ACCORD FINANCIAL CORP(TSX:ACD) stock Fundamental Analysis

Fundamental Rating

Overall ACD gets a fundamental rating of 4 out of 10. We evaluated ACD against 30 industry peers in the Financial Services industry. While ACD seems to be doing ok healthwise, there are quite some concerns on its profitability. ACD is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year ACD has reported negative net income.

In the past year ACD had a positive cash flow from operations.

ACD had positive earnings in 4 of the past 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's Return On Assets of -2.11% is on the low side compared to the rest of the industry. ACD is outperformed by 86.67% of its industry peers.

The Return On Equity of ACD (-10.69%) is worse than 86.67% of its industry peers.

The Return On Invested Capital of ACD (17.43%) is better than 100.00% of its industry peers.

The Average Return On Invested Capital over the past 3 years for ACD is above the industry average of 5.73%.

The last Return On Invested Capital (17.43%) for ACD is above the 3 year average (10.51%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	-2.11%
ROE	-10.69%
ROIC	17.43%

ROA(3y)-0.09%

ROA(5y)0.28%

ROE(3y)-1.37%

ROE(5y)0.66%

ROIC(3y)10.51%

ROIC(5y)9.34%

1.3 Margins

ACD has a Operating Margin (38.82%) which is comparable to the rest of the industry.

ACD's Operating Margin has declined 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	38.82%
PM (TTM)	N/A
GM	N/A

OM growth 3Y-0.78%

OM growth 5Y-10.67%

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

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), ACD is creating value.

ACD has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, ACD has more shares outstanding

Compared to 1 year ago, ACD has a worse debt to assets ratio.

2.2 Solvency

Based on the Altman-Z score of 0.95, we must say that ACD is in the distress zone and has some risk of bankruptcy.

ACD has a Altman-Z score of 0.95. This is in the lower half of the industry: ACD underperforms 76.67% of its industry peers.

The Debt to FCF ratio of ACD is 7.00, which is on the high side as it means it would take ACD, 7.00 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 7.00, ACD perfoms like the industry average, outperforming 56.67% of the companies in the same industry.

A Debt/Equity ratio of 0.36 indicates that ACD is not too dependend on debt financing.

With an excellent Debt to Equity ratio value of 0.36, ACD belongs to the best of the industry, outperforming 86.67% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.36
Debt/FCF	7
Altman-Z	0.95

ROIC/WACC2.95

WACC5.9%

2.3 Liquidity

A Current Ratio of 1.26 indicates that ACD should not have too much problems paying its short term obligations.

ACD has a better Current ratio (1.26) than 76.67% of its industry peers.

ACD has a Quick Ratio of 1.26. This is a normal value and indicates that ACD is financially healthy and should not expect problems in meeting its short term obligations.

ACD's Quick ratio of 1.26 is fine compared to the rest of the industry. ACD outperforms 76.67% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	1.26
Quick Ratio	1.26

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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

The Earnings Per Share has grown by an nice 17.80% over the past year.

The Revenue has grown by 15.59% in the past year. This is quite good.

Measured over the past years, ACD shows a quite strong growth in Revenue. The Revenue has been growing by 11.17% on average per year.

EPS 1Y (TTM)17.8%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%91.24%

Revenue 1Y (TTM)15.59%

Revenue growth 3Y18.01%

Revenue growth 5Y11.17%

Sales Q2Q%9.18%

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 Y167.03%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year7.63%

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

The Price/Earnings Ratio is negative for ACD. In the last year negative earnings were reported.

A Price/Forward Earnings ratio of 5.52 indicates a rather cheap valuation of ACD.

Compared to the rest of the industry, the Price/Forward Earnings ratio of ACD indicates a rather cheap valuation: ACD is cheaper than 93.33% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.77, ACD is valued rather cheaply.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	5.52

4.2 Price Multiples

100.00% of the companies in the same industry are more expensive than ACD, based on the Enterprise Value to EBITDA ratio.

Based on the Price/Free Cash Flow ratio, ACD is valued cheaper than 100.00% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	0.64
EV/EBITDA	9.91

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

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

No dividends for ACD!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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ACCORD FINANCIAL CORP

TSX:ACD (5/1/2025, 7:00:00 PM)

3.4

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)03-25 2025-03-25

Earnings (Next)05-12 2025-05-12

Inst OwnersN/A

Inst Owner ChangeN/A

Ins Owners2.88%

Ins Owner ChangeN/A

Market Cap29.10M

Analysts80

Price Target8.77 (157.94%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly Dividend0.22

Dividend Growth(5Y)-8.98%

DP0.05%

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)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	5.52
P/S	0.34
P/FCF	0.64
P/OCF	0.64
P/B	0.35
P/tB	0.35
EV/EBITDA	9.91

EPS(TTM)-1.04

EYN/A

EPS(NY)0.62

Fwd EY18.12%

FCF(TTM)5.29

FCFY155.65%

OCF(TTM)5.32

OCFY156.49%

SpS10.02

BVpS9.69

TBVpS9.69

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-2.11%
ROE	-10.69%
ROCE	27.99%
ROIC	17.43%
ROICexc	18.83%
ROICexgc	21.04%
OM	38.82%
PM (TTM)	N/A
GM	N/A
FCFM	52.84%

ROA(3y)-0.09%

ROA(5y)0.28%

ROE(3y)-1.37%

ROE(5y)0.66%

ROIC(3y)10.51%

ROIC(5y)9.34%

ROICexc(3y)11.29%

ROICexc(5y)9.95%

ROICexgc(3y)12.44%

ROICexgc(5y)11.16%

ROCE(3y)16.88%

ROCE(5y)15%

ROICexcg growth 3Y19.33%

ROICexcg growth 5Y-2.92%

ROICexc growth 3Y24.15%

ROICexc growth 5Y0.08%

OM growth 3Y-0.78%

OM growth 5Y-10.67%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.2

Health

		Industry Rank	Sector Rank
Debt/Equity	0.36
Debt/FCF	7
Debt/EBITDA	0.87
Cap/Depr	33.24%
Cap/Sales	0.29%
Interest Coverage	0.95
Cash Conversion	133.87%
Profit Quality	N/A
Current Ratio	1.26
Quick Ratio	1.26
Altman-Z	0.95

F-Score5

WACC5.9%

ROIC/WACC2.95

Cap/Depr(3y)21.64%

Cap/Depr(5y)17.26%

Cap/Sales(3y)0.23%

Cap/Sales(5y)0.22%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)17.8%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%91.24%

EPS Next Y167.03%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)15.59%

Revenue growth 3Y18.01%

Revenue growth 5Y11.17%

Sales Q2Q%9.18%

Revenue Next Year7.63%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y58.64%

EBIT growth 3Y17.09%

EBIT growth 5Y-0.69%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y373.88%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y376.53%

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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