ACD Fundamental Analysis - ACCORD FINANCIAL CORP

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to ACD. ACD was compared to 29 industry peers in the Financial Services industry. ACD scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. ACD does not seem to be growing, but still is valued expensively.

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1. Profitability

1.1 Basic Checks

ACD had negative earnings in the past year.

ACD had a positive operating cash flow in the past year.

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

Looking at the Return On Assets, with a value of -1.19%, ACD is doing worse than 86.21% of the companies in the same industry.

ACD has a Return On Equity of -6.44%. This is amonst the worse of the industry: ACD underperforms 86.21% of its industry peers.

The Return On Invested Capital of ACD (18.59%) is better than 100.00% of its industry peers.

The Average Return On Invested Capital over the past 3 years for ACD is significantly above the industry average of 5.71%.

The 3 year average ROIC (13.79%) for ACD is below the current ROIC(18.59%), indicating increased profibility in the last year.

		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

With a Operating Margin value of 35.48%, ACD is not doing good in the industry: 68.97% of the companies in the same industry are doing better.

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	35.48%
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

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.

Compared to 5 years ago, ACD has less shares outstanding

Compared to 1 year ago, ACD has an improved debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of 0.84, we must say that ACD is in the distress zone and has some risk of bankruptcy.

Looking at the Altman-Z score, with a value of 0.84, ACD is doing worse than 75.86% of the companies in the same industry.

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.

The Debt to FCF ratio of ACD (32.96) is comparable to the rest of the industry.

ACD has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.

ACD has a better Debt to Equity ratio (0.26) 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

WACC6.9%

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 Current ratio of 1.22. This is in the better half of the industry: ACD outperforms 79.31% of its industry peers.

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

ACD has a Quick ratio of 1.22. This is in the better half of the industry: ACD outperforms 79.31% 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

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3. Growth

3.1 Past

ACD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 68.05%, which is quite impressive.

ACD shows a decrease in Revenue. In the last year, the revenue decreased by -4.91%.

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

ACD's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. ACD is cheaper than 96.55% of the companies in the same industry.

100.00% of the companies in the same industry are more expensive than ACD, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	2.93
EV/EBITDA	12.69

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

ACD does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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ACCORD FINANCIAL CORP

TSX:ACD (7/18/2025, 7:00:00 PM)

3.5

-0.03 (-0.85%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)05-12 2025-05-12

Earnings (Next)08-06 2025-08-06

Inst OwnersN/A

Inst Owner ChangeN/A

Ins Owners2.83%

Ins Owner ChangeN/A

Market Cap29.96M

Analysts80

Price Target8.77 (150.57%)

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	0.38
P/FCF	2.93
P/OCF	2.82
P/B	0.38
P/tB	0.38
EV/EBITDA	12.69

EPS(TTM)-0.6

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)1.2

FCFY34.18%

OCF(TTM)1.24

OCFY35.41%

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

WACC6.9%

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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