YOLFTbeta
Accord Financial Corp.

Accord Financial Corp.

ACD · TO · Financial Services / Credit Services

0.71CAD+0.01 (+1.43%)

Price History

Full chart

Market Stats

Previous Close0.70
Open0.71
Day Range0.71 – 0.71
52-Week Range0.50 – 3.53
Volume500
Market Cap6.42M
P/E (TTM)0.00
Forward P/E9.34
EPS-3.82
Dividend Yield0.00%
Beta-0.02
50-Day Avg0.8018
200-Day Avg1.22

About

Accord Financial Corp., through its subsidiaries, provides asset-based financial services to industrial and commercial enterprises primarily in Canada and the United States. It is also involved in asset-based lending, which entails financing or purchasing receivables on a recourse basis, as well as financing other tangible assets, such as inventory; and equipment financing, provision of lease and equipment, trade, working capital, film and media production, and supply chain financing for importers. The company serves customers in manufacturing, retail, services, wholesale, import and export, lending, apparel and textile, food and beverage, and construction sectors. Accord Financial Corp. was founded in 1978 and is based in Toronto, Canada.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Simon Hitzig
  • Employees72
  • Headquarters40 Eglinton Avenue East, Toronto, ON, Canada, M4P 3A2, Canada
  • Websitehttps://accordfinancial.com

Leadership

  • Mr. Simon HitzigPresident, CEO, Secretary & Director
  • Ms. Irene EddySenior VP & CFO
  • Ms. Cathy OsborneSenior Vice President of Human Resources
  • Mr. James Chadwick JangPresident of Canada
  • Ms. Cynthia AboudSenior Vice President of Business Development for Canada Asset Based Finance
  • Ms. JoAnne EvansSenior Vice President of Operations - Canada Asset Based Finance

Financials

Income Statement

Currency: CAD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue18.70M19.30M19.10M19.80M24.40M28.52M26.63M25.48M25.44M27.42M26.23M28.86M28.35M28.06M24.05M31.41M28.41M23.98M26.07M27.71M29.32M26.24M27.56M37.52M56.18M48.50M63.48M67.49M79.70M83.06M61.90M
Growth (%)-+3.21%-1.04%+3.66%+23.23%+16.87%-6.62%-4.32%-0.14%+7.77%-4.33%+10.04%-1.79%-1.01%-14.31%+30.61%-9.55%-15.59%+8.73%+6.29%+5.80%-10.50%+5.03%+36.13%+49.72%-13.66%+30.89%+6.32%+18.10%+4.20%-25.47%
Cost of Revenue-----------------1.91M3.82M-1.53M2.26M2.28M3.85M9.41M24.19M24.00M15.27M32.38M59.77M52.19M974.00K
Gross Profit18.70M19.30M19.10M19.80M24.40M28.52M26.63M25.48M25.44M27.42M26.23M28.86M28.35M28.06M24.05M31.41M28.41M23.98M22.25M29.24M27.06M23.96M23.71M28.11M31.98M24.50M48.21M35.11M19.93M30.87M60.92M
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%85.33%105.52%92.30%91.31%86.04%74.93%56.93%50.52%75.94%52.02%25.00%37.17%98.43%
Operating Expense11.70M12.30M12.20M12.70M14.80M16.40M22.00M18.26M16.54M14.18M15.23M17.96M15.75M20.41M19.56M16.15M14.57M12.04M12.37M18.74M13.48M16.82M16.54M16.83M25.06M28.56M33.26M32.46M47.12M33.96M51.51M
Operating Income7.00M7.00M6.90M7.10M9.60M12.11M4.62M7.22M8.90M13.24M11.00M10.90M12.59M7.65M4.48M15.26M13.83M11.94M9.88M10.50M13.58M7.14M7.17M11.28M6.92M-4.06M14.95M2.65M-27.19M-3.09M9.42M
Operating Margin37.43%36.27%36.13%35.86%39.34%42.47%17.37%28.33%35.00%48.30%41.94%37.76%44.42%27.28%18.63%48.59%48.70%49.78%37.88%37.91%46.33%27.23%26.02%30.07%12.32%-8.38%23.55%3.92%-34.11%-3.72%15.22%
EBITDA23.70M24.20M23.60M22.10M27.50M-1.33M-6.75M-1.19M-1.23M13.66M8.50M13.61M12.80M10.72M5.84M14.16M11.92M10.15M9.88M10.50M11.47M8.72M7.86M11.97M7.95M-3.04M15.79M3.48M-26.49M-2.43M9.91M
EBITDA Margin126.74%125.39%123.56%111.62%112.70%-4.66%-25.36%-4.67%-4.84%49.82%32.41%47.16%45.16%38.21%24.30%45.10%41.95%42.34%37.88%37.91%39.13%33.24%28.53%31.90%14.15%-6.27%24.87%5.16%-33.24%-2.92%16.00%
Net Income4.20M4.30M4.50M4.80M6.20M7.43M2.92M4.65M5.84M7.62M6.21M7.12M6.29M5.04M3.09M8.24M7.58M6.38M6.54M6.88M8.76M6.57M6.01M10.36M6.44M416.63K11.89M1.43M-14.63M-3.14M-29.97M
Net Income Margin22.46%22.28%23.56%24.24%25.41%26.05%10.96%18.25%22.95%27.81%23.68%24.66%22.18%17.97%12.84%26.25%26.70%26.59%25.08%24.82%29.87%25.02%21.81%27.60%11.47%0.86%18.73%2.11%-18.35%-3.78%-48.42%
R&D---------------------0.250.210.240.120.080.240.040.34--
R&D as % of Total Revenue---------------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense0000000000002.99M2.87M1.18M1.73M2.05M1.91M1.91M2.52M2.26M2.28M3.85M9.41M17.09M14.60M15.89M24.09M35.30M36.01M33.19M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%10.56%10.23%4.91%5.51%7.20%7.97%7.33%9.10%7.70%8.69%13.96%25.07%30.42%30.09%25.03%35.69%44.29%43.35%53.62%

