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

TSX:ACD • CA00435L1085

Current stock price

1.48 CAD
+0.17 (+12.98%)
Last:

This ACD.CA fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. ACD.CA Profitability Analysis

1.1 Basic Checks

  • ACD had negative earnings in the past year.
  • 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.
  • The reported operating cash flow has been mixed in the past 5 years: ACD reported negative operating cash flow in multiple 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 2025 0 50M -50M -100M

1.2 Ratios

  • The Return On Assets of ACD (-8.40%) is worse than 92.59% of its industry peers.
  • The Return On Equity of ACD (-58.77%) is worse than 92.59% of its industry peers.
  • ACD has a Return On Invested Capital of 10.54%. This is amongst the best in the industry. ACD outperforms 88.89% of its industry peers.
  • ACD had an Average Return On Invested Capital over the past 3 years of 14.67%. This is significantly above the industry average of 7.30%.
  • The last Return On Invested Capital (10.54%) for ACD is well below the 3 year average (14.67%), which needs to be investigated, but indicates that ACD had better years and this may not be a problem.
Industry RankSector Rank
ROA -8.4%
ROE -58.77%
ROIC 10.54%
ROA(3y)-4%
ROA(5y)-1.89%
ROE(3y)-26.7%
ROE(5y)-13.36%
ROIC(3y)14.67%
ROIC(5y)13.62%
ACD.CA Yearly ROA, ROE, ROICACD.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

1.3 Margins

  • The Operating Margin of ACD (15.22%) is worse than 70.37% of its industry peers.
  • In the last couple of years the Operating Margin of ACD has declined.
  • The Profit Margin and Gross Margin are not available for ACD so they could not be analyzed.
Industry RankSector Rank
OM 15.22%
PM (TTM) N/A
GM N/A
OM growth 3Y-29.05%
OM growth 5Y-9.93%
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 2025 0 20 -20 40 -40

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5

2. ACD.CA Health Analysis

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
  • ACD has a worse debt/assets ratio than last year.
ACD.CA Yearly Shares OutstandingACD.CA Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 100M 200M 300M 400M 500M

2.2 Solvency

  • Based on the Altman-Z score of 0.55, 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 0.55, ACD is doing worse than 70.37% of the companies in the same industry.
  • The Debt to FCF ratio of ACD is 49.68, which is on the high side as it means it would take ACD, 49.68 years of fcf income to pay off all of its debts.
  • ACD's Debt to FCF ratio of 49.68 is in line compared to the rest of the industry. ACD outperforms 44.44% of its industry peers.
  • ACD has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
  • With an excellent Debt to Equity ratio value of 0.18, ACD belongs to the best of the industry, outperforming 92.59% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 49.68
Altman-Z 0.55
ROIC/WACC1.51
WACC6.99%
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 2025 0 50M -50M 100M -100M 150M

2.3 Liquidity

  • A Current Ratio of 1.14 indicates that ACD should not have too much problems paying its short term obligations.
  • ACD's Current ratio of 1.14 is fine compared to the rest of the industry. ACD outperforms 77.78% of its industry peers.
  • ACD has a Quick Ratio of 1.14. This is a normal value and indicates that ACD is financially healthy and should not expect problems in meeting its short term obligations.
  • The Quick ratio of ACD (1.14) is better than 77.78% of its industry peers.
Industry RankSector Rank
Current Ratio 1.14
Quick Ratio 1.14
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 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

1

3. ACD.CA Growth Analysis

3.1 Past

  • ACD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -854.90%.
  • ACD shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -25.47%.
  • Measured over the past years, ACD shows a small growth in Revenue. The Revenue has been growing by 5.00% on average per year.
EPS 1Y (TTM)-854.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1269.91%
Revenue 1Y (TTM)-25.47%
Revenue growth 3Y-2.84%
Revenue growth 5Y5%
Sales Q2Q%-32%

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 2025 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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2

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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of ACD indicates a rather cheap valuation: ACD is cheaper than 81.48% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, ACD is valued cheaper than 92.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.15
EV/EBITDA 29.94
ACD.CA Per share dataACD.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6

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%

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Find the best dividend stocksShow peers with best dividend

ACD.CA Fundamentals: All Metrics, Ratios and Statistics

ACCORD FINANCIAL CORP

TSX:ACD (5/1/2026, 7:00:00 PM)

1.48

+0.17 (+12.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength38.58
Industry Growth73.88
Earnings (Last)04-06
Earnings (Next)05-12
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners2.83%
Ins Owner ChangeN/A
Market Cap12.67M
Revenue(TTM)61.90M
Net Income(TTM)-29.97M
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 0.2
P/FCF 2.15
P/OCF 2.14
P/B 0.25
P/tB 0.25
EV/EBITDA 29.94
EPS(TTM)-3.5
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.69
FCFY46.45%
OCF(TTM)0.69
OCFY46.67%
SpS7.23
BVpS5.96
TBVpS5.96
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -8.4%
ROE -58.77%
ROCE 14.64%
ROIC 10.54%
ROICexc 11.83%
ROICexgc 13.84%
OM 15.22%
PM (TTM) N/A
GM N/A
FCFM 9.51%
ROA(3y)-4%
ROA(5y)-1.89%
ROE(3y)-26.7%
ROE(5y)-13.36%
ROIC(3y)14.67%
ROIC(5y)13.62%
ROICexc(3y)16.54%
ROICexc(5y)15.16%
ROICexgc(3y)17.25%
ROICexgc(5y)16.3%
ROCE(3y)20.37%
ROCE(5y)18.92%
ROICexgc growth 3Y10.42%
ROICexgc growth 5Y8.93%
ROICexc growth 3Y12.69%
ROICexc growth 5Y11.7%
OM growth 3Y-29.05%
OM growth 5Y-9.93%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.17
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 49.68
Debt/EBITDA 0.95
Cap/Depr 5.75%
Cap/Sales 0.05%
Interest Coverage 0.34
Cash Conversion 59.69%
Profit Quality N/A
Current Ratio 1.14
Quick Ratio 1.14
Altman-Z 0.55
F-Score3
WACC6.99%
ROIC/WACC1.51
Cap/Depr(3y)32.92%
Cap/Depr(5y)26%
Cap/Sales(3y)0.27%
Cap/Sales(5y)0.24%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-854.9%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1269.91%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-25.47%
Revenue growth 3Y-2.84%
Revenue growth 5Y5%
Sales Q2Q%-32%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-71.38%
EBIT growth 3Y-31.07%
EBIT growth 5Y-5.43%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-90.22%
FCF growth 3Y-42.73%
FCF growth 5Y-24.08%
OCF growth 1Y-90.24%
OCF growth 3Y-42.75%
OCF growth 5Y-24.03%

ACCORD FINANCIAL CORP / ACD.CA Fundamental Analysis 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 2 / 10 to ACCORD FINANCIAL CORP (ACD.CA). This can be considered as Overvalued.


What is the profitability of ACD stock?

ACCORD FINANCIAL CORP (ACD.CA) has a profitability rating of 3 / 10.