ACCORD FINANCIAL CORP (ACD.CA) Stock Fundamental Analysis
Canada - TSX:ACD - CA00435L1085 - Common Stock
3 CAD
0 (0%)
Taking everything into account, ACD scores 3 out of 10 in our fundamental rating. ACD was compared to 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
ACD had negative earnings in the past year.
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.
1.2 Ratios
With a Return On Assets value of -1.13%, ACD is not doing good in the industry: 89.29% of the companies in the same industry are doing better.
ACD's Return On Equity of -6.16% is on the low side compared to the rest of the industry. ACD is outperformed by 89.29% of its industry peers.
Looking at the Return On Invested Capital, with a value of 19.14%, ACD belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for ACD is significantly above the industry average of 4.85%.
The last Return On Invested Capital (19.14%) for ACD is above the 3 year average (13.79%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
Looking at the Operating Margin, with a value of 36.30%, ACD is in line with its industry, outperforming 42.86% of the companies in the same industry.
ACD's Operating Margin has been stable in the last couple of years.
ACD does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), ACD is creating value.
Compared to 1 year ago, ACD has about the same amount of shares outstanding.
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.
2.2 Solvency
ACD has an Altman-Z score of 0.81. This is a bad value and indicates that ACD is not financially healthy and even has some risk of bankruptcy.
ACD has a worse Altman-Z score (0.81) than 75.00% of its industry peers.
A Debt/Equity ratio of 0.20 indicates that ACD is not too dependend on debt financing.
ACD has a better Debt to Equity ratio (0.20) than 89.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.2 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.81 |
ROIC/WACC2.81
WACC6.81%
2.3 Liquidity
A Current Ratio of 1.21 indicates that ACD should not have too much problems paying its short term obligations.
ACD has a Current ratio of 1.21. This is amongst the best in the industry. ACD outperforms 92.86% of its industry peers.
ACD has a Quick Ratio of 1.21. This is a normal value and indicates that ACD is financially healthy and should not expect problems in meeting its short term obligations.
With an excellent Quick ratio value of 1.21, ACD belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.21 | ||
| Quick Ratio | 1.21 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 71.35% over the past year.
Looking at the last year, ACD shows a very negative growth in Revenue. The Revenue has decreased by -11.69% in the last year.
Measured over the past years, ACD 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.
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
96.43% 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 | 12.81 |
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 | N/A |
TSX:ACD (10/24/2025, 7:00:00 PM)
3
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners2.83%
Ins Owner ChangeN/A
Market Cap25.68M
Revenue(TTM)74.14M
Net Income(TTM)-4843000
Analysts80
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | 0.35 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.33 | ||
| P/tB | 0.33 | ||
| EV/EBITDA | 12.81 |
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 Rank | Sector 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 Rank | Sector 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 | 0.81 |
F-Score3
WACC6.81%
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)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.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.
What is the valuation status of ACCORD FINANCIAL CORP (ACD.CA) stock?
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.
What is the financial health of ACCORD FINANCIAL CORP (ACD.CA) stock?
The financial health rating of ACCORD FINANCIAL CORP (ACD.CA) is 5 / 10.