Balance Sheet

Currency: CAD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets32.50M35.70M32.00M44.30M62.30M79.95M67.88M72.07M75.48M74.05M90.10M84.68M107.13M103.50M97.94M113.12M98.49M124.59M120.81M154.62M154.56M158.57M251.02M373.78M406.21M384.91M520.11M491.76M513.48M413.88M356.70M
Total Liabilities12.20M14.00M7.30M16.50M30.70M40.77M25.27M26.44M30.68M39.05M51.54M44.96M67.94M55.32M54.58M68.56M50.64M77.20M67.38M93.29M81.49M82.88M170.89M278.60M309.85M291.15M416.15M385.15M424.82M327.20M302.87M
Total Equity18.10M21.70M24.70M27.80M31.60M39.19M42.61M45.63M44.80M34.99M38.56M39.72M39.20M48.18M43.36M44.57M47.86M47.40M53.43M61.33M73.07M75.68M76.45M89.82M92.51M89.85M99.97M100.97M83.90M80.83M50.99M
Cash---------222.44K1.17M2.15M1.15M993.72K339.27K4.54M2.85M9.90M3.44M7.10M12.44M12.77M12.46M16.35M6.78M5.55M13.84M11.63M5.91M16.67M6.99M
Total Debt5.80M8.10M1.90M8.60M21.40M32.21M13.85M12.75M22.53M42.99M39.89M35.88M57.77M46.82M46.05M54.74M41.83M69.06M58.18M80.80M67.30M73.85M154.00M262.59M297.47M274.47M397.94M485.20M414.05M313.52M292.38M
Net Debt5.80M8.10M1.90M8.60M21.40M32.21M13.85M12.75M22.53M42.77M38.72M33.73M56.63M45.83M45.71M50.20M38.98M59.16M54.73M73.70M54.85M61.08M141.55M246.25M290.70M268.92M384.10M356.43M408.13M296.85M285.39M

Cash Flow

Currency: CAD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow4.80M1.30M10.10M2.60M-8.00M-7.18M20.26M5.50M-3.56M10.53M-7.06M11.02M-20.27M14.01M2.96M-2.40M19.11M-14.25M8.40M-6.54M25.99M-3.50M-75.26M-94.34M-47.56M23.37M-101.65M31.51M-51.12M60.56M5.91M
Investing Cash Flow-600.00K-3.50M-1.00M-7.00M-4.00M-2.36M-463.84K-305.68K-534.93K-307.86K-1.86M-47.65K-86.34K-220.51K-85.89K-79.88K-146.97K-46.84K-45.74K-4.36M-98.21K-160.09K-1.33M-501.27K-176.36K-43.47K-83.25K-175.00K-236.00K60.25M-28.00K
Financing Cash Flow-900.00K-2.00M-2.30M-2.10M12.00M9.74M-19.69M-2.39M8.78M-10.56M10.77M-10.10M20.19M-14.83M-2.95M6.73M-20.62M21.45M-14.88M14.15M-22.39M4.67M75.62M99.62M37.94M-21.91M120.37M-37.27M43.19M-108.17M-19.86M
Capital Expenditure600.00K3.50M1.00M7.00M300.00K511.85K292.47K405.68K534.93K307.86K243.05K122.65K86.34K220.51K85.89K79.88K146.97K46.84K45.74K192.69K98.21K160.09K409.17K501.27K176.36K43.47K83.25K175.23K236.00K395.00K28.00K
Free Cash Flow4.20M-2.20M9.10M-4.40M-8.30M-7.69M19.97M5.09M-4.09M10.22M-7.30M10.90M-20.36M13.79M2.87M-2.48M18.96M-14.30M8.35M-6.73M25.90M-3.66M-75.67M-94.84M-47.74M23.33M-101.73M31.33M-51.35M60.17M5.88M
Dividends Paid700.00K800.00K800.00K900.00K1.10M1.32M1.33M1.33M1.53M16.40M1.79M1.97M2.08M2.28M2.45M2.63M2.67M2.59M2.63M2.74M2.91M2.99M2.99M3.00M3.05M2.06M1.71M2.57M1.93M0-
FCF to OCF87.50%-169.23%90.10%-169.23%103.75%107.13%98.56%92.62%115.04%97.08%103.44%98.89%100.43%98.43%97.09%103.33%99.23%100.33%99.46%102.95%99.62%104.58%100.54%100.53%100.37%99.81%100.08%99.44%100.46%99.35%99.53%
Dividend Paid to FCF16.67%-36.36%8.79%-20.45%-13.25%-17.18%6.66%26.14%-37.43%160.50%-24.46%18.04%-10.22%16.54%85.37%-106.14%14.08%-18.13%31.50%-40.73%11.23%-81.78%-3.95%-3.17%-6.39%8.81%-1.68%8.20%-3.75%0.00%-

