Accord Financial Financials

ACD Stock  CAD 3.96  0.04  1.00%   
Please use analysis of Accord Financial Corp fundamentals to determine if markets are correctly pricing the company. We were able to break down thirty-three available fundamental indicators for Accord Financial Corp, which can be compared to its peers. The stock experiences a moderate downward daily trend and can be a good diversifier. Check odds of Accord Financial to be traded at C$3.88 in 90 days. Key indicators impacting Accord Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio5.164.9181
Sufficiently Up
Slightly volatile
Current Ratio0.01440.0152
Notably Down
Slightly volatile
  
Understanding current and past Accord Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Accord Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Accord Financial's assets may result in an increase in income on the income statement.

Accord Financial Stock Summary

Accord Financial competes with NVIDIA CDR, Apple, Microsoft Corp, Amazon CDR, and Alphabet. Accord Financial Corp., through its subsidiaries, provides asset-based financial services to industrial and commercial enterprises primarily in Canada and the United States. Accord Financial Corp. was founded in 1978 and is headquartered in Toronto, Canada. ACCORD FINANCIAL operates under Credit Services classification in Canada and is traded on Toronto Stock Exchange. It employs 106 people.
Foreign Associate
  UK
Specialization
Financial Services, Financial Services
InstrumentCanada Stock View All
ExchangeToronto Exchange
ISINCA00435L1085
Business Address40 Eglinton Avenue
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.accordfinancial.com
Phone800 967 0015
CurrencyCAD - Canadian Dollar
You should never invest in Accord Financial without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Accord Stock, because this is throwing your money away. Analyzing the key information contained in Accord Financial's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

Accord Financial Key Financial Ratios

Accord Financial's financial ratios allow both analysts and investors to convert raw data from Accord Financial's financial statements into concise, actionable information that can be used to evaluate the performance of Accord Financial over time and compare it to other companies across industries.

Accord Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets406.2M384.9M520.1M491.8M513.5M539.2M
Other Current Liab(260.2M)(243.2M)(368.7M)(342.4M)(390.1M)(370.6M)
Net Debt290.7M268.9M384.1M356.4M404.3M424.6M
Retained Earnings75.0M73.1M83.3M82.2M65.6M50.9M
Other Current Assets(376.4M)(361.4M)(497.2M)6.7M(477.0M)(453.2M)
Total Liab309.8M291.2M416.1M385.1M424.8M446.1M
Total Current Assets109.1M117.1M93.7M77.4M5.9M5.6M
Short Term Debt254.0M232.3M356.8M331.2M390.1M409.6M
Intangible Assets3.6M3.3M3.1M3.2M3.0M2.7M
Other Assets277.7M249.6M408.9M397.3M456.9M479.8M
Accounts Payable6.2M10.8M11.9M11.2M8.1M6.5M
Cash6.8M5.5M13.8M11.6M9.7M7.2M
Net Receivables102.3M111.6M79.9M65.8M467.3M490.7M
Good Will13.5M13.2M13.1M12.1M18.6M19.6M
Other Liab2.1M3.5M1.9M800.7K920.8K1.7M
Net Tangible Assets75.4M73.4M83.7M85.7M98.5M76.7M
Short Long Term Debt11.2M21.4M356.8M331.2M371.8M390.4M
Long Term Debt41.9M251.9M40.1M35.4M40.4M59.2M
Long Term Debt Total43.5M42.2M41.1M154.0M177.1M186.0M
Capital Surpluse1.3M1.2M1.1M1.7M2.0M2.1M
Net Invested Capital388.4M363.1M496.9M467.5M496.1M439.2M

