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Accord Financial Corp (ACCFF) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of Accord Financial Corp $0.70, price $0.61, upside +15.2%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US

AF Accord Financial Corp logo Thin data Sep 24, 2026

Accord Financial Corp

ACCFF · US

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value $0.6992 · Undervalued (+15.2%)
!Quality 51/100
!Weak Growth (revenue 5y +5.0 %/yr)
!Loss-making · -176.8% net margin (TTM)
✓Moderate debt · generates free cash flow
!Mixed vs. peers (5/12)
!Narrow moat 10/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

$6.80 $0.6069 Fair Value $0.6992 Aug 2015 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $0.6069 – $6.80 · fair‑value band $0.4646 – $1.02 · the $0.6069 price screens below the $0.6992 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

Accord Financial Corp., through its subsidiaries, provides asset-based financial services to industrial and commercial enterprises primarily in Canada and the United States.

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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 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.

Stock analysis

Accord Financial Corp (ACCFF) currently trades at $0.6069, while our model-based Fair Value estimate is $0.6992, implying the stock looks roughly 13.2% undervalued today.

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Valuation

How firm this estimate is: it rests on 13 models at a data quality of 94/100, which puts the evidence level at low.

Scenario range: $0.4646 (bear) to $1.02 (bull), the price of $0.6069 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Accord Financial Corp reported revenue of C$61.8M in FY2025 versus C$63.5M in FY2021, a compound −0.6%/yr. Reported net income was −C$29.9M in FY2025.

Key figures

Market cap $5.2M · P/S ratio 0.29 · EPS (TTM) $−2.53 · Net margin −48.4% · Return on equity −50.0% · Return on assets (EBIT) 0.0% · Operating margin −20.6% · Revenue growth (YoY) +9.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).

What moves the price

The share trades about 75% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 15%, ACCFF screens cheaper than that median.

Fair Value models

Bear $0.4646 Fair Value $0.6992 Bull $1.02
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF $15.66 $23.84 $34.93 78
Rev-Margin DCF $7.79 $12.37 $17.64 72
NCAV (Graham) $2.09 $2.80 $4.18 54
All 3 models by family
Asset-Based
NCAV (Graham) $2.09 $2.80 $4.18 54
Growth DCF
Growth DCF $15.66 $23.84 $34.93 78
Rev-Margin DCF $7.79 $12.37 $17.64 72

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Quality Score breakdown

Overall quality 51/100

Of which business quality 49 · Market factors (momentum, volatility) 15

Profitability 7
Margins and returns on capital today
Quality Growth 63
Are margins and returns improving?
Cashflow 63
Earnings quality: real cash, not paper profit
Fin. Strength 7
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 0
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+34.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.0%
Start year 2020 (pandemic). Over 10 years: +7.7% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−8.4% (2020) → 15.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 330 stocks

Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside +100.0% · Top 25%
Profitability
Return on assets −10.7% · Bottom 25%
Net margin (TTM) −176.8% · Bottom 25%
Operating margin (TTM) −20.6% · Bottom 25%
Growth and dividend
Revenue growth 9.3% · Below median
Balance sheet
Debt / equity 0.91× · Above median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 0.10× · Cheapest 25%
P/S (TTM) 0.29× · Cheapest 25%
P/FCF 0.9× · Cheapest 25%
EV/EBITDA 1.4× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 55
FUTURE (revenue growth)47 · sector 55
PAST (return on equity)0 · sector 32
HEALTH (low debt)54 · sector 59
DIVIDEND (yield)0 · sector 64

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Visa Inc V $359.33 $221.29 −38%
Mastercard Incorporated MA $551.47 $359.54 −35%
American Express Company AXP $304.10 $208.54 −31%
Capital One Financial Corporation COF $193.07 $125.94 −35%
Bajaj Finance Limited BAJFINANCE ₹948.30 ₹1,100 +16%
PayPal Holdings PYPL $53.06 $104.12 +96%
Shriram Finance Limited SHRIRAMFIN ₹994.10 ₹1,364 +37%
Affirm Holdings AFRM $67.21 $73.93 +10%
Synchrony Financial, SYF $71.52 $141.92 +98%
SoFi Technologies, Inc SOFI $15.72 $5.53 −65%

