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ACCORD FINANCIAL CORP (ACD-DB.CA) Stock Fundamental Analysis

TSX:ACD-DB - Toronto Stock Exchange - CA00435LAA67 - Currency: CAD

100  0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ACD-DB. ACD-DB was compared to 32 industry peers in the Financial Services industry. While ACD-DB seems to be doing ok healthwise, there are quite some concerns on its profitability. ACD-DB does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ACD-DB has reported negative net income.
ACD-DB had a positive operating cash flow in the past year.
ACD-DB had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: ACD-DB reported negative operating cash flow in multiple years.
ACD-DB.CA Yearly Net Income VS EBIT VS OCF VS FCFACD-DB.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 0 20M -20M -40M -60M -80M -100M

1.2 Ratios

Looking at the Return On Assets, with a value of -2.11%, ACD-DB is doing worse than 93.75% of the companies in the same industry.
Looking at the Return On Equity, with a value of -10.69%, ACD-DB is doing worse than 93.75% of the companies in the same industry.
With an excellent Return On Invested Capital value of 17.43%, ACD-DB belongs to the best of the industry, outperforming 96.88% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for ACD-DB is above the industry average of 5.84%.
The 3 year average ROIC (10.51%) for ACD-DB is below the current ROIC(17.43%), indicating increased profibility in the last year.
Industry RankSector 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%
ACD-DB.CA Yearly ROA, ROE, ROICACD-DB.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10

1.3 Margins

The Operating Margin of ACD-DB (38.82%) is comparable to the rest of the industry.
ACD-DB's Operating Margin has declined in the last couple of years.
ACD-DB does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
ACD-DB.CA Yearly Profit, Operating, Gross MarginsACD-DB.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20 40

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4

2. Health

2.1 Basic Checks

ACD-DB has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, ACD-DB has less shares outstanding
ACD-DB has more shares outstanding than it did 5 years ago.
ACD-DB has a worse debt/assets ratio than last year.
ACD-DB.CA Yearly Shares OutstandingACD-DB.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M
ACD-DB.CA Yearly Total Debt VS Total AssetsACD-DB.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M 500M

2.2 Solvency

ACD-DB has an Altman-Z score of 2.43. This is not the best score and indicates that ACD-DB is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of ACD-DB (2.43) is comparable to the rest of the industry.
ACD-DB has a debt to FCF ratio of 7.00. This is a slightly negative value and a sign of low solvency as ACD-DB would need 7.00 years to pay back of all of its debts.
ACD-DB has a Debt to FCF ratio of 7.00. This is in the lower half of the industry: ACD-DB underperforms 62.50% of its industry peers.
ACD-DB has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
ACD-DB has a better Debt to Equity ratio (0.36) than 84.38% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 7
Altman-Z 2.43
ROIC/WACC1.47
WACC11.87%
ACD-DB.CA Yearly LT Debt VS Equity VS FCFACD-DB.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M -50M 100M -100M 150M

2.3 Liquidity

ACD-DB has a Current Ratio of 1.26. This is a normal value and indicates that ACD-DB is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.26, ACD-DB is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
ACD-DB has a Quick Ratio of 1.26. This is a normal value and indicates that ACD-DB is financially healthy and should not expect problems in meeting its short term obligations.
ACD-DB has a Quick ratio of 1.26. This is in the better half of the industry: ACD-DB outperforms 75.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.26
Quick Ratio 1.26
ACD-DB.CA Yearly Current Assets VS Current LiabilitesACD-DB.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M

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3

3. Growth

3.1 Past

ACD-DB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.80%, which is quite good.
The Revenue has grown by 15.59% in the past year. This is quite good.
Measured over the past years, ACD-DB 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.
ACD-DB.CA Yearly Revenue VS EstimatesACD-DB.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
ACD-DB.CA Yearly EPS VS EstimatesACD-DB.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0.5 -0.5

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for ACD-DB. In the last year negative earnings were reported.
The Price/Forward Earnings ratio is 162.31, which means the current valuation is very expensive for ACD-DB.
71.88% of the companies in the same industry are cheaper than ACD-DB, based on the Price/Forward Earnings ratio.
ACD-DB is valuated expensively when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 162.31
ACD-DB.CA Price Earnings VS Forward Price EarningsACD-DB.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 -50 100 150

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ACD-DB is valued cheaper than 84.38% of the companies in the same industry.
ACD-DB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ACD-DB is cheaper than 78.13% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.9
EV/EBITDA 34.22
ACD-DB.CA Per share dataACD-DB.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

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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0

5. Dividend

5.1 Amount

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

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ACCORD FINANCIAL CORP

TSX:ACD-DB (3/6/2025, 7:00:00 PM)

100

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-27 2025-02-27
Earnings (Next)05-12 2025-05-12
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners2.88%
Ins Owner ChangeN/A
Market Cap856.00M
Analysts80
Price Target214.91 (114.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)N/A
PT rev (3m)N/A
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 162.31
P/S 9.98
P/FCF 18.9
P/OCF 18.79
P/B 10.32
P/tB 10.32
EV/EBITDA 34.22
EPS(TTM)-1.04
EYN/A
EPS(NY)0.62
Fwd EY0.62%
FCF(TTM)5.29
FCFY5.29%
OCF(TTM)5.32
OCFY5.32%
SpS10.02
BVpS9.69
TBVpS9.69
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 2.43
F-Score5
WACC11.87%
ROIC/WACC1.47
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