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ACCORD FINANCIAL CORP (ACD.CA) Stock Fundamental Analysis

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

3.8  +0.05 (+1.33%)

Fundamental Rating

4

Overall ACD gets a fundamental rating of 4 out of 10. We evaluated ACD against 32 industry peers in the Financial Services industry. The financial health of ACD is average, but there are quite some concerns on its profitability. ACD is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

ACD had negative earnings in the past year.
ACD had a positive operating cash flow in the past year.
Of the past 5 years ACD 4 years were profitable.
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 0 20M -20M -40M -60M -80M -100M

1.2 Ratios

Looking at the Return On Assets, with a value of -2.11%, ACD is doing worse than 90.63% of the companies in the same industry.
Looking at the Return On Equity, with a value of -10.69%, ACD is doing worse than 90.63% of the companies in the same industry.
With an excellent Return On Invested Capital value of 17.43%, ACD belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
ACD had an Average Return On Invested Capital over the past 3 years of 10.51%. This is above the industry average of 5.84%.
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 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.CA Yearly ROA, ROE, ROICACD.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10

1.3 Margins

Looking at the Operating Margin, with a value of 38.82%, ACD is in line with its industry, outperforming 50.00% of the companies in the same 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 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.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 0 20 40

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4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so ACD is creating value.
The number of shares outstanding for ACD has been reduced compared to 1 year ago.
ACD has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, ACD has a worse debt to assets ratio.
ACD.CA Yearly Shares OutstandingACD.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 100M 200M 300M 400M 500M

2.2 Solvency

ACD has an Altman-Z score of 0.96. This is a bad value and indicates that ACD is not financially healthy and even has some risk of bankruptcy.
ACD's Altman-Z score of 0.96 is on the low side compared to the rest of the industry. ACD is outperformed by 78.13% 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.
Looking at the Debt to FCF ratio, with a value of 7.00, ACD is in line with its industry, outperforming 40.63% of the companies in the same industry.
ACD has a Debt/Equity ratio of 0.36. This is a healthy value indicating a solid balance between debt and equity.
ACD has a Debt to Equity ratio of 0.36. This is amongst the best in the industry. ACD outperforms 87.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.36
Debt/FCF 7
Altman-Z 0.96
ROIC/WACC2.91
WACC5.99%
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 0 50M -50M 100M -100M 150M

2.3 Liquidity

ACD has a Current 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.
With a decent Current ratio value of 1.26, ACD is doing good in the industry, outperforming 78.13% of the companies in the same industry.
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.
Looking at the Quick ratio, with a value of 1.26, ACD is in the better half of the industry, outperforming 78.13% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.26
Quick Ratio 1.26
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 100M 200M 300M 400M

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.80% over the past year.
ACD shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.59%.
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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 0.5 -0.5

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for ACD. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 6.17, the valuation of ACD can be described as very cheap.
Based on the Price/Forward Earnings ratio, ACD is valued cheaper than 93.75% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.10. ACD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 6.17
ACD.CA Price Earnings VS Forward Price EarningsACD.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60 80

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 96.88% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, ACD is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.72
EV/EBITDA 10.01
ACD.CA Per share dataACD.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

ACD's 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!.
Industry RankSector Rank
Dividend Yield N/A

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ACCORD FINANCIAL CORP

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

3.8

+0.05 (+1.33%)

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 Cap32.53M
Analysts80
Price Target8.77 (130.79%)
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)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 RankSector Rank
PE N/A
Fwd PE 6.17
P/S 0.38
P/FCF 0.72
P/OCF 0.71
P/B 0.39
P/tB 0.39
EV/EBITDA 10.01
EPS(TTM)-1.04
EYN/A
EPS(NY)0.62
Fwd EY16.21%
FCF(TTM)5.29
FCFY139.26%
OCF(TTM)5.32
OCFY140.02%
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 0.96
F-Score5
WACC5.99%
ROIC/WACC2.91
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