][7]. - The company aims to help individuals and businesses manage their finances better, providing innovative and responsible financial solutions to create lasting value for clients and shareholders [8][9].

Core Points - Everyday People Financial Corp. is participating in the Annual Smallcap Discoveries Conference in Vancouver on September 30, 2025, where Executive Chairman Gordon Reykdal will present the company's recent and future activities [1] - The conference aims to strengthen Canada's microcap ecosystem by fostering connections between engaged investors and select Canadian growth companies [2] - The event will take place on September 29-30, 2025, at the Parq Hotel and Casino in Vancouver, British Columbia [3] Company Overview - Everyday People Financial Corp. is a technology-driven financial services provider established in 1988, with over 650 employees operating in the UK and Canada [13] - The company focuses on two business pillars: Revenue Cycle Management (RCM) and Financial Services, providing fee-for-service solutions without lending money [14] - The mission of the company is to help individuals and businesses manage money better and to provide affordable, innovative, and responsible financial solutions [15][16] Shareholder Information - On August 14, 2025, the board approved the issuance of 182,000 common shares for the redemption of Restricted Share Units (RSUs) that vested on August 13, 2025 [5] - A further 396,000 RSUs granted to three directors on August 31, 2022, vested and were redeemed for common shares, with 132,000 shares issued to each director on September 15, 2025 [6] - Following these redemptions, the company has 129,080,081 common shares issued and outstanding [6] Incentive Plan - The company's Omnibus Share Incentive Plan allows for the grant of RSUs, options, performance share units, and deferred share units, with a maximum of 10% of common shares reserved for issuance [11] - The plan was last approved by shareholders on July 25, 2024, and received annual approval from the TSX Venture Exchange on July 29, 2024 [12] Future Grants - On August 14, 2025, the board approved the grant of 225,000 RSUs to one officer, which will vest one year from the grant date [8] - Additionally, 37,500 RSUs will be granted to another officer on September 30, 2025 [9]

Core Viewpoint - Everyday People Financial Corp. has successfully closed a shares-for-debt transaction to settle approximately $1.4 million of outstanding debt, enhancing its balance sheet by reducing liabilities and preserving cash resources for operations and growth [1][3]. Debt Settlement Details - The company issued 2,223,651 common shares at a deemed price of $0.63 per share to settle the debt [1]. - Prior debt settlements with EAM included $2 million and $4 million, settled through the issuance of 2,439,024 shares at $0.82 per share and 3,636,364 shares at $1.10 per share, respectively [2]. - After the latest settlement, EAM and Gordon Reykdal will hold approximately 21% of the company's outstanding shares, an increase from 20% [4]. Related Party Transaction - The issuance of shares to EAM is classified as a "related party transaction" under Multilateral Instrument 61-101, with the company relying on exemptions from formal valuation and minority shareholder approval requirements [5]. Voting Trust Agreement - A voting trust agreement was established on August 31, 2022, involving Gordon Reykdal, EAM, and Odyssey Trust Company, allowing the trustee to vote shares beneficially owned by Reykdal and his spouse [6]. Restricted Share Units - The Board of Directors approved the grant of 225,000 restricted share units (RSUs) to an officer, which will vest one year from the date of grant [7]. Company Overview - Everyday People Financial Corp. is a technology-driven financial services provider established in 1988, with over 650 employees operating in the UK and Canada [10]. - The company focuses on Revenue Cycle Management and Financial Services, offering digital tools and credit access programs without lending money [11]. - The mission is to provide affordable and responsible financial solutions to help individuals and businesses manage money better [12].

