Accord Financial Corp. (ACD) - Net Assets

Latest as of September 2025: CA$81.74 Million CAD ≈ $59.13 Million USD

Based on the latest financial reports, Accord Financial Corp. (ACD) has net assets worth CA$81.74 Million CAD (≈ $59.13 Million USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (CA$436.47 Million ≈ $315.74 Million USD) and total liabilities (CA$354.73 Million ≈ $256.60 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check financial resilience of Accord Financial Corp. to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric Value
Current Net Assets CA$81.74 Million
% of Total Assets 18.73%
Annual Growth Rate 5.13%
5-Year Change -7.55%
10-Year Change 18.63%
Growth Volatility 10.51

Accord Financial Corp. - Net Assets Trend (1995–2024)

This chart illustrates how Accord Financial Corp.'s net assets have evolved over time, based on quarterly financial data. Also explore Accord Financial Corp. (ACD) total assets for the complete picture of this company's asset base.

Annual Net Assets for Accord Financial Corp. (1995–2024)

The table below shows the annual net assets of Accord Financial Corp. from 1995 to 2024. For live valuation and market cap data, see Accord Financial Corp. (ACD) market capitalisation.

Year Net Assets Change
2024-12-31 CA$86.68 Million
≈ $62.70 Million		 -2.24%
2023-12-31 CA$88.66 Million
≈ $64.14 Million		 -16.84%
2022-12-31 CA$106.61 Million
≈ $77.12 Million		 +2.55%
2021-12-31 CA$103.96 Million
≈ $75.20 Million		 +10.88%
2020-12-31 CA$93.76 Million
≈ $67.82 Million		 -2.71%
2019-12-31 CA$96.37 Million
≈ $69.71 Million		 +1.24%
2018-12-31 CA$95.18 Million
≈ $68.86 Million		 +18.78%
2017-12-31 CA$80.13 Million
≈ $57.97 Million		 +5.88%
2016-12-31 CA$75.68 Million
≈ $54.75 Million		 +3.58%
2015-12-31 CA$73.07 Million
≈ $52.85 Million		 +19.13%
2014-12-31 CA$61.33 Million
≈ $44.37 Million		 +14.79%
2013-12-31 CA$53.43 Million
≈ $38.65 Million		 +12.73%
2012-12-31 CA$47.40 Million
≈ $34.29 Million		 -0.96%
2011-12-31 CA$47.86 Million
≈ $34.62 Million		 +7.40%
2010-12-31 CA$44.56 Million
≈ $32.23 Million		 +2.78%
2009-12-31 CA$43.36 Million
≈ $31.36 Million		 -10.01%
2008-12-31 CA$48.18 Million
≈ $34.85 Million		 +22.92%
2007-12-31 CA$39.20 Million
≈ $28.35 Million		 -1.31%
2006-12-31 CA$39.72 Million
≈ $28.73 Million		 +2.99%
2005-12-31 CA$38.56 Million
≈ $27.90 Million		 +10.21%
2004-12-31 CA$34.99 Million
≈ $25.31 Million		 -21.89%
2003-12-31 CA$44.80 Million
≈ $32.41 Million		 -1.81%
2002-12-31 CA$45.63 Million
≈ $33.01 Million		 +7.09%
2001-12-31 CA$42.61 Million
≈ $30.82 Million		 +8.73%
2000-12-31 CA$39.19 Million
≈ $28.35 Million		 +24.01%
1999-12-31 CA$31.60 Million
≈ $22.86 Million		 +13.67%
1998-12-31 CA$27.80 Million
≈ $20.11 Million		 +12.55%
1997-12-31 CA$24.70 Million
≈ $17.87 Million		 +13.82%
1996-12-31 CA$21.70 Million
≈ $15.70 Million		 +6.90%
1995-12-31 CA$20.30 Million
≈ $14.68 Million		 --

Equity Component Analysis

This analysis shows how different components contribute to Accord Financial Corp.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 362.7% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2024)

Component Amount Percentage
Retained Earnings CA$62.47 Million 77.29%
Common Stock CA$9.45 Million 11.69%
Other Comprehensive Income CA$7.07 Million 8.74%
Other Components CA$1.84 Million 2.28%
Total Equity CA$80.83 Million 100.00%

Accord Financial Corp. Competitors by Market Cap

The table below lists competitors of Accord Financial Corp. ranked by their market capitalization.

Company Market Cap
Bluelinea SA
PA:ALBLU
 $9.16 Million
AMD Industries Limited
NSE:AMDIND
 $9.17 Million
Norwest Minerals Ltd
AU:NWM
 $9.18 Million
Magna Polonia SA
WAR:06N
 $9.19 Million
NextPoint Capital SOCIMI S.A.
MC:YNPC
 $9.15 Million
Lithium Universe Ltd
AU:LU7
 $9.15 Million
Wishpond Technologies Ltd
V:WISH
 $9.14 Million
Royal Hali Iplik Tekstil Mobilya Sanayi ve Ticaret AS
IS:ROYAL
 $9.14 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Accord Financial Corp.'s equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2023 to 2024, total equity changed from 83,904,000 to 80,827,000, a change of -3,077,000 (-3.7%).
  • Net loss of 3,139,000 reduced equity.
  • Other comprehensive income decreased equity by 8,000.

