ACD:CA:TSX-Accord Financial Corp. (CAD)

EQUITY | Credit Services | Toronto Stock Exchange

Last Closing

CAD 4.72

Change

-0.05 (-1.05)%

Market Cap

CAD 0.08B

Volume

1.50K

Analyst Target

N/A
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

Accord Financial Corp through its subsidiaries, is a provider of asset-based financial services to businesses, including factoring, financing, credit investigation and guarantees and collection services as well as supply chain financing for importers.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

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Relative Returns (From:    To: 2024-04-18 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap
GSY:CA goeasy Ltd

+2.99 (+1.67%)

CAD 2.88B
PRL:CA Propel Holdings Inc

+0.96 (+4.30%)

CAD 0.79B
CHW:CA Chesswood Group Limited

-0.10 (-1.32%)

CAD 0.14B
CRWN:CA Crown Capital Partners Inc

N/A

CAD 0.03B
AXIS:CA Axis Auto Finance Inc

+0.01 (+9.09%)

CAD 6.67M

ETFs Containing ACD:CA

N/A

Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange (Toronto Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 2.39% 50% F 47% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 2.39% 50% F 44% F
Trailing 12 Months  
Capital Gain -31.09% 50% F 8% B-
Dividend Return 1.09% 33% F 18% F
Total Return -30.00% 50% F 8% B-
Trailing 5 Years  
Capital Gain -53.13% 33% F 11% F
Dividend Return 10.63% 50% F 57% F
Total Return -42.50% 50% F 13% F
Average Annual (5 Year Horizon)  
Capital Gain -6.54% 17% F 11% F
Dividend Return -3.77% 17% F 15% F
Total Return 2.77% 75% C 68% D+
Risk Return Profile  
Volatility (Standard Deviation) 30.86% 100% F 30% F
Risk Adjusted Return -12.23% 17% F 26% F
Market Capitalization 0.08B 50% F 23% F

Key Financial Ratios

  Ratio vs. Industry/Classification (Credit Services) Ratio vs. Market (Toronto Stock Exchange)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 10.20 50% 40%
Price/Book Ratio 0.49 83% 89%
Price / Cash Flow Ratio -0.80 67% 74%
Price/Free Cash Flow Ratio 24.50 50% 10%
Management Effectiveness  
Return on Equity -15.77% 67% 18%
Return on Invested Capital N/A N/A N/A
Return on Assets -3.06% 33% 20%
Debt to Equity Ratio 48.13% 100% 54%

Annual Financials (CAD)

Quarterly Financials (CAD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector