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Accord Financial Corp (ACD) Fair Value & Analysis

Financial Services · CA · Market cap C$5.3M

AF Accord Financial Corp ACD · TO
PriceC$0.6000
Fair ValueC$0.1800
Upside-70.0%
Quality93/100
Evidence: Medium Range C$0.1200 – C$0.2200

Fair value as of: Jun 26, 2026

From 13 valuation models · updated 4 days ago

Fair value updated Jun 26, 2026 — revised from C$1.26 to C$0.1800 (−85.7%) since Jun 24, 2026. Share price −13.8% over the past month.

Price vs Fair Value (12 months)

C$4.08 C$0.5357 Fair Value C$0.1800 Jun 2025 Jun 2026

12‑month range C$0.5357 – C$4.08 · fair‑value band C$0.1200 – C$0.2200 · the C$0.6000 price screens above the C$0.1800 fair value. As of Jun 26, 2026.

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Analysis

Accord Financial Corp (ACD) currently trades at C$0.6000, while our model-based Fair Value estimate is C$0.1800 — implying the stock looks roughly 70.0% overvalued today. We read business quality at 93/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

Trailing-twelve-month revenue stands at C$18.1M. Revenue grew 9.3% year over year. It earns a return on equity of -50.0%. Net debt stands at C$285M. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) C$18.1M
Revenue growth (YoY) +9.3%
Net margin -177%
Return on equity -50.0%
Free cash flow C$5.9M FY2025
Operating margin -20.6%
More key figures
EPS (TTM) C$-3.53
EPS growth (YoY) -70.8%
Net debt C$285M FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

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.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Accord Financial Corp reported revenue of C$61.9M in FY2025 versus C$63.5M in FY2021, a compound −0.6%/yr. Reported net income was −C$30.0M in FY2025.

Revenue −0.6%/yr
FY21 C$63.5M
FY22 C$67.5M
FY23 C$79.7M
FY24 C$83.1M
FY25 C$61.9M
Net income
FY21 C$11.9M
FY22 C$1.4M
FY23 −C$14.6M
FY24 −C$3.1M
FY25 −C$30.0M

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Similar stocks

6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

Stock Price Fair Value vs Fair Value
Visa Inc V 5,663 MXN 3,002 MXN -47%
Mastercard Incorporated MA C$29.95 C$17.84 -40%
M4I M4I €430.50 €367.81 -15%
American Express Company AXP C$28.87 C$17.03 -41%
Capital One Financial Corporation COF $183.20 $122.33 -33%
Bajaj Finance Limited BAJFINANCE ₹884.10 ₹604.72 -32%

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Frequently asked questions

Is Accord Financial Corp (ACD) undervalued?
As of Jun 26, 2026, our model estimates a fair value of C$0.1800 versus a price of C$0.6000 — about −70% (overvalued). Model-based estimate, not financial advice.
What is the fair value of ACD?
Our 21-model fair value for Accord Financial Corp is C$0.1800 (as of Jun 26, 2026), built from audited fundamentals. The current price is C$0.6000.
What is the quality score of ACD?
Accord Financial Corp has a Quality Score of 93/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Accord Financial Corp (ACD)?
Accord Financial Corp reported trailing-twelve-month revenue of about C$18.1M (latest available figure, as of Jun 26, 2026).
What is the net profit margin of ACD?
The net profit margin of Accord Financial Corp is about -176.8%, meaning it is currently running at a net loss. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.