Equity Change Factors (2023 to 2024)

Factor Impact Contribution
Net Income CA$-3.14 Million -3.88%
Other Comprehensive Income CA$-8.00K -0.01%
Other Changes CA$70.00K +0.09%
Total Change CA$- -3.67%

Book Value vs Market Value Analysis

This analysis compares Accord Financial Corp.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 0.16x
  • The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
  • The price-to-book ratio has decreased from 0.84x to 0.16x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
1995-12-31 CA$1.77 CA$1.48 x
1996-12-31 CA$2.12 CA$1.48 x
1997-12-31 CA$2.52 CA$1.48 x
1998-12-31 CA$2.95 CA$1.48 x
1999-12-31 CA$3.26 CA$1.48 x
2000-12-31 CA$4.01 CA$1.48 x
2001-12-31 CA$4.38 CA$1.48 x
2002-12-31 CA$4.81 CA$1.48 x
2003-12-31 CA$4.68 CA$1.48 x
2004-12-31 CA$3.50 CA$1.48 x
2005-12-31 CA$3.82 CA$1.48 x
2006-12-31 CA$4.00 CA$1.48 x
2007-12-31 CA$4.09 CA$1.48 x
2008-12-31 CA$5.06 CA$1.48 x
2009-12-31 CA$4.60 CA$1.48 x
2010-12-31 CA$4.75 CA$1.48 x
2011-12-31 CA$5.38 CA$1.48 x
2012-12-31 CA$5.64 CA$1.48 x
2013-12-31 CA$6.50 CA$1.48 x
2014-12-31 CA$7.39 CA$1.48 x
2015-12-31 CA$8.79 CA$1.48 x
2016-12-31 CA$9.11 CA$1.48 x
2017-12-31 CA$9.18 CA$1.48 x
2018-12-31 CA$10.78 CA$1.48 x
2019-12-31 CA$10.93 CA$1.48 x
2020-12-31 CA$10.50 CA$1.48 x
2021-12-31 CA$11.68 CA$1.48 x
2022-12-31 CA$11.80 CA$1.48 x
2023-12-31 CA$9.80 CA$1.48 x
2024-12-31 CA$9.44 CA$1.48 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Accord Financial Corp. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): -3.88%
  • The company may be facing challenges in efficiently utilizing shareholder equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: -3.78%
  • • Asset Turnover: 0.20x
  • • Equity Multiplier: 5.12x
  • Recent ROE (-3.88%) is below the historical average (11.58%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
1995 23.20% 22.46% 0.58x 1.80x CA$2.39 Million
1996 19.82% 22.28% 0.54x 1.65x CA$2.13 Million
1997 18.22% 23.56% 0.60x 1.30x CA$2.03 Million
1998 17.27% 24.24% 0.45x 1.59x CA$2.02 Million
1999 19.62% 25.41% 0.39x 1.97x CA$3.04 Million
2000 18.96% 26.05% 0.36x 2.04x CA$3.51 Million
2001 6.85% 10.96% 0.39x 1.59x CA$-1.34 Million
2002 10.19% 18.25% 0.35x 1.58x CA$86.20K
2003 13.03% 22.95% 0.34x 1.68x CA$1.36 Million
2004 21.79% 27.81% 0.37x 2.12x CA$4.12 Million
2005 16.10% 23.68% 0.29x 2.34x CA$2.35 Million
2006 17.92% 24.66% 0.34x 2.13x CA$3.15 Million
2007 16.04% 22.18% 0.26x 2.73x CA$2.37 Million
2008 10.46% 17.97% 0.27x 2.15x CA$223.24K
2009 7.12% 12.84% 0.25x 2.26x CA$-1.25 Million
2010 18.49% 26.25% 0.28x 2.54x CA$3.79 Million
2011 15.85% 26.70% 0.29x 2.06x CA$2.80 Million
2012 13.45% 26.59% 0.19x 2.63x CA$1.64 Million
2013 12.24% 25.08% 0.22x 2.26x CA$1.19 Million
2014 11.22% 24.82% 0.18x 2.52x CA$746.09K
2015 11.99% 29.87% 0.19x 2.12x CA$1.45 Million
2016 8.68% 25.02% 0.17x 2.10x CA$-1.00 Million
2017 7.86% 21.81% 0.11x 3.28x CA$-1.63 Million
2018 11.53% 27.60% 0.10x 4.16x CA$1.37 Million
2019 6.97% 11.47% 0.14x 4.39x CA$-2.81 Million
2020 0.46% 0.86% 0.13x 4.28x CA$-8.57 Million
2021 11.89% 18.73% 0.12x 5.20x CA$1.89 Million
2022 1.41% 2.11% 0.14x 4.87x CA$-8.67 Million
2023 -17.43% -18.35% 0.16x 6.12x CA$-23.02 Million
2024 -3.88% -3.78% 0.20x 5.12x CA$-11.22 Million

Industry Comparison

This section compares Accord Financial Corp.'s net assets metrics with peer companies in the Credit Services industry.

Industry Context

  • Industry: Credit Services
  • Average net assets among peers: $53,823,690
  • Average return on equity (ROE) among peers: 6.91%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Accord Financial Corp. (ACD) CA$81.74 Million 23.20% 4.34x $9.16 Million
Crown Capital Partners Inc (CRWN) $129.19 Million 1.57% 0.01x $2.59 Million
goeasy Ltd (GSY) $5.30 Million 7.55% 0.42x $377.24 Million
Mint Corp (MIT) $-837.17K 0.00% 0.00x $5.12 Million
Propel Holdings Inc (PRL) $81.64 Million 18.53% 2.14x $609.51 Million

About Accord Financial Corp.

TO:ACD Canada Credit Services
Market Cap
$9.16 Million
CA$12.67 Million CAD
Market Cap Rank
#27095 Global
#1161 in Canada
Share Price
CA$1.48
Change (1 day)
+12.98%
52-Week Range
CA$1.28 - CA$3.81
All Time High
CA$8.98
Categories
Companies in Canada Credit Services Banking & Financial
About

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 involved in the 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; and provision of lease and equipme… Read more