Accord Financial Corp
TSX:ACD
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| 52 Week Range |
3.87
5.34
|
| Price Target |
|
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Accord Financial Corp
Income Statement
Earnings Waterfall
Accord Financial Corp
|
Revenue
|
85.7m
CAD
|
|
Operating Expenses
|
-64.3m
CAD
|
|
Operating Income
|
21.4m
CAD
|
|
Other Expenses
|
-30.3m
CAD
|
|
Net Income
|
-8.9m
CAD
|
Income Statement
Accord Financial Corp
| Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||||||||||||||||||||
| Revenue |
30
N/A
|
30
+2%
|
31
+3%
|
31
+0%
|
32
+1%
|
32
0%
|
31
-2%
|
30
-2%
|
29
-5%
|
29
0%
|
28
-1%
|
28
-1%
|
29
+5%
|
31
+8%
|
35
+11%
|
39
+12%
|
44
+12%
|
47
+7%
|
49
+5%
|
53
+6%
|
55
+4%
|
56
+2%
|
56
-1%
|
53
-5%
|
50
-6%
|
49
-3%
|
50
+3%
|
54
+8%
|
58
+7%
|
63
+10%
|
66
+4%
|
67
+2%
|
68
+0%
|
67
0%
|
70
+3%
|
71
+2%
|
74
+4%
|
80
+7%
|
82
+3%
|
84
+2%
|
86
+2%
|
|
| Operating Income | ||||||||||||||||||||||||||||||||||||||||||
| Operating Expenses |
(17)
|
(17)
|
(18)
|
(18)
|
(18)
|
(19)
|
(18)
|
(18)
|
(18)
|
(19)
|
(19)
|
(20)
|
(20)
|
(20)
|
(23)
|
(23)
|
(25)
|
(26)
|
(26)
|
(26)
|
(27)
|
(34)
|
(43)
|
(40)
|
(42)
|
(36)
|
(27)
|
(31)
|
(30)
|
(31)
|
(32)
|
(36)
|
(35)
|
(39)
|
(42)
|
(39)
|
(53)
|
(60)
|
(73)
|
(74)
|
(64)
|
|
| Selling, General & Administrative |
(15)
|
(16)
|
(16)
|
(17)
|
(17)
|
(17)
|
(17)
|
(17)
|
(17)
|
(17)
|
(17)
|
(17)
|
(16)
|
(17)
|
(18)
|
(20)
|
(22)
|
(24)
|
(24)
|
(25)
|
(26)
|
(26)
|
(26)
|
(27)
|
(26)
|
(26)
|
(26)
|
(27)
|
(29)
|
(30)
|
(31)
|
(31)
|
(30)
|
(30)
|
(31)
|
(32)
|
(33)
|
(35)
|
(36)
|
(35)
|
(35)
|
|
| Depreciation & Amortization |
(0)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
|
| Other Operating Expenses |
(1)
|
(1)
|
(1)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(1)
|
(1)
|
(2)
|
(3)
|
(3)
|
(4)
|
(2)
|
(3)
|
(2)
|
(1)
|
(1)
|
(0)
|
(7)
|
(16)
|
(13)
|
(15)
|
(9)
|
0
|
(3)
|
(0)
|
1
|
(0)
|
(4)
|
(5)
|
(8)
|
(11)
|
(6)
|
(19)
|
(24)
|
(36)
|
(38)
|
(29)
|
|
| Operating Income |
13
N/A
|
13
+1%
|
14
+5%
|
13
-2%
|
13
+1%
|
13
-3%
|
12
-4%
|
12
-2%
|
10
-16%
|
9
-8%
|
9
-1%
|
8
-19%
|
9
+23%
|
11
+18%
|
12
+9%
|
16
+34%
|
19
+15%
|
21
+11%
|
24
+15%
|
26
+11%
|
28
+7%
|
22
-22%
|
12
-44%
|
12
+1%
|
7
-40%
|
12
+67%
|
23
+84%
|
23
+1%
|
28
+20%
|
33
+17%
|
34
+5%
|
32
-8%
|
32
+2%
|
29
-11%
|
27
-5%
|
32
+18%
|
21
-35%
|
20
-5%
|
9
-53%
|
10
+3%
|
21
+121%
|
|
| Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
| Interest Income Expense |
(2)
|
(3)
|
(3)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(3)
|
(3)
|
(4)
|
(5)
|
