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

TSX:ACD • CA00435L1085

2 CAD
-0.1 (-4.76%)
Last: Mar 4, 2026, 07:00 PM
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This ACD.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

Taking everything into account, ACD scores 3 out of 10 in our fundamental rating. ACD was compared to 32 industry peers in the Financial Services industry. While ACD seems to be doing ok healthwise, there are quite some concerns on its profitability. ACD is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. ACD.CA Profitability Analysis

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.
  • The reported net income has been mixed in the past 5 years: ACD reported negative net income in multiple years.
  • In multiple years ACD reported negative operating cash flow during the last 5 years.
ACD.CA Yearly Net Income VS EBIT VS OCF VS FCFACD.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 has a worse Return On Assets (-1.49%) than 71.88% of its industry peers.
  • ACD's Return On Equity of -8.50% is on the low side compared to the rest of the industry. ACD is outperformed by 87.50% of its industry peers.
  • With an excellent Return On Invested Capital value of 18.66%, ACD belongs to the best of the industry, outperforming 96.88% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for ACD is significantly above the industry average of 6.74%.
  • 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 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.CA Yearly ROA, ROE, ROICACD.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 has a Operating Margin (35.88%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of ACD has remained more or less at the same level.
  • ACD does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
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.CA Yearly Profit, Operating, Gross MarginsACD.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.CA Health Analysis

2.1 Basic Checks

  • ACD has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • ACD has about the same amout of shares outstanding than it did 1 year ago.
  • The number of shares outstanding for ACD has been reduced compared to 5 years ago.
  • Compared to 1 year ago, ACD has an improved debt to assets ratio.
ACD.CA Yearly Shares OutstandingACD.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
ACD.CA Yearly Total Debt VS Total AssetsACD.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

  • Based on the Altman-Z score of 0.74, we must say that ACD is in the distress zone and has some risk of bankruptcy.
  • ACD's Altman-Z score of 0.74 is on the low side compared to the rest of the industry. ACD is outperformed by 62.50% of its industry peers.
  • ACD has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
  • ACD has a Debt to Equity ratio of 0.16. This is amongst the best in the industry. ACD outperforms 93.75% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF N/A
Altman-Z 0.74
ROIC/WACC2.81
WACC6.64%
ACD.CA Yearly LT Debt VS Equity VS FCFACD.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

  • A Current Ratio of 1.19 indicates that ACD should not have too much problems paying its short term obligations.
  • ACD's Current ratio of 1.19 is amongst the best of the industry. ACD outperforms 81.25% of its industry peers.
  • ACD has a Quick 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 Quick ratio of 1.19. This is amongst the best in the industry. ACD outperforms 81.25% of its industry peers.
Industry RankSector Rank
Current Ratio 1.19
Quick Ratio 1.19
ACD.CA Yearly Current Assets VS Current LiabilitesACD.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.CA Growth Analysis

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.
  • The Revenue for ACD has decreased by -19.88% in the past year. This is quite bad
  • 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.
ACD.CA Yearly Revenue VS EstimatesACD.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
ACD.CA Yearly EPS VS EstimatesACD.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 0 0.5 -0.5

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Find the best growth stocksShow best growing peers

1

4. ACD.CA Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for ACD. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
ACD.CA Price Earnings VS Forward Price EarningsACD.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 is valued cheaper than 87.50% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 14.23
ACD.CA Per share dataACD.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

More info and screens

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

0

5. ACD.CA Dividend Analysis

5.1 Amount

  • No dividends for ACD!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ACD.CA Fundamentals: All Metrics, Ratios and Statistics

ACCORD FINANCIAL CORP

TSX:ACD (3/4/2026, 7:00:00 PM)

2

-0.1 (-4.76%)

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 Cap17.12M
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 0.25
P/FCF N/A
P/OCF N/A
P/B 0.22
P/tB 0.22
EV/EBITDA 14.23
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 0.74
F-Score3
WACC6.64%
ROIC/WACC2.81
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.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.