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Accord Financial Corp.

Financial Statements (IFRS) · Amounts in CAD
5 10 All
Income Statement
Balance Sheet
Cash Flow
Line Item Q3 2025Sep 30, 2025 Q2 2025Jun 30, 2025 Q1 2025Mar 31, 2025 Q4 2024Dec 31, 2024 Q3 2024Sep 30, 2024
Total Revenue 7.2M 8.3M 8.1M 13.5M 12.2M
Operating Revenue 7.2M 8.3M 8.1M 13.5M 12.2M
Selling General And Administration 7.0M 6.7M 7.5M 7.8M 7.9M
General And Administrative Expense 7.0M 6.7M 7.5M 7.8M 7.9M
Depreciation And Amortization In Income Statement 127,000 119,000 122,000 116,000 188,000
Interest Expense 8.5M 7.9M 7.5M 7.7M 9.0M
Interest Income 14.2M 13.3M 12.7M 14.9M 16.9M
Net Interest Income 5.7M 5.4M 5.3M 7.2M 8.0M
Pretax Income -2.3M -363,000 -2.2M -2.1M -510,000
Tax Provision 343,000 459,000 -691,000 -1.1M 99,000
Tax Effect Of Unusual Items 0.00 0.00 0.00 0.00 0.00
Net Income From Continuing And Discontinued Operation -2.4M -876,000 -1.3M -1.8M -772,000
Net Income From Continuing Operation Net Minority Interest -2.4M -876,000 -1.3M -1.8M -772,000
Net Income Including Noncontrolling Interests -2.6M -822,000 -1.5M -934,000 -609,000
Minority Interests 225,000 -54,000 138,000 -915,000 -163,000
Net Income Common Stockholders -2.4M -876,000 -1.3M -1.8M -772,000
Net Income -2.4M -876,000 -1.3M -1.8M -772,000
Reconciled Depreciation 127,000 119,000 122,000 116,000 188,000
Basic EPS -0.28 -0.10 -0.16 -- -0.09
Diluted EPS -0.28 -0.10 -0.16 -- -0.09
Basic Average Shares 8.6M 8.8M 8.4M -- 8.6M
Diluted Average Shares 8.6M 8.8M 8.4M -- 8.6M
Tax Rate For Calcs 0.15 0.15 0.32 0.15 0.15
Normalized Income -2.4M -876,000 -1.3M -1.8M -772,000
Amortization 0.00 0.00 0.00 0.00 35,000
Amortization Of Intangibles Income Statement 0.00 0.00 0.00 0.00 35,000
Depreciation Amortization Depletion Income Statement 127,000 119,000 122,000 116,000 188,000
Depreciation Income Statement 127,000 119,000 122,000 116,000 153,000
Diluted NI Availto Com Stockholders -2.4M -876,000 -1.3M -1.8M -772,000
Net Income Continuous Operations -2.6M -822,000 -1.5M -934,000 -609,000
Other Gand A 7.0M 6.7M 7.5M 7.8M 7.9M
Line Item Q3 2025Sep 30, 2025 Q2 2025Jun 30, 2025 Q1 2025Mar 31, 2025 Q4 2024Dec 31, 2024 Q3 2024Sep 30, 2024
Cash And Cash Equivalents 6.6M 7.5M 9.5M 16.7M 8.9M
Cash Financial 6.6M 7.5M 9.5M 16.7M 8.9M
Receivables 1.1M 2.0M 3.5M 14.6M 5.0M
Prepaid Assets -- -- -- 2.7M --
Gross PPE -- -- -- 4.7M --
Accumulated Depreciation -- -- -- -2.1M --
Net PPE 2.2M 2.3M 2.5M 2.6M 2.6M
Goodwill And Other Intangible Assets -- -- -- 0.00 0.00
Total Assets 436.5M 429.1M 430.4M 413.9M 420.1M
Current Debt 294.4M 278.0M 274.6M 243.9M 284.4M
Current Debt And Capital Lease Obligation 294.4M 278.0M 274.6M 243.9M 284.4M
Payables 955,000 595,000 7,000 0.00 2.2M
Payables And Accrued Expenses 955,000 595,000 7,000 0.00 2.2M
Long Term Debt 50.0M 53.6M 60.9M 67.5M 30.4M
Long Term Debt And Capital Lease Obligation 51.9M 55.5M 63.0M 69.6M 32.6M
Long Term Capital Lease Obligation 1.9M 1.9M 2.1M 2.1M 2.3M
Total Liabilities Net Minority Interest 354.7M 345.1M 345.2M 327.2M 332.6M
Common Stock 9.4M 9.4M 9.4M 9.4M 9.4M
Capital Stock 9.4M 9.4M 9.4M 9.4M 9.4M
Additional Paid In Capital 1.9M 1.9M 1.9M 1.8M 1.8M
Retained Earnings 57.8M 60.2M 61.1M 62.5M 64.3M
Gains Losses Not Affecting Retained Earnings 7.2M 7.1M 7.1M 7.1M 7.3M
Other Equity Adjustments 7.2M 7.1M 7.1M 7.1M 7.3M
Common Stock Equity 76.4M 78.6M 79.5M 80.8M 82.9M
Stockholders Equity 76.4M 78.6M 79.5M 80.8M 82.9M
Total Equity Gross Minority Interest 81.7M 84.1M 85.2M 86.7M 87.6M
Minority Interest 5.4M 5.5M 5.7M 5.9M 4.6M
