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ACCORD FINANCIAL CORP (ACD.CA) Stock Fundamental Analysis

TSX:ACD - Toronto Stock Exchange - CA00435L1085 - Common Stock - Currency: CAD

3.28  -0.02 (-0.61%)

Fundamental Rating

3

Overall ACD gets a fundamental rating of 3 out of 10. We evaluated ACD against 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 has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ACD has reported negative net income.
ACD had a positive 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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M -100M

1.2 Ratios

With a Return On Assets value of -1.19%, ACD is not doing good in the industry: 86.21% of the companies in the same industry are doing better.
ACD has a worse Return On Equity (-6.44%) than 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 5.87%.
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 RankSector 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%
ACD.CA Yearly ROA, ROE, ROICACD.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20

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.
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 35.48%
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
ACD.CA Yearly Profit, Operating, Gross MarginsACD.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 40

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5

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.
Compared to 5 years ago, ACD has less shares outstanding
ACD has a better debt/assets ratio than last year.
ACD.CA Yearly Shares OutstandingACD.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.2 Solvency

ACD has an Altman-Z score of 0.84. This is a bad value and indicates that ACD is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.84, ACD is not doing good in the industry: 75.86% of the companies in the same industry are doing better.
The Debt to FCF ratio of ACD is 32.96, which is on the high side as it means it would take ACD, 32.96 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 32.96, ACD is in line with its industry, outperforming 58.62% of the companies in the same 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 Debt to Equity ratio of 0.26. This is amongst the best in the industry. ACD outperforms 89.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 32.96
Altman-Z 0.84
ROIC/WACC2.71
WACC6.85%
ACD.CA Yearly LT Debt VS Equity VS FCFACD.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M 150M

2.3 Liquidity

ACD has a Current Ratio of 1.22. 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 Current ratio (1.22) than 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.
With a decent Quick ratio value of 1.22, ACD is doing good in the industry, outperforming 79.31% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.22
Quick Ratio 1.22
ACD.CA Yearly Current Assets VS Current LiabilitesACD.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 68.05% over the past year.
The Revenue has decreased by -4.91% in the past year.
The Revenue has been growing by 8.13% on average over the past years. This is quite good.
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.
ACD.CA Yearly Revenue VS EstimatesACD.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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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2

4. Valuation

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 96.55% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, ACD is valued cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.74
EV/EBITDA 12.61
ACD.CA Per share dataACD.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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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0

5. Dividend

5.1 Amount

No dividends for ACD!.
Industry RankSector Rank
Dividend Yield N/A

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ACCORD FINANCIAL CORP

TSX:ACD (6/11/2025, 7:00:00 PM)

3.28

-0.02 (-0.61%)

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 Owners2.88%
Ins Owner ChangeN/A
Market Cap28.08M
Analysts80
Price Target8.77 (167.38%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.36
P/FCF 2.74
P/OCF 2.65
P/B 0.35
P/tB 0.35
EV/EBITDA 12.61
EPS(TTM)-0.6
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.2
FCFY36.47%
OCF(TTM)1.24
OCFY37.79%
SpS9.1
BVpS9.29
TBVpS9.29
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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
WACC6.85%
ROIC/WACC2.71
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