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

Canada - TSX:ACD-DB - CA00435LAA67

94.99 CAD
+0.49 (+0.52%)
Last: 11/10/2025, 7:00:00 PM
Fundamental Rating

3

Overall ACD-DB gets a fundamental rating of 3 out of 10. We evaluated ACD-DB against 27 industry peers in the Financial Services industry. The financial health of ACD-DB is average, but 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

In the past year ACD-DB has reported negative net income.
ACD-DB had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: ACD-DB reported negative net income in multiple 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 (-1.13%) is worse than 88.89% of its industry peers.
With a Return On Equity value of -6.16%, ACD-DB is not doing good in the industry: 88.89% of the companies in the same industry are doing better.
The Return On Invested Capital of ACD-DB (19.14%) is better than 96.30% 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 5.55%.
The 3 year average ROIC (13.79%) for ACD-DB is below the current ROIC(19.14%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA -1.13%
ROE -6.16%
ROIC 19.14%
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

ACD-DB has a Operating Margin of 36.30%. This is comparable to the rest of the industry: ACD-DB outperforms 40.74% of its industry peers.
ACD-DB's Operating Margin has been stable in the last couple of years.
ACD-DB does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM 36.3%
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

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.
Compared to 5 years ago, ACD-DB has less shares outstanding
Compared to 1 year ago, ACD-DB has an improved debt to assets ratio.
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

An Altman-Z score of 2.16 indicates that ACD-DB is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of ACD-DB (2.16) is comparable to the rest of the industry.
ACD-DB has a Debt/Equity ratio of 0.20. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of ACD-DB (0.20) is better than 85.19% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF N/A
Altman-Z 2.16
ROIC/WACC2.6
WACC7.36%
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 1.21. This is a normal value and indicates that ACD-DB is financially healthy and should not expect problems in meeting its short term obligations.
With an excellent Current ratio value of 1.21, ACD-DB belongs to the best of the industry, outperforming 88.89% of the companies in the same industry.
ACD-DB has a Quick Ratio of 1.21. 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 (1.21) is better than 88.89% of its industry peers.
Industry RankSector Rank
Current Ratio 1.21
Quick Ratio 1.21
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

ACD-DB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 71.35%, which is quite impressive.
ACD-DB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -11.69%.
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)71.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%23.75%
Revenue 1Y (TTM)-11.69%
Revenue growth 3Y9.37%
Revenue growth 5Y8.13%
Sales Q2Q%-18.86%

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

The Price/Earnings Ratio is negative for ACD-DB. In the last year negative earnings were reported.
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

ACD-DB's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ACD-DB is cheaper than 85.19% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 41.48
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

ACD-DB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ACCORD FINANCIAL CORP

TSX:ACD-DB (11/10/2025, 7:00:00 PM)

94.99

+0.49 (+0.52%)

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 Cap813.11M
Revenue(TTM)74.14M
Net Income(TTM)-4.84M
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 10.97
P/FCF N/A
P/OCF N/A
P/B 10.34
P/tB 10.34
EV/EBITDA 41.48
EPS(TTM)-0.57
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-2.88
FCFYN/A
OCF(TTM)-2.84
OCFYN/A
SpS8.66
BVpS9.18
TBVpS9.18
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -1.13%
ROE -6.16%
ROCE 26.58%
ROIC 19.14%
ROICexc 20.68%
ROICexgc 22.95%
OM 36.3%
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 Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 0.2
Debt/FCF N/A
Debt/EBITDA 0.58
Cap/Depr 62.75%
Cap/Sales 0.46%
Interest Coverage 1.18
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.21
Quick Ratio 1.21
Altman-Z 2.16
F-Score3
WACC7.36%
ROIC/WACC2.6
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)71.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%23.75%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-11.69%
Revenue growth 3Y9.37%
Revenue growth 5Y8.13%
Sales Q2Q%-18.86%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y24.74%
EBIT growth 3Y0.1%
EBIT growth 5Y8.5%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y14.51%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y15.25%
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 94.99 CAD. The price increased by 0.52% 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.