ACCORD FINANCIAL CORP (ACD.CA) Stock Fundamental Analysis
Canada • Toronto Stock Exchange • TSX:ACD • CA00435L1085
1.85 CAD
0 (0%)
Last: Jan 30, 2026, 07:00 PM
ACD 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 seems to be doing ok healthwise, there are quite some concerns on its profitability. ACD does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
- In the past year ACD has reported negative net income.
- In the past year ACD has reported a negative cash flow from operations.
- In multiple years ACD reported negative net income over the last 5 years.
- In multiple years ACD reported negative operating cash flow during the last 5 years.
1.2 Ratios
- The Return On Assets of ACD (-1.49%) is worse than 85.71% of its industry peers.
- ACD has a worse Return On Equity (-8.50%) than 85.71% of its industry peers.
- ACD's Return On Invested Capital of 18.66% is amongst the best of the industry. ACD outperforms 96.43% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for ACD is significantly above the industry average of 7.95%.
- The last Return On Invested Capital (18.66%) for ACD is above the 3 year average (13.79%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
- Looking at the Operating Margin, with a value of 35.88%, ACD is in line with its industry, outperforming 50.00% of the companies in the same industry.
- ACD's Operating Margin has been stable in the last couple of years.
- The Profit Margin and Gross Margin are not available for ACD so they could not be analyzed.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so ACD is creating value.
- The number of shares outstanding for ACD remains at a similar level compared to 1 year ago.
- Compared to 5 years ago, ACD has less shares outstanding
- The debt/assets ratio for ACD has been reduced compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.73, we must say that ACD is in the distress zone and has some risk of bankruptcy.
- ACD has a Altman-Z score of 0.73. This is in the lower half of the industry: ACD underperforms 75.00% of its industry peers.
- A Debt/Equity ratio of 0.16 indicates that ACD is not too dependend on debt financing.
- With an excellent Debt to Equity ratio value of 0.16, ACD belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.73 |
ROIC/WACC2.82
WACC6.61%
2.3 Liquidity
- ACD has a Current Ratio of 1.19. This is a normal value and indicates that ACD is financially healthy and should not expect problems in meeting its short term obligations.
- ACD has a Current ratio of 1.19. This is in the better half of the industry: ACD outperforms 75.00% of its industry peers.
- A Quick Ratio of 1.19 indicates that ACD should not have too much problems paying its short term obligations.
- ACD has a Quick ratio of 1.19. This is in the better half of the industry: ACD outperforms 75.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.19 | ||
| Quick Ratio | 1.19 |
3. Growth
3.1 Past
- ACD 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 shows a very negative growth in Revenue. The Revenue has decreased by -19.88% in the last year.
- ACD shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.13% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for ACD. In the last year negative earnings were reported.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
- 89.29% of the companies in the same industry are more expensive than ACD, based on the Enterprise Value to EBITDA ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 14.14 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- ACD does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
ACCORD FINANCIAL CORP / ACD.CA FAQ
What is the ChartMill fundamental rating of ACCORD FINANCIAL CORP (ACD.CA) stock?
ChartMill assigns a fundamental rating of 3 / 10 to ACD.CA.
Can you provide the valuation status for ACCORD FINANCIAL CORP?
ChartMill assigns a valuation rating of 1 / 10 to ACCORD FINANCIAL CORP (ACD.CA). This can be considered as Overvalued.
Can you provide the profitability details for ACCORD FINANCIAL CORP?
ACCORD FINANCIAL CORP (ACD.CA) has a profitability rating of 3 / 10.
Can you provide the financial health for ACD stock?
The financial health rating of ACCORD FINANCIAL CORP (ACD.CA) is 5 / 10.