ACD Fundamental Analysis - ACCORD FINANCIAL CORP

Fundamental Rating

Taking everything into account, ACD scores 3 out of 10 in our fundamental rating. ACD was compared to 29 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.

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1. Profitability

1.1 Basic Checks

In the past year ACD has reported negative net income.

In the past year ACD had a positive 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 (-1.19%) is worse than 86.21% of its industry peers.

Looking at the Return On Equity, with a value of -6.44%, ACD is doing worse than 86.21% of the companies in the same industry.

With an excellent Return On Invested Capital value of 18.59%, ACD belongs to the best of the industry, outperforming 100.00% 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 5.62%.

The last Return On Invested Capital (18.59%) for ACD is above the 3 year average (13.79%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	-1.19%
ROE	-6.44%
ROIC	18.59%

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

ACD has a Operating Margin (35.48%) which is in line with its industry peers.

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 Rank	Sector Rank
OM	35.48%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), ACD is creating value.

ACD has about the same amout of shares outstanding than it did 1 year ago.

ACD has less shares outstanding than it did 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 0.84. This is a bad value and indicates that ACD is not financially healthy and even has some risk of bankruptcy.

ACD's Altman-Z score of 0.84 is on the low side compared to the rest of the industry. ACD is outperformed by 72.41% of its industry peers.

ACD has a debt to FCF ratio of 32.96. This is a negative value and a sign of low solvency as ACD would need 32.96 years to pay back of all of its debts.

ACD's Debt to FCF ratio of 32.96 is in line compared to the rest of the industry. ACD outperforms 55.17% of its industry peers.

A Debt/Equity ratio of 0.26 indicates that ACD is not too dependend on debt financing.

The Debt to Equity ratio of ACD (0.26) is better than 89.66% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.26
Debt/FCF	32.96
Altman-Z	0.84

ROIC/WACC2.69

WACC6.92%

2.3 Liquidity

A Current Ratio of 1.22 indicates that ACD should not have too much problems paying its short term obligations.

ACD has a better Current ratio (1.22) than 93.10% of its industry peers.

ACD has a Quick Ratio of 1.22. 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 better Quick ratio (1.22) than 93.10% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.22
Quick Ratio	1.22

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 68.05% over the past year.

Looking at the last year, ACD shows a decrease in Revenue. The Revenue has decreased by -4.91% 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)68.05%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-313.14%

Revenue 1Y (TTM)-4.91%

Revenue growth 3Y9.37%

Revenue growth 5Y8.13%

Sales Q2Q%-24.95%

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.

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4. Valuation

4.1 Price/Earnings Ratio

ACD reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ACD is valued cheaply inside the industry as 96.55% of the companies are valued more expensively.

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ACD indicates a rather cheap valuation: ACD is cheaper than 100.00% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	2.94
EV/EBITDA	12.68

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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5. Dividend

5.1 Amount

No dividends for ACD!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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ACCORD FINANCIAL CORP

TSX:ACD (9/4/2025, 7:00:00 PM)

3.52

+0.02 (+0.57%)

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 Cap30.13M

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	0.39
P/FCF	2.94
P/OCF	2.84
P/B	0.38
P/tB	0.38
EV/EBITDA	12.68

EPS(TTM)-0.6

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.2

FCFY33.98%

OCF(TTM)1.24

OCFY35.21%

SpS9.1

BVpS9.29

TBVpS9.29

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-1.19%
ROE	-6.44%
ROCE	25.82%
ROIC	18.59%
ROICexc	20.4%
ROICexgc	23.07%
OM	35.48%
PM (TTM)	N/A
GM	N/A
FCFM	13.15%

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%

ROICexcg growth 3Y8.12%

ROICexcg 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-Score6

Asset Turnover0.18

Health

		Industry Rank	Sector Rank
Debt/Equity	0.26
Debt/FCF	32.96
Debt/EBITDA	0.73
Cap/Depr	60.69%
Cap/Sales	0.47%
Interest Coverage	0.96
Cash Conversion	37.56%
Profit Quality	N/A
Current Ratio	1.22
Quick Ratio	1.22
Altman-Z	0.84

F-Score6

WACC6.92%

ROIC/WACC2.69

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)68.05%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-313.14%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-4.91%

Revenue growth 3Y9.37%

Revenue growth 5Y8.13%

Sales Q2Q%-24.95%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y29.98%

EBIT growth 3Y0.1%

EBIT growth 5Y8.5%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y100%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y99.42%

OCF growth 3YN/A

OCF growth 5YN/A

ACCORD FINANCIAL CORP (ACD.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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