Accord Financial Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense17.1M14.6M15.9M24.1M35.3M37.1M
Total Revenue39.1M33.9M47.6M43.4M79.7M83.7M
Gross Profit38.1M32.9M46.7M42.6M79.0M83.0M
Operating Income8.0M(4.3M)13.6M26.5M44.5M46.7M
Ebit(42.3M)(40.1M)(16.1M)(11.4M)(14.6M)(13.8M)
Ebitda9.0M(3.2M)14.5M27.3M45.2M47.4M
Income Before Tax6.9M(4.1M)14.9M2.6M(27.2M)(25.8M)
Net Income6.4M607.8K11.9M1.4M(14.6M)(13.9M)
Income Tax Expense1.6M(4.7M)1.7M1.0M(11.8M)(11.2M)
Cost Of Revenue1.0M1.0M930.3K834.5K700K665K
Minority Interest3.9M3.9M(1.3M)(218.0K)768K729.6K
Tax Provision1.6M(4.7M)1.7M1.0M(11.8M)(11.2M)
Interest Income17.1M42.7M15.9M24.1M68.7M72.2M
Net Interest Income31.9M28.1M36.0M36.1M33.4M34.1M
Research Development0.240.120.080.040.340.36

Accord Financial Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash(9.6M)(1.2M)18.6M(5.9M)(8.6M)(8.1M)
Free Cash Flow(47.7M)23.3M(101.7M)31.3M(51.4M)(48.8M)
Depreciation1.0M1.0M836.3K834.5K700K535.3K
Other Non Cash Items420.8K7.8M(438.7K)8.3M33.0M34.6M
Dividends Paid3.1M2.1M1.7M2.6M1.9M2.8M
Capital Expenditures176.4K43.5K83.2K175.2K236K224.2K
Net Income5.3M607.8K13.2M1.6M(14.6M)(13.9M)
End Period Cash Flow6.8M5.5M24.1M18.3M9.7M5.1M
Change To Inventory(489.9K)(1.3M)550.4K22.0K25.3K26.6K
Net Borrowings41.0M(19.4M)123.5M(36.2M)(41.6M)(39.5M)
Change To Netincome1.8M2.0M2.1M8.4M9.6M10.1M
Investments(176.4K)(43.5K)(83.2K)(175.2K)(236K)(247.8K)

Accord Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Accord Financial's current stock value. Our valuation model uses many indicators to compare Accord Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Accord Financial competition to find correlations between indicators driving Accord Financial's intrinsic value. More Info.
Accord Financial Corp is rated third in return on equity category among its peers. It also is rated third in return on asset category among its peers . At this time, Accord Financial's Return On Equity is very stable compared to the past year. Comparative valuation analysis is a catch-all model that can be used if you cannot value Accord Financial by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Accord Financial's Stock. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued.

Accord Financial Corp Systematic Risk

Accord Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Accord Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Execute Function
The function did not generate any output. Please change time horizon or modify your input parameters. The output start index for this execution was one with a total number of output elements of sixty. The Beta measures systematic risk based on how returns on Accord Financial Corp correlated with the market. If Beta is less than 0 Accord Financial generally moves in the opposite direction as compared to the market. If Accord Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Accord Financial Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Accord Financial is generally in the same direction as the market. If Beta > 1 Accord Financial moves generally in the same direction as, but more than the movement of the benchmark.

Accord Financial Corp Total Assets Over Time

Accord Financial Thematic Clasifications

Accord Financial Corp is part of Banks investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. All money banks and credit services. Large and small money and credit banks and credit services
BanksView
This theme covers All money banks and credit services. Large and small money and credit banks and credit services. Get More Thematic Ideas
Today, most investors in Accord Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Accord Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Accord Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.002318

At this time, Accord Financial's Price Earnings To Growth Ratio is very stable compared to the past year.

Accord Financial November 27, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Accord Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Accord Financial Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Accord Financial Corp based on widely used predictive technical indicators. In general, we focus on analyzing Accord Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Accord Financial's daily price indicators and compare them against related drivers.

Other Information on Investing in Accord Stock

Accord Financial financial ratios help investors to determine whether Accord Stock is cheap or expensive when compared to a particular measure, such as profits or enterprise value. In other words, they help investors to determine the cost of investment in Accord with respect to the benefits of owning Accord Financial security.