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ACCORD FINANCIAL CORP (ACD-DB.CA) Stock Overview

TSX:ACD-DB - CA00435LAA67

96 CAD
-1.5 (-1.54%)
Last: 8/28/2025, 7:00:00 PM
Fundamental Rating

3

Taking everything into account, ACD-DB scores 3 out of 10 in our fundamental rating. ACD-DB was compared to 29 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 has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

ACD-DB had negative earnings in the past year.
In the past year ACD-DB had a positive cash flow from operations.
In multiple years ACD-DB reported negative net income over the last 5 years.
In multiple years ACD-DB reported negative operating cash flow during the last 5 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

With a Return On Assets value of -1.19%, ACD-DB is not doing good in the industry: 89.66% of the companies in the same industry are doing better.
The Return On Equity of ACD-DB (-6.44%) is worse than 89.66% of its industry peers.
ACD-DB's Return On Invested Capital of 18.59% is amongst the best of the industry. ACD-DB outperforms 96.55% 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 5.62%.
The last Return On Invested Capital (18.59%) for ACD-DB is above the 3 year average (13.79%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -1.19%
ROE -6.44%
ROIC 18.59%
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

The Operating Margin of ACD-DB (35.48%) is comparable to the rest of the industry.
ACD-DB's Operating Margin has been stable in the last couple of years.
The Profit Margin and Gross Margin are not available for ACD-DB so they could not be analyzed.
Industry RankSector Rank
OM 35.48%
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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6

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so ACD-DB is creating value.
ACD-DB has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, ACD-DB has less shares outstanding
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 2.20. 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.
The Altman-Z score of ACD-DB (2.20) is comparable to the rest of the industry.
ACD-DB has a debt to FCF ratio of 32.96. This is a negative value and a sign of low solvency as ACD-DB would need 32.96 years to pay back of all of its debts.
ACD-DB has a Debt to FCF ratio of 32.96. This is comparable to the rest of the industry: ACD-DB outperforms 51.72% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that ACD-DB is not too dependend on debt financing.
ACD-DB's Debt to Equity ratio of 0.26 is amongst the best of the industry. ACD-DB outperforms 86.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 32.96
Altman-Z 2.2
ROIC/WACC2.32
WACC8%
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

A Current Ratio of 1.22 indicates that ACD-DB should not have too much problems paying its short term obligations.
ACD-DB's Current ratio of 1.22 is amongst the best of the industry. ACD-DB outperforms 89.66% of its industry peers.
ACD-DB has a Quick Ratio of 1.22. 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 Quick ratio of ACD-DB (1.22) is better than 89.66% of its industry peers.
Industry RankSector Rank
Current Ratio 1.22
Quick Ratio 1.22
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 68.05% over the past year.
Looking at the last year, ACD-DB shows a decrease in Revenue. The Revenue has decreased by -4.91% in the last year.
ACD-DB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.13% yearly.
EPS 1Y (TTM)68.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-313.14%
Revenue 1Y (TTM)-4.91%
Revenue growth 3Y9.37%
Revenue growth 5Y8.13%
Sales Q2Q%-24.95%

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 86.21% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as ACD-DB.
Industry RankSector Rank
P/FCF 80.25
EV/EBITDA 40.71
ACD-DB.CA Per share dataACD-DB.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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 (8/28/2025, 7:00:00 PM)

96

-1.5 (-1.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-06 2025-08-06
Earnings (Next)11-04 2025-11-04
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners2.83%
Ins Owner ChangeN/A
Market Cap821.76M
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 10.55
P/FCF 80.25
P/OCF 77.46
P/B 10.34
P/tB 10.34
EV/EBITDA 40.71
EPS(TTM)-0.6
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.2
FCFY1.25%
OCF(TTM)1.24
OCFY1.29%
SpS9.1
BVpS9.29
TBVpS9.29
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.19%
ROE -6.44%
ROCE 25.82%
ROIC 18.59%
ROICexc 20.4%
ROICexgc 23.07%
OM 35.48%
PM (TTM) N/A
GM N/A
FCFM 13.15%
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%
ROICexcg growth 3Y8.12%
ROICexcg 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-Score6
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 32.96
Debt/EBITDA 0.73
Cap/Depr 60.69%
Cap/Sales 0.47%
Interest Coverage 0.96
Cash Conversion 37.56%
Profit Quality N/A
Current Ratio 1.22
Quick Ratio 1.22
Altman-Z 2.2
F-Score6
WACC8%
ROIC/WACC2.32
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)68.05%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-313.14%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-4.91%
Revenue growth 3Y9.37%
Revenue growth 5Y8.13%
Sales Q2Q%-24.95%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.98%
EBIT growth 3Y0.1%
EBIT growth 5Y8.5%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y100%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y99.42%
OCF growth 3YN/A
OCF growth 5YN/A