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    Financial - Credit Services
Accord Financial Corp.

Accord Financial Corp.

ACCFF
Accord Financial Corp.US flagOther OTC
0.61
USD
- -
- -
5.19MMarket Cap
Accord Financial Corp.
ACCFF
(Other OTC)

Recent

price

0.61

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.35
2.96
2.85
2.94
3.34
3.53
3.16
3.32
4.5
4.62
3.96
5.56
5.07
5.19
5.5
3.35
2.8
Revenue per Share
0.88
0.85
0.76
0.8
0.83
1.05
0.79
0.72
1.24
0.76
0.05
1.39
0.17
-1.71
-0.37
-3.5
-3.61
Basic EPS, GAAP
-0.26
2.13
-1.7
1.02
-0.81
3.12
-0.44
-9.11
-11.39
-5.64
2.73
-11.89
3.66
-6
7.03
0.69
9.74
Free Cash Flow per Basic Share
0.28
0.3
0.31
0.32
0.33
0.35
0.36
0.36
0.36
0.36
0.24
0.2
0.3
0.23
- -
- -
- -
Dividend per Share
4.23
5.49
5.86
6.46
7
7.7
8.13
8.49
9.57
9.98
9.65
10.84
10.7
8.77
8.4
4.9
4.35
Book Value per Share
4.64
5.27
5.53
6.37
6.78
8.23
8.6
7.56
9.25
9.37
9.03
10.25
10.67
10.01
10.13
6.29
5.25
Tangible Book Value per Share
9
9
8
8
8
8
8
8
8
8
9
9
9
9
9
9
9
Basic Weighted Avg Shares
31
26
24
24
28
29
26
28
38
39
34
48
43
44
47
29
25
Sales/Revenue/Turnover
48.54
52.48
41.81
40.42
37.32
36.66
27.39
26.02
30.07
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
1
1
1
1
1
1
1
1
1
1
1
- -
- -
Depreciation Expense
8
8
6
7
7
9
7
6
10
6
- -
12
1
-15
-3
-30
-32
Net Income, GAAP
32.85
33.03
36.4
33.05
32.72
18.13
8.09
5.92
0.92
22.82
- -
11.55
37.83
- -
- -
- -
- -
Effective Tax Rate (%)
26.25
28.77
26.59
27.06
24.82
29.87
25.02
21.81
27.6
16.49
1.23
24.98
3.29
-32.93
-6.67
-104.4
-129.07
Profit Margin (%)
-13
-15
45
51
55
68
71
61
104
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
45
15
14
15
17
13
11
16
34
43
42
26
37
65
70
48
41
LT Debt
45
48
47
53
61
73
76
80
95
96
94
104
107
89
87
54
47
Total Equity
10.77
9.69
6.13
5.68
5.43
6.18
4.53
3.51
3.77
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
10.21
9.68
7.27
6.81
6.86
7.85
6.35
5.1
6.53
2.06
- -
2.47
0.25
- -
- -
- -
- -
Return on Capital (%)
19.75
17.14
13.01
12.78
12.37
14.35
9.99
8.7
13.79
7.85
0.5
13.56
1.55
-17.55
-4.27
-52.64
-58.84
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
294
244
89
LT Borrowings
50
46
39
LT Finance Leases
2
2
2
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
9
9
9
Market Capitalization
30
14
16

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7
7
21
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
1
1
1
ST Debt
294
244
89
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-1.68%
-8.71%
-37.9%
Free Cash Flow
44.37%
-247.64%
-90.22%
Net Income, GAAP
222.39%
463.29%
854.73%
Sales/Revenue/Turnover
2.24%
0.17%
-38.99%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
11
11
12
14
47
2025
6
8
7
5
29
2026
4
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.07
-0.13
-0.09
- -
-0.37
2025
-0.16
-0.1
-0.28
- -
-3.5
2026
-0.38
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Accord Financial Corp. (TSX: ACD; OTC: ACCFF) provides asset-based financial services to industrial and commercial enterprises primarily in Canada and the United States. The company offers a broad range of financing solutions including asset-based lending; accounts receivable financing and factoring; lender financing; retail inventory financing; Canadian equipment financing; small business loans; and media financing for film and media production. It serves customers across manufacturing, retail, services, wholesale, import and export, lending, apparel and textile, food and beverage, and construction sectors from offices in Toronto (headquarters), Montreal, North Vancouver, Chicago, Greenville, South Carolina, and other locations. Founded in 1978, Accord Financial operates as an independent commercial finance company focused on small and medium-sized businesses seeking flexible working capital alternatives to traditional bank lending. In September 2024, the company completed the sale of its US equipment leasing division, Accord Equipment Finance, including its portfolio assets for gross proceeds of $63.2 million (US$46.8 million) to a major US factor expanding into equipment leasing, with net proceeds applied to reduce its primary banking facility and supporting a strategic refocus on core receivables finance and Canadian small business lending. More recently in August 2025, Accord amended its senior secured revolving credit facility, extending maturity to December 15, 2025, while reducing the commitment from $260 million to $200 million, increasing interest rates on drawn amounts, and incorporating asset sale milestones amid ongoing strategic initiatives to address maturing debt obligations and maximize shareholder value.

Company News

APIChatGPT

  • businesswire.com

    Accord Announces First Quarter Financial Results and Amendment to its Banking Facility and Board Change

  • businesswire.com

    Accord Financial Announces Fourth Quarter and Fiscal 2025 Financial Results and Amendment to its Banking Facility

  • businesswire.com

    Accord Financial Closes Sale of US Portfolio Assets

  • businesswire.com

    Accord Announces Second Quarter Financial Results

  • businesswire.com

    Accord Announces First Quarter Financial Results

  • businesswire.com

    Accord Financial Announces Fourth Quarter and Fiscal 2024 Financial Results

  • businesswire.com

    Accord Announces Third Quarter Financial Results

  • businesswire.com

    Accord Financial Closes $63.2 Million Sale of US Leasing Portfolio Assets

  • businesswire.com

    Accord Announces Third Quarter Financial Results

  • proactiveinvestors.com

    Valeo Pharma secures $5M credit facility agreement with Accord Financial

  • businesswire.com

    Accord Financial Confirms Amendments to Convertible Debentures