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ACCORD FINANCIAL CORP (ACD-DB.CA) Stock Price, Forecast & Analysis

Canada - Toronto Stock Exchange - TSX:ACD-DB - CA00435LAA67

81 CAD
-6 (-6.9%)
Last: 12/5/2025, 7:00:00 PM
Fundamental Rating

3

ACD-DB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 28 industry peers in the Financial Services industry. While ACD-DB seems to be doing ok healthwise, there are quite some concerns on its profitability. ACD-DB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ACD-DB has reported negative net income.
ACD-DB had a negative operating cash flow in the past year.
In multiple years ACD-DB reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: ACD-DB reported negative operating cash flow in multiple years.
ACD-DB.CA Yearly Net Income VS EBIT VS OCF VS FCFACD-DB.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M

1.2 Ratios

The Return On Assets of ACD-DB (-1.49%) is worse than 89.29% of its industry peers.
Looking at the Return On Equity, with a value of -8.50%, ACD-DB is doing worse than 89.29% of the companies in the same industry.
ACD-DB has a Return On Invested Capital of 18.66%. This is amongst the best in the industry. ACD-DB outperforms 96.43% of its industry peers.
ACD-DB had an Average Return On Invested Capital over the past 3 years of 13.79%. This is significantly above the industry average of 5.82%.
The last Return On Invested Capital (18.66%) for ACD-DB is above the 3 year average (13.79%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -1.49%
ROE -8.5%
ROIC 18.66%
ROA(3y)-1.11%
ROA(5y)-0.18%
ROE(3y)-6.63%
ROE(5y)-1.51%
ROIC(3y)13.79%
ROIC(5y)12.82%
ACD-DB.CA Yearly ROA, ROE, ROICACD-DB.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

1.3 Margins

With a Operating Margin value of 35.88%, ACD-DB perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
In the last couple of years the Operating Margin of ACD-DB has remained more or less at the same level.
The Profit Margin and Gross Margin are not available for ACD-DB so they could not be analyzed.
Industry RankSector Rank
OM 35.88%
PM (TTM) N/A
GM N/A
OM growth 3Y-8.47%
OM growth 5Y0.34%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
ACD-DB.CA Yearly Profit, Operating, Gross MarginsACD-DB.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40

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5

2. Health

2.1 Basic Checks

ACD-DB has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, ACD-DB has about the same amount of shares outstanding.
The number of shares outstanding for ACD-DB has been reduced compared to 5 years ago.
ACD-DB has a better debt/assets ratio than last year.
ACD-DB.CA Yearly Shares OutstandingACD-DB.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
ACD-DB.CA Yearly Total Debt VS Total AssetsACD-DB.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.2 Solvency

ACD-DB has an Altman-Z score of 1.86. This is not the best score and indicates that ACD-DB is in the grey zone with still only limited risk for bankruptcy at the moment.
ACD-DB has a Altman-Z score of 1.86. This is in the lower half of the industry: ACD-DB underperforms 64.29% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that ACD-DB is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.16, ACD-DB belongs to the best of the industry, outperforming 89.29% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF N/A
Altman-Z 1.86
ROIC/WACC2.58
WACC7.24%
ACD-DB.CA Yearly LT Debt VS Equity VS FCFACD-DB.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M 150M

2.3 Liquidity

ACD-DB has a Current Ratio of 1.19. This is a normal value and indicates that ACD-DB is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of ACD-DB (1.19) is better than 75.00% of its industry peers.
A Quick Ratio of 1.19 indicates that ACD-DB should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.19, ACD-DB is doing good in the industry, outperforming 75.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.19
Quick Ratio 1.19
ACD-DB.CA Yearly Current Assets VS Current LiabilitesACD-DB.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 26.75% over the past year.
ACD-DB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -19.88%.
The Revenue has been growing by 8.13% on average over the past years. This is quite good.
EPS 1Y (TTM)26.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-213.64%
Revenue 1Y (TTM)-19.88%
Revenue growth 3Y9.37%
Revenue growth 5Y8.13%
Sales Q2Q%-25.68%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
ACD-DB.CA Yearly Revenue VS EstimatesACD-DB.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
ACD-DB.CA Yearly EPS VS EstimatesACD-DB.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 0 0.5 -0.5

