Accord Financial Corp Stock Buy Hold or Sell Recommendation

ACD Stock  CAD 4.92  0.07  1.40%   
Assuming the 90 days trading horizon and your above-average risk tolerance, our recommendation regarding Accord Financial Corp is 'Strong Sell'. Macroaxis provides Accord Financial buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding ACD positions. The advice algorithm takes into account all of Accord Financial's available fundamental, technical, and predictive indicators you will find on this site. Key drivers impacting Accord Financial's buy or sell advice are summarized below:
Real Value
4.13
Hype Value
4.92
Market Value
4.92
Naive Value
5.16
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell Accord Financial Corp given historical horizon and risk tolerance towards Accord Financial. When Macroaxis issues a 'buy' or 'sell' recommendation for Accord Financial Corp, the advice is generated through an automated system that utilizes algorithms and statistical models.
  
Check out Accord Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
In addition, we conduct extensive research on individual companies such as Accord and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Accord Financial Corp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in board of governors.

Execute Accord Financial Buy or Sell Advice

The Accord recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Accord Financial Corp. Macroaxis does not own or have any residual interests in Accord Financial Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Accord Financial's advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell Accord FinancialBuy Accord Financial
Strong Sell

Market Performance

InsignificantDetails

Volatility

Slightly riskyDetails

Hype Condition

StaleDetails

Current Valuation

OvervaluedDetails

Odds Of Distress

Very HighDetails

Economic Sensitivity

Slowly supersedes the marketDetails

Analyst Consensus

Not AvailableDetails

Reporting Quality (M-Score)

InapplicableDetails
For the selected time horizon Accord Financial Corp has a Mean Deviation of 1.86, Semi Deviation of 2.6, Standard Deviation of 2.67, Variance of 7.14, Downside Variance of 10.8 and Semi Variance of 6.76
We provide trade advice to complement the prevailing expert consensus on Accord Financial Corp. Our dynamic recommendation engine uses a multidimensional algorithm to analyze the company's potential to grow using all technical and fundamental data available at the time. To make sure Accord Financial is not overpriced, please confirm all Accord Financial Corp fundamentals, including its operating margin, price to book, cash and equivalents, as well as the relationship between the shares owned by insiders and gross profit .

Accord Financial Trading Alerts and Improvement Suggestions

Accord Financial has a very high chance of going through financial distress in the upcoming years
The company reported the revenue of 41.56 M. Net Loss for the year was (10.71 M) with profit before overhead, payroll, taxes, and interest of 64.55 M.
Accord Financial Corp has accumulated about 14.73 M in cash with (38.7 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 1.72.
Roughly 26.0% of the company shares are held by company insiders
Latest headline from news.google.com: BKM Wealth Management LLC Buys Shares of 182 Broadridge Financial Solutions, Inc. - Defense World

Accord Financial Returns Distribution Density

The distribution of Accord Financial's historical returns is an attempt to chart the uncertainty of Accord Financial's future price movements. The chart of the probability distribution of Accord Financial daily returns describes the distribution of returns around its average expected value. We use Accord Financial Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Accord Financial returns is essential to provide solid investment advice for Accord Financial.
Mean Return
0.11
Value At Risk
-4.94
Potential Upside
3.19
Standard Deviation
2.67
   Return Density   
       Distribution  
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Accord Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

Accord Financial Cash Flow Accounts

201920202021202220232024 (projected)
Change In Cash(9.6M)(1.2M)18.6M(5.9M)(7.3M)(6.9M)
Free Cash Flow(47.7M)23.3M(101.7M)31.3M(39.0M)(37.0M)
Depreciation1.0M1.0M836.3K834.5K717.5K535.7K
Other Non Cash Items1.4M13.7M(438.7K)8.3M2.2M1.5M
Dividends Paid3.1M2.1M1.7M2.6M3.0M2.8M
Capital Expenditures176.4K43.5K83.2K175.2K269.2K486.6K
Net Income5.3M607.8K13.2M1.6M(10.7M)(10.2M)
End Period Cash Flow6.8M5.5M24.1M18.3M10.7M11.2M
Net Borrowings41.0M(19.4M)123.5M(36.2M)(41.6M)(39.5M)
Change To Netincome1.8M2.0M2.1M8.4M9.6M10.1M
Investments(176.4K)(43.5K)(83.2K)(175.2K)(269.2K)(282.7K)

Accord Financial Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Accord Financial or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Accord Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Accord stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over NYSE Composite
0.07
β
Beta against NYSE Composite0.26
σ
Overall volatility
2.73
Ir
Information ratio -0.0079

Accord Financial Volatility Alert

Accord Financial Corp shows above-average downside volatility for the selected time horizon. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Accord Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Accord Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.

Accord Financial Fundamentals Vs Peers

Comparing Accord Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Accord Financial's direct or indirect competition across all of the common fundamentals between Accord Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as Accord Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Accord Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing Accord Financial by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare Accord Financial to competition
FundamentalsAccord FinancialPeer Average
Return On Equity-0.11-0.31
Return On Asset-0.0217-0.14
Profit Margin(0.39) %(1.27) %
Operating Margin2.99 %(5.51) %
Current Valuation369.39 M16.62 B
Shares Outstanding8.56 M571.82 M
Shares Owned By Insiders26.17 %10.09 %
Number Of Shares Shorted254.71 M
Price To Earning43.64 X28.72 X
Price To Book0.46 X9.51 X
Price To Sales1.55 X11.42 X
Revenue41.56 M9.43 B
Gross Profit64.55 M27.38 B
EBITDA32.69 M3.9 B
Net Income(10.71 M)570.98 M
Cash And Equivalents14.73 M2.7 B
Cash Per Share1.72 X5.01 X
Total Debt368.06 M5.32 B
Debt To Equity2.54 %48.70 %
Current Ratio1.52 X2.16 X
Book Value Per Share10.76 X1.93 K
Cash Flow From Operations(38.7 M)971.22 M
Short Ratio0.14 X4.00 X
Earnings Per Share(1.24) X3.12 X
Target Price8.25
Beta1.51-0.15
Market Capitalization42.71 M19.03 B
Total Asset491.76 M29.47 B
Retained Earnings82.16 M9.33 B
Z Score0.618.72
Annual Yield0.06 %
Five Year Return4.14 %
Net Asset491.76 M

Accord Financial Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Accord . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.

About Accord Financial Buy or Sell Advice

When is the right time to buy or sell Accord Financial Corp? Buying financial instruments such as Accord Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
 2021 2022 2023 2024 (projected)
Short and Long Term Debt Total397.9M368.1M423.3M444.4M
Total Assets520.1M491.8M565.5M593.8M

Use Investing Ideas to Build Portfolios

In addition to having Accord Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

Did You Try This Idea?

Run Banks - Regional Thematic Idea Now

Banks - Regional
Banks - Regional Theme
Fama and French investing themes focus on testing asset pricing under different economic assumptions. The Banks - Regional theme has 18 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Banks - Regional Theme or any other thematic opportunities.
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Check out Accord Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool.
Note that the Accord Financial Corp information on this page should be used as a complementary analysis to other Accord Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Idea Breakdown module to analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes.

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When running Accord Financial's price analysis, check to measure Accord Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Accord Financial is operating at the current time. Most of Accord Financial's value examination focuses on studying past and present price action to predict the probability of Accord Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Accord Financial's price. Additionally, you may evaluate how the addition of Accord Financial to your portfolios can decrease your overall portfolio volatility.
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Please note, there is a significant difference between Accord Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Accord Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Accord Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.