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Home CompaniesAccord Financial Corp.

Accord Financial Corp.

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
0.71 CAD 0.00(0%)
Last update at 2026-11-03T14:30:00Z
Market Cap
11.21M

Momentum Score

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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 involved in the 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; and 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.

Source: TradingView
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Day Price Range
0.71
Low
0.71
High
52 Week Price Range
1.18
Low
3.86
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Accord Financial Corp. is a Toronto-listed specialty finance company providing asset-based lending, factoring, equipment financing and trade-related working capital solutions to small and mid-sized businesses in Canada and the U.S. Long-term growth drivers include structural demand for non-bank SME credit, product diversification across short-term commercial finance and potential yield support in higher-rate environments, which may appeal to investors seeking recurring-fee lending exposure.
Material risks include cyclical credit losses during downturns, funding and liquidity constraints tied to securitization, and competitive pressure from banks and alternative lenders.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
0.71
Dividend Yield
-
Revenue TTM
17.62M
Revenue Per Share
2.06
Gross Profit TTM
17.62M
Debt / Equity
5.73
ROE
-46.60%
Net Debt
285.39M
ROCE
12.85%
Diluted EPS TTM
-3.53

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -23.77M -3.09M -27.19M 2.65M 14.95M
Minority interest - -0.69M 0.77M -0.22M -1.34M
Net income -29.97M -3.14M -14.62M 1.43M 11.89M
Selling general administrative - 33.30M 34.55M 29.60M 31.46M
Selling and marketing expenses - - 9.01M - -
Gross profit 60.92M 30.87M 19.93M 43.40M 47.59M
Reconciled depreciation - 0.67M 0.70M 0.83M 0.84M
Ebit 9.42M -3.09M -27.19M 26.52M 29.50M
Ebitda 9.91M -2.43M -26.49M 27.35M 30.34M
Depreciation and amortization 0.49M 0.67M 0.70M 0.83M 0.84M
Operating income 9.42M -3.09M -27.19M 26.52M 29.50M
Other operating expenses 52.48M 86.15M 106.90M - -
Interest expense 33.19M 36.01M 35.30M 24.09M 15.89M
Tax provision - -0.65M -11.80M 1.00M 1.73M
Interest income - 36.01M 68.74M 24.09M 15.89M
Net interest income - 31.57M 33.44M 36.13M 36.01M
Income tax expense 8.96M -0.65M -11.80M 1.00M 1.73M
Total revenue 61.90M 83.06M 79.70M 43.40M 47.59M
Total operating expenses 51.51M 33.96M 47.12M - -
Cost of revenue 0.97M 52.19M 59.77M - -
Total other income expense net -33.19M - -61.79M -23.87M -14.55M
Net income from continuing ops - -2.45M -15.39M 1.64M 13.22M
Net income applicable to common shares - -3.14M -14.62M 1.43M 11.89M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 356.70M 413.88M 513.48M 491.76M 520.11M
Intangible assets - - 3.00M 3.20M 3.11M
Other current assets - - -477.01M 6.73M 10.47M
Total liab 302.87M 327.20M 424.82M 385.15M 416.15M
Total stockholder equity 50.99M 80.83M 83.90M 100.97M 99.97M
Other current liab - - -390.09M -342.42M -368.68M
Common stock 9.45M - 9.45M 9.45M 9.45M
Capital stock - 9.45M 9.45M 9.45M 9.45M
Retained earnings 32.50M 62.47M 65.61M 82.16M 83.30M
Other liab - - - - 0.80M
Good will - - 18.62M 12.07M 13.14M
Other assets - - - 397.34M 408.86M
Cash 6.99M 16.67M 9.70M 11.63M 13.84M
Total current liabilities 283.42M - 390.09M 342.42M 368.68M