Earnings

Report DateSep 30, 2002Dec 31, 2002Apr 30, 2003Jul 31, 2003Oct 30, 2003Feb 5, 2004Apr 27, 2004Jul 29, 2004Oct 27, 2004Feb 23, 2005May 4, 2005Jul 27, 2005Oct 26, 2005Feb 21, 2006May 3, 2006Jul 27, 2006Oct 31, 2006Feb 21, 2007May 2, 2007Jul 25, 2007Oct 30, 2007Feb 21, 2008May 7, 2008Jul 23, 2008Oct 28, 2008Feb 24, 2009May 7, 2009Jul 28, 2009Oct 26, 2009Feb 23, 2010May 5, 2010Jul 27, 2010Oct 25, 2010Feb 22, 2011May 4, 2011Jul 26, 2011Oct 20, 2011Feb 21, 2012May 2, 2012Jul 24, 2012Oct 18, 2012Feb 19, 2013May 1, 2013Jul 25, 2013Oct 22, 2013Feb 25, 2014May 7, 2014Jul 29, 2014Oct 23, 2014Feb 24, 2015May 6, 2015Jul 28, 2015Oct 20, 2015Feb 16, 2016May 4, 2016Jul 26, 2016Nov 1, 2016Feb 22, 2017May 3, 2017Jul 26, 2017Oct 30, 2017Feb 20, 2018Apr 2, 2018Jul 26, 2018Oct 23, 2018Feb 27, 2019Apr 30, 2019Jul 31, 2019Oct 30, 2019Feb 27, 2020May 28, 2020Jul 30, 2020Oct 28, 2020Mar 10, 2021May 5, 2021Aug 5, 2021Nov 4, 2021Mar 10, 2022May 4, 2022Aug 3, 2022Nov 2, 2022Mar 23, 2023May 8, 2023Aug 2, 2023Nov 14, 2023Mar 25, 2024May 14, 2024Aug 8, 2024Nov 7, 2024May 15, 2025Aug 14, 2025Nov 13, 2025May 15, 2026Aug 13, 2026Nov 10, 2026
EPS Estimate-----0.24-----0.150.180.210.11-----------------------------------------------------------------------0.08---------
EPS Actual0.140.100.120.120.160.250.130.180.170.270.110.130.100.230.170.150.150.250.150.170.120.220.160.180.140.050.140.050.080.060.170.250.150.320.180.160.250.260.100.150.210.310.150.150.170.320.100.180.260.290.210.210.300.340.180.200.150.270.150.040.240.290.150.280.310.500.190.260.38-0.08-0.690.510.070.160.300.360.310.420.370.010.21-0.430.24-0.03-1.03-0.890.07-0.13-0.09-0.22-0.10-0.28-2.96-0.33-
Surprise-----4.17%------13.33%-44.44%9.52%54.55%-----------------------------------------------------------------------1012.50%---------
Timing-----After-hours-----After-hoursAfter-hoursAfter-hours------------------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hours--------------Pre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap6.42M
Enterprise Value369.39M
Trailing P/E0.00
Forward P/E9.34
PEG Ratio0.00
Price / Sales0.36
Price / Book0.18
EPS-3.82
Book Value5.11
Revenue (TTM)17.64M
Gross Profit (TTM)17.64M
EBITDA32.69M
Profit Margin-192.65%
Operating Margin-59.37%
Return on Equity-55.45%
Return on Assets-11.92%
Shares Outstanding8.56M
Shares Float3.10M
Beta-0.02
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Dividends

20233×
0.07Aug 14, 20230.07May 12, 20230.07Feb 14, 2023
20224×
0.07Nov 14, 20220.07Aug 12, 20220.07May 12, 20220.07Feb 14, 2022
20214×
0.05Nov 12, 20210.05Aug 13, 20210.05May 13, 20210.05Feb 12, 2021
20204×
0.05Nov 12, 20200.05Aug 13, 20200.05May 14, 20200.09Feb 13, 2020
20194×
0.09Nov 14, 20190.09Aug 14, 20190.09May 16, 20190.09Feb 14, 2019
20184×
0.09Nov 14, 20180.09Aug 14, 20180.09May 16, 20180.09Feb 14, 2018
20171×
0.09Nov 14, 2017

Stock Splits

  • May 9, 20031:10
  • Apr 16, 20011:100