ACCORD FINANCIAL CORP (ACD-DB.CA) Fundamental Analysis & Valuation

TSX:ACD-DB • CA00435LAA67

Current stock price

81 CAD
0 (0%)
Last:

This ACD-DB.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. ACD-DB.CA Profitability Analysis

1.1 Basic Checks

  • In the past year ACD-DB has reported negative net income.
  • In the past year ACD-DB has reported a negative cash flow from operations.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M

1.2 Ratios

  • ACD-DB's Return On Assets of -1.49% is on the low side compared to the rest of the industry. ACD-DB is outperformed by 75.00% of its industry peers.
  • ACD-DB has a worse Return On Equity (-8.50%) than 90.63% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 18.66%, ACD-DB belongs to the top of the industry, outperforming 93.75% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for ACD-DB is significantly above the industry average of 7.42%.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

1.3 Margins

  • ACD-DB's Operating Margin of 35.88% is in line compared to the rest of the industry. ACD-DB outperforms 43.75% of its industry peers.
  • 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 35.88%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40

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5

2. ACD-DB.CA Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 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
  • The debt/assets ratio for ACD-DB has been reduced compared to a year ago.
ACD-DB.CA Yearly Shares OutstandingACD-DB.CA Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.2 Solvency

  • An Altman-Z score of 1.86 indicates that ACD-DB is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • ACD-DB has a Altman-Z score (1.86) which is in line with its industry peers.
  • ACD-DB has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
  • Looking at the Debt to Equity ratio, with a value of 0.16, ACD-DB belongs to the top of the industry, outperforming 90.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF N/A
Altman-Z 1.86
ROIC/WACC2.37
WACC7.88%
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 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.
  • ACD-DB's Current ratio of 1.19 is fine compared to the rest of the industry. ACD-DB outperforms 78.13% of its industry peers.
  • ACD-DB has a Quick 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.
  • Looking at the Quick ratio, with a value of 1.19, ACD-DB is in the better half of the industry, outperforming 78.13% 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. ACD-DB.CA Growth Analysis

3.1 Past

  • ACD-DB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.75%, which is quite impressive.
  • Looking at the last year, ACD-DB shows a very negative growth in Revenue. The Revenue has decreased by -19.88% in the last year.
  • Measured over the past years, ACD-DB shows a quite strong growth in Revenue. The Revenue has been growing by 8.13% on average per year.
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 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. ACD-DB.CA Valuation Analysis

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 81.25% 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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ACD-DB.CA Dividend Analysis

5.1 Amount

  • ACD-DB does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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ACD-DB.CA Fundamentals: All Metrics, Ratios and Statistics

ACCORD FINANCIAL CORP

TSX:ACD-DB (3/20/2026, 7:00:00 PM)

81

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)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 0%
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
WACC7.88%
ROIC/WACC2.37
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 Fundamental Analysis FAQ

What is the ChartMill fundamental rating of ACCORD FINANCIAL CORP (ACD-DB.CA) stock?

ChartMill assigns a fundamental rating of 3 / 10 to ACD-DB.CA.


What is the valuation status for ACD-DB stock?

ChartMill assigns a valuation rating of 1 / 10 to ACCORD FINANCIAL CORP (ACD-DB.CA). This can be considered as Overvalued.


What is the profitability of ACD-DB stock?

ACCORD FINANCIAL CORP (ACD-DB.CA) has a profitability rating of 3 / 10.


How sustainable is the dividend of ACCORD FINANCIAL CORP (ACD-DB.CA) stock?

The dividend rating of ACCORD FINANCIAL CORP (ACD-DB.CA) is 0 / 10 and the dividend payout ratio is 0%.