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1

4. Valuation

4.1 Price/Earnings Ratio

ACD-DB reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
ACD-DB.CA Price Earnings VS Forward Price EarningsACD-DB.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ACD-DB is valued cheaper than 85.71% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 41.1
ACD-DB.CA Per share dataACD-DB.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6 8

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for ACD-DB!.
Industry RankSector Rank
Dividend Yield N/A

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ACCORD FINANCIAL CORP

TSX:ACD-DB (12/5/2025, 7:00:00 PM)

81

-6 (-6.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2025-11-04
Earnings (Next)04-06 2026-04-06
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners2.83%
Ins Owner ChangeN/A
Market Cap693.36M
Revenue(TTM)68.69M
Net Income(TTM)-6.49M
Analysts80
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 10.09
P/FCF N/A
P/OCF N/A
P/B 9.08
P/tB 9.08
EV/EBITDA 41.1
EPS(TTM)-0.76
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-3.75
FCFYN/A
OCF(TTM)-3.73
OCFYN/A
SpS8.02
BVpS8.92
TBVpS8.92
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.49%
ROE -8.5%
ROCE 25.91%
ROIC 18.66%
ROICexc 20.05%
ROICexgc 21.81%
OM 35.88%
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-1.11%
ROA(5y)-0.18%
ROE(3y)-6.63%
ROE(5y)-1.51%
ROIC(3y)13.79%
ROIC(5y)12.82%
ROICexc(3y)15.36%
ROICexc(5y)14.15%
ROICexgc(3y)16.21%
ROICexgc(5y)15.45%
ROCE(3y)19.15%
ROCE(5y)17.8%
ROICexgc growth 3Y8.12%
ROICexgc growth 5Y14.25%
ROICexc growth 3Y11.47%
ROICexc growth 5Y16.51%
OM growth 3Y-8.47%
OM growth 5Y0.34%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.16
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF N/A
Debt/EBITDA 0.49
Cap/Depr 34.92%
Cap/Sales 0.25%
Interest Coverage 0.94
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.19
Quick Ratio 1.19
Altman-Z 1.86
F-Score3
WACC7.24%
ROIC/WACC2.58
Cap/Depr(3y)38.24%
Cap/Depr(5y)25.63%
Cap/Sales(3y)0.35%
Cap/Sales(5y)0.25%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)26.75%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-213.64%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-19.88%
Revenue growth 3Y9.37%
Revenue growth 5Y8.13%
Sales Q2Q%-25.68%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-25.94%
EBIT growth 3Y0.1%
EBIT growth 5Y8.5%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y17.56%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y17.4%
OCF growth 3YN/A
OCF growth 5YN/A

ACCORD FINANCIAL CORP / ACD-DB.CA FAQ

What does ACCORD FINANCIAL CORP do?

Accord Financial Corp. is a holding company, which engages in the provision of asset-based financial services to industrial and commercial enterprises. The company is headquartered in Toronto, California and currently employs 82 full-time employees. Its solutions include growth, buyouts and acquisitions, restructuring and turnaround, slow receivables turnover, and unexpected events. The company is a senior-secured media lender providing credit financing to film, television and new media projects. The company is focused on the credit quality of its client’s customers instead of the client’s financial history. When factoring, it purchases its client’s accounts receivables and immediately advances up to 90% of the money owed by client’s eligible customers. AccordExpress Factoring is a factoring product supporting Canadian small to medium sized businesses. The company serves various industries, including manufacturing, retail, services, wholesale, import and export, lenders, apparel and textile, food and beverage, and construction.


Can you provide the latest stock price for ACCORD FINANCIAL CORP?

The current stock price of ACD-DB.CA is 81 CAD. The price decreased by -6.9% in the last trading session.


What is the ChartMill technical and fundamental rating of ACD-DB stock?

ACD-DB.CA has a ChartMill Technical rating of 0 out of 10 and a ChartMill Fundamental rating of 3 out of 10.