Core Insights - Everyday People Financial Corp. reported a 40% year-over-year revenue growth in Q2 2025, reaching $22.1 million compared to $15.8 million in Q2 2024, driven by the expansion of its Revenue Cycle Management (RCM) segment and a strategic shift in its EP Homes program [2][4][7] - The company achieved a 30% increase in six-month revenues, totaling $39.8 million, reflecting strong operational performance and disciplined execution of its capital-light business strategy [2][7] - The integration of the acquisition of Commercial Collection Services Limited (CCS) into the RCM platform has contributed significantly to revenue growth, alongside organic client growth [3][7] Financial Performance - Q2 2025 net income was $0.8 million, up from $0.1 million in Q2 2024, while net income for the first half of 2025 reached $1.6 million, compared to $0.9 million for the same period in 2024 [7] - Operating cash flow for the first half of 2025 was $6.2 million, a significant increase from $2.3 million in the same period of 2024 [5] - Adjusted EBITDA for Q2 2025 was $2.2 million, slightly down from $2.4 million in Q2 2024, while for the six months ended June 30, 2025, it was $4.3 million compared to $5.5 million for the same period in 2024 [8][9] Balance Sheet Strength - Total assets increased to $73.0 million as of June 30, 2025, up from $63.9 million at the end of 2024, indicating improved financial stability [7] - Shareholders' equity more than doubled to $16.1 million from $6.3 million at the end of 2024, reflecting strong capital retention and growth [7] - Adjusted Net Working Capital deficiency improved to $1.9 million as of June 30, 2025, from $8.6 million at the end of 2024, showcasing enhanced liquidity management [11] Strategic Outlook - The company is focused on advancing its capital-light business model and executing a disciplined acquisition strategy, positioning itself for sustained growth in the latter half of 2025 and beyond [3][12] - Everyday People aims to enhance client and consumer services through innovative financial products and literacy programs, reinforcing its commitment to helping individuals and businesses manage money better [12][15]

Company Overview - Everyday People Financial Corp. is a technology-driven financial services provider established in 1988, with over 650 employees operating in the UK and Canada [2] - The company focuses on helping individuals and businesses manage their finances better through fully fee-for-service solutions across two business pillars [2] Business Model - The company operates in two main areas: Revenue Cycle Management (RCM) and Financial Services [3] - RCM assists organizations in recovering receivables and streamlining billing processes without purchasing consumer debt [3] - Financial Services offers digital tools and credit access programs to support Canadians on their financial journey without lending money [3] Mission and Values - The company is committed to providing affordable, innovative, and responsible financial solutions aimed at creating lasting value for clients, customers, and shareholders [4] - It operates under the belief that everyone deserves a second chance to rebuild financial health and wealth [4] Client Services - Everyday People Financial Corp. enhances client and consumer services through affordability assessment programs, specialized financial products, and financial literacy programs [5] - The company aims to help individuals rebuild their financial health for generational wealth while ensuring low-cost and effective service delivery [5] Upcoming Events - The company will hold its annual and special meeting of shareholders virtually on September 29, 2025, with a record date of August 20, 2025, for determining eligible shareholders [1] - Shareholders will receive a notice and access notification by August 29, 2025, detailing the meeting schedule and access instructions [1]

Core Insights - CareCloud, Inc. will release its financial results for the second quarter ended June 30, 2025, before the market opens on August 5, 2025 [1] - A conference call for investors will follow at 8:30 a.m. Eastern Time on the same day [1] Company Overview - CareCloud is a leader in AI-powered healthcare technology and revenue cycle management solutions, serving medical practices and health systems across the nation [1] - The company offers a suite of solutions aimed at improving financial and operational performance, streamlining clinical workflows, and enhancing patient experience [4] - More than 40,000 providers rely on CareCloud to improve patient care while reducing administrative burdens and operating costs [4]

Core Insights - CareCloud, Inc. has been added to the Russell Microcap® Index, effective June 30, 2025, highlighting its growing recognition in the healthcare technology sector [1][3] - The company's common stock price increased by approximately 70% during Q2 2025, driven by key developments including the launch of an AI Center of Excellence and a strong cash position of around $10 million [2] Company Developments - The launch of CareCloud's AI Center of Excellence is a significant milestone aimed at enhancing its technological capabilities [2] - The company resumed acquisition activities in targeted growth areas, indicating a strategic focus on expansion [2] - Approximately 3.5 million shares of Series A Preferred Stock were converted into Common Stock on March 6, 2025, reflecting a shift in capital structure [2] Financial Performance - CareCloud reported a strong cash position of approximately $10 million at the end of Q2 2025, which supports its operational and strategic initiatives [2] - The inclusion in the Russell Microcap Index serves as a benchmark for performance in the U.S. small-cap equity market, potentially attracting more institutional investors [3]