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Cite: Fair Value Calculator (2026). "Accord Financial Corp Fair Value". https://www.fairvalue-calculator.com/stock/ACCFF

Frequently asked questions

Is Accord Financial Corp (ACCFF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.6992 versus the last price from Sep 25, 2026 of $0.6069, about +15% upside (undervalued).
What is the fair value of ACCFF?
Our model-based fair value for Accord Financial Corp is $0.6992 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $0.6069.
What is the quality score of ACCFF?
Accord Financial Corp has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Accord Financial Corp (ACCFF)?
Our model-based price target is the fair value of $0.6992 (as of Sep 24, 2026) from 3 valuation models. Cautious scenario $0.4646, optimistic scenario $1.02. It is a calculation from audited fundamentals, not an analyst target.
What is the Accord Financial Corp stock forecast for 2026?
Our models put fair value at $0.6992, about +15% upside versus the last price from Sep 25, 2026 of $0.6069 (undervalued). Cautious scenario $0.4646, optimistic scenario $1.02. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Accord Financial Corp (ACCFF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Accord Financial Corp it is $0.6992 per share (as of Sep 24, 2026), against a price of $0.6069. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Accord Financial Corp stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ACCFF trades below its calculated fair value: price $0.6069, fair value $0.6992, a gap of about +15% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ACCFF?
No. The price is what the market pays today ($0.6069); the fair value is what the company's own numbers justify ($0.6992). For Accord Financial Corp the two are $0.0923 per share apart. That gap is exactly why we show both numbers side by side.
How much is Accord Financial Corp worth?
The market values Accord Financial Corp at about $5.2M (market capitalisation, as of Sep 24, 2026). Per share that is $0.6069; our models calculate a fair value of $0.6992 per share.
What do the bullish and bearish scenarios say about ACCFF?
Our models span a range for Accord Financial Corp: cautious scenario $0.4646, base $0.6992, optimistic $1.02 per share (as of Sep 24, 2026, price $0.6069). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Accord Financial Corp (ACCFF)?
Balance-sheet figures for Accord Financial Corp (as of Sep 24, 2026): return on equity −50.0%, debt of 0.91 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is ACCFF from its 52-week high?
Accord Financial Corp trades at $0.6069, about 75% below its 52-week high of $2.42 and at the low of $0.6069 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.6992 is for.
Which stocks are comparable to Accord Financial Corp?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Accord Financial Corp stock attractive at the current price?
The data as of Sep 24, 2026: price $0.6069, calculated fair value $0.6992 (+15%), Quality Score 51/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ACCFF calculated?
We run Accord Financial Corp through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.6992, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Accord Financial Corp currently trades 13 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Accord Financial Corp (ACCFF)?
The latest price we hold is from Sep 25, 2026 and stands at $0.6069. Our model-based fair value is $0.6992, about +15% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Accord Financial Corp right now?
A fairly wide model range ($0.4646 to $1.02) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Accord Financial Corp

How large is the market capitalisation of Accord Financial Corp (ACCFF)?
The market capitalisation of Accord Financial Corp is $5.2M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Accord Financial Corp (ACCFF)?
The price-to-sales ratio of Accord Financial Corp is 0.29 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Accord Financial Corp (ACCFF)?
Earnings per share at Accord Financial Corp are $−2.53. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Accord Financial Corp (ACCFF)?
The net margin of Accord Financial Corp is −48.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Accord Financial Corp (ACCFF)?
The return on equity (ROE) of Accord Financial Corp is −50.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Accord Financial Corp (ACCFF)?
On an EBIT basis the return on assets of Accord Financial Corp is 0.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Accord Financial Corp (ACCFF)?
The operating margin of Accord Financial Corp is −20.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Accord Financial Corp (ACCFF)?
Revenue at Accord Financial Corp is growing +9.3% versus a year earlier (3y avg −2.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Accord Financial Corp (ACCFF)?
Earnings per share at Accord Financial Corp are growing −70.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Accord Financial Corp (ACCFF) generate?
The free cash flow of Accord Financial Corp is C$5.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Accord Financial Corp (ACCFF) carry?
The net debt of Accord Financial Corp is C$285M (fiscal year 2025, ≈ 48.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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