Accord Financial (TSX:ACD) Debt-to-Asset : 0.67 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

TSX:ACD Accord Financial Corp TSX:ACD
36 GF Score
Price C$0.96
GF Value C$1.71
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is Accord Financial Debt-to-Asset?

Accord Financial TSX:ACD 36 Debt-to-Asset is 0.67 as of Jun. 2026. GuruFocus rates TSX:ACD with a GF Score™ of 36/100 and a GF Value™ of C$1.71 (Significantly Undervalued). The stock has 2 warning signs investors should review.

Accord Financial's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was C$73.23 Mil. Accord Financial's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was C$37.56 Mil. Accord Financial's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was C$165.42 Mil. Accord Financial's debt to asset for the quarter that ended in Jun. 2026 was 0.67.

Accord Financial  (TSX:ACD) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Accord Financial Debt-to-Asset Related Terms

Accord Financial Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Accord Financial's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Accord Financial Debt-to-Asset Chart

Accord Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.77 0.75 0.81 0.76 0.82

Accord Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.78 0.79 0.82 0.70 0.67

TSX:ACD vs V, MA, AXP: Debt-to-Asset Comparison

For the Credit Services subindustry, Accord Financial's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Accord Financial Debt-to-Asset vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Accord Financial's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Accord Financial's Debt-to-Asset falls into.


TSX:ACD
36GF Score
Accord Financial Corp TSX:ACD
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Accord Financial Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Accord Financial's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(244.177 + 48.205) / 356.702
=0.82

Accord Financial's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(73.225 + 37.562) / 165.415
=0.67

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.67 mean?
Accord Financial (TSX:ACD) has a Debt-to-Asset of 0.67 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Accord Financial and its competitors.
Is Accord Financial's Debt-to-Asset too high?
Accord Financial's current Debt-to-Asset is 0.67. Overall, Accord Financial has a GF Score™ of 36/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Accord Financial's Debt-to-Asset compare to V and MA?
Accord Financial's Debt-to-Asset of 0.67 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Credit Services company?
A good Debt-to-Asset depends on the Credit Services industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Accord Financial and its competitors. Accord Financial's current Debt-to-Asset is 0.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Accord Financial stock overvalued right now?
Based on GuruFocus' analysis, Accord Financial (TSX:ACD) is currently considered Significantly Undervalued. The stock's GF Value™ is C$1.71, compared to a current price of C$0.96 — trading 43.9% below its estimated fair value. The current Debt-to-Asset is 0.67. Accord Financial's overall GF Score™ is 36/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Accord Financial (TSX:ACD), the current Debt-to-Asset is 0.67 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Accord Financial (TSX:ACD) Overvalued in 2026?

Based on GuruFocus' analysis, Accord Financial stock appears to be undervalued. The current stock price of C$0.96 is trading 43.9% below its estimated GF Value™ of C$1.71. GuruFocus considers Accord Financial to be Significantly Undervalued.

Key valuation signals for TSX:ACD:

  • Debt-to-Asset: 0.67
  • GF Value™: C$1.71 vs. price of C$0.96 (43.9% below fair value)
  • GF Score™: 36/100 with 2 warning signs

No single metric tells the full story. See the TSX:ACD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Accord Financial Business Description

Other Exchanges ACCFF:USA
Address 40 Eglinton Avenue East, Suite 602, Toronto, ON, CAN, M4P 3A2
Accord Financial Corp is a provider of asset-based financial services to businesses. It is engaged in providing asset-based financing services, including factoring and receivables financing, equipment and inventory financing, leasing, working capital financing, and media financing, to industrial and commercial enterprises, principally in Canada and the United States. Geographically, the company generates the majority of its revenue from Canada.
36GF Score

Get the complete analysis for TSX:ACD

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

C$0.96
Price
C$1.71
GF Value