ACCORD FINANCIAL CORP (ACD.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:ACD - CA00435L1085 - Common Stock
1.54 CAD
-0.01 (-0.65%)
Taking everything into account, ACD scores 3 out of 10 in our fundamental rating. ACD was compared to 26 industry peers in the Financial Services industry. The financial health of ACD is average, but 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.
ACD had a negative operating cash flow in the past year.
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.
1.2 Ratios
ACD has a worse Return On Assets (-1.49%) than 86.21% of its industry peers.
ACD's Return On Equity of -8.50% is on the low side compared to the rest of the industry. ACD is outperformed by 86.21% of its industry peers.
With an excellent Return On Invested Capital value of 18.66%, ACD belongs to the best of the industry, outperforming 96.55% 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 5.80%.
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 Rank | Sector 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%
1.3 Margins
The Operating Margin of ACD (35.88%) is comparable to the rest of the 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 Rank | Sector 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
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.
ACD has less shares outstanding than it did 5 years ago.
The debt/assets ratio for ACD has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.73, we must say that ACD is in the distress zone and has some risk of bankruptcy.
ACD has a worse Altman-Z score (0.73) than 79.31% of its industry peers.
A Debt/Equity ratio of 0.16 indicates that ACD is not too dependend on debt financing.
The Debt to Equity ratio of ACD (0.16) is better than 93.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.73 |
ROIC/WACC2.85
WACC6.54%
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.
ACD has a better Current ratio (1.19) than 79.31% of its industry peers.
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 79.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.19 | ||
| Quick Ratio | 1.19 |
3. Growth
3.1 Past
ACD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 26.75%, which is quite impressive.
Looking at the last year, ACD shows a very negative growth in Revenue. The Revenue has decreased by -19.88% in the last year.
The Revenue has been growing by 8.13% on average over the past years. This is quite good.
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.
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 cheaper than 93.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 14.04 |
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 | 0% |
TSX:ACD (12/24/2025, 7:00:00 PM)
1.54
-0.01 (-0.65%)
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 Cap13.18M
Revenue(TTM)68.69M
Net Income(TTM)-6.49M
Analysts80
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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 Rank | Sector 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 | 14.04 |
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 Rank | Sector 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 Rank | Sector 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 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.