(6)
|
(8)
|
(9)
|
(12)
|
(14)
|
(16)
|
(17)
|
(17)
|
(16)
|
(15)
|
(15)
|
(14)
|
(14)
|
(15)
|
(16)
|
(18)
|
(19)
|
(22)
|
(24)
|
(27)
|
(30)
|
(33)
|
(35)
|
(37)
|
(38)
|
(38)
|
|
| Non-Reccuring Items |
(0)
|
(0)
|
0
|
0
|
0
|
(0)
|
0
|
0
|
(0)
|
(0)
|
0
|
0
|
(0)
|
(1)
|
(1)
|
(1)
|
(1)
|
0
|
0
|
0
|
1
|
2
|
1
|
1
|
1
|
(2)
|
(1)
|
(1)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
(2)
|
0
|
(2)
|
(2)
|
(12)
|
0
|
0
|
0
|
|
| Pre-Tax Income |
10
N/A
|
10
0%
|
11
+8%
|
11
-1%
|
11
+2%
|
11
-3%
|
10
-4%
|
10
-2%
|
8
-19%
|
7
-12%
|
7
-2%
|
5
-28%
|
6
+22%
|
7
+8%
|
7
N/A
|
9
+41%
|
10
+8%
|
11
+12%
|
12
+5%
|
12
+3%
|
13
+8%
|
7
-47%
|
(4)
N/A
|
(3)
+23%
|
(7)
-138%
|
(4)
+44%
|
8
N/A
|
8
+3%
|
11
+41%
|
15
+33%
|
16
+5%
|
11
-29%
|
10
-11%
|
3
-73%
|
0
-85%
|
1
+51%
|
(14)
N/A
|
(27)
-99%
|
(28)
-3%
|
(29)
-3%
|
(17)
+41%
|
|
| Net Income | ||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(2)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
0
|
(0)
|
(0)
|
(0)
|
(1)
|
(1)
|
(0)
|
(1)
|
(1)
|
(2)
|
(2)
|
2
|
3
|
5
|
5
|
2
|
0
|
(1)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
0
|
(1)
|
2
|
12
|
11
|
11
|
7
|
|
| Income from Continuing Operations |
7
|
7
|
8
|
8
|
8
|
9
|
9
|
8
|
7
|
7
|
6
|
5
|
6
|
6
|
7
|
9
|
10
|
11
|
11
|
11
|
11
|
5
|
(2)
|
0
|
(2)
|
1
|
10
|
8
|
11
|
13
|
14
|
10
|
9
|
2
|
0
|
(0)
|
(11)
|
(15)
|
(17)
|
(18)
|
(9)
|
|
| Income to Minority Interest |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(0)
|
(0)
|
(1)
|
(1)
|
(1)
|
(1)
|
(0)
|
(0)
|
0
|
1
|
1
|
1
|
0
|
(0)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(0)
|
(0)
|
0
|
0
|
1
|
1
|
1
|
1
|
|
| Net Income (Common) |
7
N/A
|
7
-4%
|
8
+13%
|
8
+3%
|
8
+4%
|
9
+5%
|
9
-3%
|
8
-1%
|
7
-15%
|
7
-8%
|
6
-4%
|
5
-20%
|
6
+14%
|
6
+4%
|
6
0%
|
8
+33%
|
9
+8%
|
10
+20%
|
11
+4%
|
11
-1%
|
11
+6%
|
6
-43%
|
(1)
N/A
|
1
N/A
|
(2)
N/A
|
0
N/A
|
9
+2 012%
|
8
-14%
|
10
+27%
|
12
+23%
|
12
+5%
|
9
-24%
|
9
-9%
|
1
-83%
|
0
-78%
|
(0)
N/A
|
(11)
-15 200%
|
(15)
-37%
|
(16)
-9%
|
(17)
-6%
|
(9)
+48%
|
|
| EPS (Diluted) |
0.86
N/A
|
0.83
-3%
|
0.94
+13%
|
0.97
+3%
|
1.01
+4%
|
1.05
+4%
|
1.03
-2%
|
1.02
-1%
|
0.87
-15%
|
0.79
-9%
|
0.77
-3%
|
0.61
-21%
|
0.7
+15%
|
0.72
+3%
|
0.72
N/A
|
0.96
+33%
|
1.03
+7%
|
1.24
+20%
|
1.28
+3%
|
1.26
-2%
|
1.33
+6%
|
0.76
-43%
|
-0.13
N/A
|
0.12
N/A
|
-0.19
N/A
|
0.05
N/A
|
1.04
+1 980%
|
0.89
-14%
|
1.13
+27%
|
1.39
+23%
|
1.46
+5%
|
1.11
-24%
|
1.01
-9%
|
0.17
-83%
|
0.02
-88%
|
-0.02
N/A
|
-1.26
-6 200%
|
-1.71
-36%
|
-1.87
-9%
|
-1.98
-6%
|
-1.04
+47%
|
|
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