Current deferred revenue - - 382.03M - -
Net debt 285.39M 294.71M 404.35M 356.43M 384.10M
Short term debt 283.42M - 390.09M 331.20M 356.82M
Short long term debt - 243.90M 371.78M 331.20M 356.82M
Short long term debt total 292.38M - 414.05M 368.06M 397.94M
Other stockholder equity 1.89M - -63.83M 1.71M 1.09M
Property plant equipment - - - 1.75M 1.27M
Total current assets 334.58M - 5.91M 77.40M 93.72M
Net tangible assets - - - 85.70M 83.71M
Net receivables 327.59M - 467.32M 65.77M 79.88M
Long term debt - 67.48M 40.38M 35.36M 40.15M
Accounts payable - - 8.06M 11.22M 11.86M
Accumulated other comprehensive income 7.16M - 7.07M 7.66M 6.13M
Non currrent assets other 8.76M - -20.74M -17.02M -17.53M
Non current assets total 22.12M - 507.57M 17.02M 17.53M
Capital lease obligations - 2.14M 1.88M 1.50M 0.98M
Long term debt total - - - 154.00M 41.12M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - 60.25M -0.24M -0.18M -0.08M
Change to liabilities - - - -12.07M 1.35M
Total cashflows from investing activities -0.03M 60.25M -0.24M -0.18M -0.08M
Net borrowings - -108.17M 45.12M -36.19M 123.51M
Total cash from financing activities -19.86M -108.17M 43.19M -37.27M 120.37M
Change to operating activities - - - 32.95M -117.81M
Net income -29.97M -2.45M -14.62M 1.64M 13.22M
Change in cash -9.68M 6.98M -8.56M -5.89M 18.60M
Begin period cash flow 16.67M 9.70M 18.25M 24.15M 5.55M
End period cash flow 6.99M 16.67M 9.70M 18.26M 24.15M
Total cash from operating activities 5.91M 60.56M -51.12M 31.51M -101.65M
Depreciation 0.49M 0.67M 0.70M 0.83M 0.84M
Other cashflows from investing activities - 60.65M - - -
Dividends paid - 0.00M -1.93M 2.57M 1.71M
Change to account receivables 0.56M 48.57M -51.57M 36.48M -118.83M
Sale purchase of stock - - - - 0.00M
Other cashflows from financing activities -0.31M -0.37M -0.24M 10.53M 123.99M
Change to netincome - - - 8.37M 2.09M
Capital expenditures 0.03M 0.40M 0.24M 0.18M 0.08M
Change in working capital 6.43M 47.30M -58.56M 19.54M -117.08M
Stock based compensation - 0.12M 0.17M 0.19M 0.09M
Other non cash items 28.97M 15.57M 33.00M 8.30M -0.44M
Free cash flow 5.88M 60.17M -51.35M 31.33M -101.73M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(CAD)
Price
(CAD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
ACD
Accord Financial Corp.		 -
-%		 0.71 - 9.34 0.64 0.22 10.57 24.50
AXP
American Express CDR (CAD Hedged)		 0.62
2.27%		 27.99 20.47 17.95 3.03 6.45 3.93 -
PRL
Propel Holdings Inc		 3.99
15.05%		 30.50 11.41 5.62 1.47 2.42 1.75 -
GSY
goeasy Ltd		 1.76
3.86%		 47.40 - 4.63 1.03 0.61 2.98 4.95

Profile*

Accord Financial Corp.

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 involved in the 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; and 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.

40 Eglinton Avenue East, Toronto, ON, Canada, M4P 3A2

800 967 0015

https://accordfinancial.com

72

Name Title Year Born
Mr. Simon Hitzig Pres, CEO, Sec. & Director NA
Mr. James Chadwick Jang Pres of Canada Equipment Fin. NA
Ms. Irene Eddy Sr. VP & CFO NA
Stikeman Elliott Legal Counsel NA
Ms. Cathy Osborne Sr. VP of HR NA
Ms. Cynthia Aboud Sr. VP of Bus. Devel. for Canada Asset Based Fin. NA
Mr. Jason Rosenfeld Pres of Canada Asset Based Fin. NA
Mr. Terry M. Keating Pres of US Asset Based Fin. NA
Mr. Jeffry Pfeffer Pres of US Equipment Fin. NA
Mr. Joey Grossman Chief Financial Officer of Canada Asset Based Fin. NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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