Total Capitalization 126.4M 132.2M 140.4M 148.3M 113.3M
Net Tangible Assets 76.4M 78.6M 79.5M 80.8M 82.9M
Tangible Book Value 76.4M 78.6M 79.5M 80.8M 82.9M
Invested Capital 420.8M 410.2M 415.0M 392.2M 397.7M
Total Debt 346.3M 333.5M 337.6M 313.5M 317.0M
Net Debt 337.8M 324.0M 326.0M 294.7M 305.9M
Share Issued 8.6M 8.6M 8.6M 8.6M 8.6M
Ordinary Shares Number 8.6M 8.6M 8.6M 8.6M 8.6M
Capital Lease Obligations 1.9M 1.9M 2.1M 2.1M 2.3M
Cash Cash Equivalents And Federal Funds Sold 6.6M 7.5M 9.5M 16.7M 15.0M
Current Notes Payable 20.7M 20.6M 20.5M 20.2M 19.7M
Income Tax Payable 955,000 595,000 7,000 0.00 2.2M
Line Of Credit 273.7M 257.3M 254.1M 223.7M 264.7M
Non Current Deferred Liabilities 1.1M 1.3M 1.2M 1.3M 1.8M
Non Current Deferred Revenue 1.1M 1.3M 1.2M 1.3M 1.8M
Other Receivables 1.1M 2.0M 3.5M 14.6M 5.0M
Total Tax Payable 955,000 595,000 7,000 0.00 2.2M
Line Item Q3 2025Sep 30, 2025 Q2 2025Jun 30, 2025 Q1 2025Mar 31, 2025 Q4 2024Dec 31, 2024 Q3 2024Sep 30, 2024
Operating Cash Flow -7.8M -9.3M -30.1M 15.3M -26,000
Cash Flow From Continuing Operating Activities -7.8M -9.3M -30.1M 15.3M -26,000
Depreciation And Amortization 127,000 119,000 122,000 116,000 188,000
Depreciation Amortization Depletion 127,000 119,000 122,000 116,000 188,000
Stock Based Compensation 28,000 21,000 29,000 24,000 63,000
Deferred Tax 343,000 459,000 -691,000 -1.1M 99,000
Deferred Income Tax 343,000 459,000 -691,000 -1.1M 99,000
Change In Working Capital -9.0M -10.9M -30.7M 9.4M -4.3M
Changes In Account Receivables -8.6M -16.3M -29.8M 14.0M -13.5M
Change In Receivables -8.6M -16.3M -29.8M 14.0M -13.5M
Change In Payables And Accrued Expense -2.5M 3.4M -5.1M -988,000 5.5M
Change In Payable -2.5M 3.4M -5.1M -988,000 5.5M
Change In Other Working Capital -59,000 65,000 -33,000 60,000 0.00
Change In Other Current Assets 2.2M 1.9M 4.2M -3.7M 3.7M
Other Non Cash Items 7,000 -4,000 -4,000 92,000 13,000
Capital Expenditure -12,000 -- -- -155,000 -185,000
Purchase Of PPE -12,000 -2,000 0.00 -155,000 -185,000
Net PPE Purchase And Sale -12,000 -2,000 0.00 60.5M -185,000
Investing Cash Flow -12,000 -2,000 0.00 354,000 60.0M
Cash Flow From Continuing Investing Activities -12,000 -2,000 0.00 354,000 60.0M
Issuance Of Debt 41.4M 5.3M 5.8M 30.0M 3.8M
Repayment Of Debt -4.7M -6.6M -7.3M 98.3M -124.4M
Net Issuance Payments Of Debt 9.4M 1.5M 23.0M -7.7M -61.5M
Common Stock Dividend Paid -- -- -- -- --
Financing Cash Flow 9.4M 1.5M 23.0M -7.7M -61.5M
Cash Flow From Continuing Financing Activities 9.4M 1.5M 23.0M -7.7M -61.5M
Effect Of Exchange Rate Changes -2.5M 5.8M -8,000 -6.2M 601,000
Changes In Cash 1.6M -7.8M -7.2M 7.9M -1.6M
Beginning Cash Position 7.5M 9.5M 16.7M 15.0M 16.0M
End Cash Position 6.6M 7.5M 9.5M 16.7M 15.0M
Free Cash Flow -7.8M -9.3M -30.1M 15.1M -211,000
Interest Paid Supplemental Data 11.1M 3.0M 6.1M 6.0M 7.7M
Amortization Cash Flow 0.00 0.00 0.00 0.00 35,000
Amortization Of Intangibles 0.00 0.00 0.00 0.00 35,000
Cash Dividends Paid -- -- -- 0.00 0.00
Change In Account Payable -2.5M 3.4M -5.1M -988,000 5.5M
Depreciation 127,000 119,000 122,000 116,000 153,000
Gain Loss On Sale Of PPE 0.00 0.00 0.00 -1,000 -1.1M
Long Term Debt Issuance 41.4M 5.3M 5.8M 30.0M 3.8M
Long Term Debt Payments -4.7M -6.6M -7.3M 98.3M -124.4M
Net Income From Continuing Operations -2.6M -822,000 -1.5M -934,000 -610,000
Net Long Term Debt Issuance 36.7M -1.3M -1.6M 128.3M -120.5M
Net Short Term Debt Issuance -- 2.8M 24.5M -- --
Operating Gains Losses -- -- -- -1,000 -1.1M
Taxes Refund Paid 879,000 -33,000 0.00 -8,000 950,000
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