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

TSX:ACD • CA00435L1085

Current stock price

1.53 CAD
+0.01 (+0.66%)
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

  • In the past year ACD has reported negative net income.
  • ACD had a negative operating cash flow in the past year.
  • 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

  • With a Return On Assets value of -1.49%, ACD is not doing good in the industry: 76.67% of the companies in the same industry are doing better.
  • ACD has a Return On Equity of -8.50%. This is amonst the worse of the industry: ACD underperforms 86.67% of its industry peers.
  • ACD has a better Return On Invested Capital (18.66%) than 96.67% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for ACD is significantly above the industry average of 7.42%.
  • 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

  • Looking at the Operating Margin, with a value of 35.88%, ACD is in line with its industry, outperforming 43.33% of the companies in the same industry.
  • In the last couple of years the Operating Margin of ACD has remained more or less at the same level.
  • The Profit Margin and Gross Margin are not available for ACD so they could not be analyzed.
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

  • The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so ACD 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.
  • The debt/assets ratio for ACD has been reduced compared to a year ago.
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

  • ACD has an Altman-Z score of 0.73. This is a bad value and indicates that ACD is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of ACD (0.73) is worse than 66.67% of its industry peers.
  • A Debt/Equity ratio of 0.16 indicates that ACD is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.16, ACD belongs to the best of the industry, outperforming 93.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF N/A
Altman-Z 0.73
ROIC/WACC2.85
WACC6.54%
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

  • ACD has a Current 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.
  • Looking at the Current ratio, with a value of 1.19, ACD is in the better half of the industry, outperforming 80.00% of the companies in the same industry.
  • 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.
  • With a decent Quick ratio value of 1.19, ACD is doing good in the industry, outperforming 80.00% of the companies in the same industry.
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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2

3. ACD.CA Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 26.75% over the past year.
  • ACD shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -19.88%.
  • 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)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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1

4. ACD.CA Valuation Analysis

4.1 Price/Earnings Ratio

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

  • 90.00% of the companies in the same industry are more expensive than ACD, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 14.03
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

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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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ACD.CA Fundamentals: All Metrics, Ratios and Statistics

ACCORD FINANCIAL CORP

TSX:ACD (3/27/2026, 7:00:00 PM)

1.53

+0.01 (+0.66%)

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 Cap13.10M
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 0.19
P/FCF N/A
P/OCF N/A
P/B 0.17
P/tB 0.17
EV/EBITDA 14.03
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 0.73
F-Score3
WACC6.54%
ROIC/WACC2.85
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 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 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.