Accord Financial (ACD) AI Stock Analysis

• Market Cap: C$13.27M
• Dividend Yield: N/A
• Average Volume (3M): 1.39K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.23
• Revenue Growth: -19.88%
• EPS Growth: 26.76%
• Country: CA
• Employees: 82
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): -2.96
• Shares Outstanding: 8,558,913
• 10 Day Avg. Volume: 610
• 30 Day Avg. Volume: 1,394
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.30
• Price to Sales (P/S): 0.25
• P/FCF Ratio: 2.62
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 40 Underperform
• Price Target: C$1.50 ▼(-14.77% Downside)
• Action: Reiterated Date: 04/08/26
• Date: Action: Reiterated 04/08/26

The score is primarily held down by weak financial performance, led by a large net loss, elevated leverage, and capital erosion. Technical indicators also point to a sustained downtrend (price below key moving averages with negative MACD), with only a modest offset from oversold RSI and recent positive operating/free cash flow.

Positive Factors

Niche asset-based lending model

Accord’s core business—asset-based lending and factoring for SMEs—is structurally durable: secured receivables lending produces fee and interest income and aligns underwriting with collateral. This model supports steady demand for working-capital finance and predictable servicing revenue over the medium term.

Negative Factors

Elevated leverage

A ~5.7x debt-to-equity ratio materially constrains financial flexibility. High leverage increases sensitivity to credit losses and funding stress, limits the ability to grow the loan/factoring book without raising capital, and elevates refinancing and interest-rate risk over the medium term.

Accord Financial Business Overview & Revenue Model

Company Description

Accord Financial Corp., through its subsidiaries, provides asset-based financial services to industrial and commercial enterprises primarily in Canada and the United States. The company is involved in the asset-based lending, which entails financi...

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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. The company is involved in the asset-based lending, which entails financi...

How the Company Makes Money

Accord Financial makes money primarily by earning financing-related income on the capital it advances to clients. Key revenue streams include: (1) interest income and/or finance charges on loans and advances made under its asset-based lending and ...

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Accord Financial makes money primarily by earning financing-related income on the capital it advances to clients. Key revenue streams include: (1) interest income and/or finance charges on loans and advances made under its asset-based lending and ...

Accord Financial Financial Statement Overview

Breakdown	Dec 2025	Mar 2025	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	61.90M	83.06M	79.70M	67.49M	63.48M
Gross Profit	60.92M	30.87M	19.93M	35.11M	48.21M
EBITDA	9.91M	-2.43M	-26.49M	3.48M	15.79M
Net Income	-29.97M	-3.14M	-14.63M	1.43M	11.89M
Balance Sheet
Total Assets	356.70M	413.88M	513.48M	491.76M	520.11M
Cash, Cash Equivalents and Short-Term Investments	6.99M	16.67M	5.91M	11.63M	13.84M
Total Debt	292.38M	313.52M	414.05M	368.06M	397.94M
Total Liabilities	302.87M	327.20M	424.82M	385.15M	416.15M
Stockholders Equity	50.99M	80.83M	83.90M	100.97M	99.97M
Cash Flow
Free Cash Flow	5.88M	60.17M	-51.35M	31.33M	-101.73M
Operating Cash Flow	5.91M	60.56M	-51.12M	31.51M	-101.65M
Investing Cash Flow	-28.00K	60.25M	-236.00K	-175.00K	-83.25K
Financing Cash Flow	-19.86M	-108.17M	43.19M	-37.27M	120.37M

Accord Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.76
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:ACD, the sentiment is Negative. The current price of 1.76 is above the 20-day moving average (MA) of 1.63, below the 50-day MA of 1.78, and below the 200-day MA of 2.64, indicating a bearish trend. The MACD of -0.10 indicates Positive momentum. The RSI at 40.95 is Neutral, neither overbought nor oversold. The STOCH value of 26.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:ACD.

Accord Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PRL	61 Neutral	C$788.79M	11.73	23.69%	3.01%	38.93%	38.14%
WCM.A	55 Neutral	C$29.89M	-27.42	-3.32%	―	-57.07%	-248.66%
ECN	53 Neutral	C$867.74M	21.77	10.01%	1.32%	27.37%	―
GSY	43 Neutral	C$502.95M	-12.17	18.88%	4.48%	13.69%	-16.06%
ACD	40 Underperform	C$13.27M	-0.51	-8.15%	―	-19.88%	26.76%

Accord Financial Corporate Events