ACCFF (Accord Financial) E10: $-0.01 (As of Mar. 2026)


ACCFF Accord Financial Corp ACCFF
44 GF Score
Price $0.61
GF Value $1.78
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Accord Financial E10?

Accord Financial ACCFF 44 E10 is $-0.01 as of Mar. 2026. GuruFocus rates ACCFF with a GF Score™ of 44/100 and a GF Value™ of $1.78 (Significantly Undervalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Accord Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was $-0.277. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $-0.01 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Accord Financial's average E10 Growth Rate was -102.00% per year. During the past 3 years, the average E10 Growth Rate was -61.80% per year. During the past 5 years, the average E10 Growth Rate was -36.80% per year. During the past 10 years, the average E10 Growth Rate was -13.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Accord Financial was 5.10% per year. The lowest was -61.80% per year. And the median was 2.15% per year.

As of today (2026-06-25), Accord Financial's current stock price is $0.6069. Accord Financial's E10 for the quarter that ended in Mar. 2026 was $-0.01. Accord Financial's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of Accord Financial was 39.00. The lowest was 3.85. And the median was 9.01.


Accord Financial  (OTCPK:ACCFF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

During the past 13 years, the highest Shiller P/E Ratio of Accord Financial was 39.00. The lowest was 3.85. And the median was 9.01.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Accord Financial E10 Related Terms


Accord Financial E10 Historical Data

* Premium members only.

The historical data trend for Accord Financial's E10 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 E10 Chart

Accord Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.72 0.68 0.69 0.37 0.03

Accord Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.35 0.31 0.27 0.03 -0.01

ACCFF vs V, MA, AXP: E10 Comparison

For the Credit Services subindustry, Accord Financial's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Accord Financial's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Accord Financial's Shiller PE Ratio falls into.


ACCFF
44GF Score
Accord Financial Corp ACCFF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Accord Financial E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Accord Financial's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=-0.277/132.2623*132.2623
=-0.277

Current CPI (Mar. 2026) = 132.2623.

Accord Financial Quarterly Data

per share eps CPI Adj_EPS
201606 0.155 102.002 0.201
201609 0.114 101.765 0.148
201612 0.202 101.449 0.263
201703 0.112 102.634 0.144
201706 0.030 103.029 0.039
201709 0.195 103.345 0.250
201712 0.227 103.345 0.291
201803 0.116 105.004 0.146
201806 0.213 105.557 0.267
201809 0.238 105.636 0.298
201812 0.365 105.399 0.458
201903 0.142 106.979 0.176
201906 0.196 107.690 0.241
201909 0.257 107.611 0.316
201912 -0.061 107.769 -0.075
202003 -0.494 107.927 -0.605
202006 0.376 108.401 0.459
202009 0.053 108.164 0.065
202012 0.125 108.559 0.152
202103 0.239 110.298 0.287
202106 0.295 111.720 0.349
202109 0.245 112.905 0.287
202112 0.328 113.774 0.381
202203 0.292 117.646 0.328
202206 0.008 120.806 0.009
202209 0.157 120.648 0.172
202212 -0.309 120.964 -0.338
202303 0.175 122.702 0.189
202306 -0.023 124.203 -0.024
202309 -0.761 125.230 -0.804
202312 -0.663 125.072 -0.701
202403 0.052 126.258 0.054
202406 -0.095 127.522 -0.099
202409 -0.066 127.285 -0.069
202412 -0.154 127.364 -0.160
202503 -0.111 129.181 -0.114
202506 -0.073 129.892 -0.074
202509 -0.202 130.287 -0.205
202512 -2.146 130.366 -2.177
202603 -0.277 132.262 -0.277

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $-0.01 mean?
Accord Financial (ACCFF) has a E10 of $-0.01 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Accord Financial and its competitors.
Is Accord Financial's E10 too high?
Accord Financial's current E10 is $-0.01. Overall, Accord Financial has a GF Score™ of 44/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Accord Financial's E10 compare to V and MA?
Accord Financial's E10 of $-0.01 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 E10 for a Credit Services company?
A good E10 depends on the Credit Services industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Accord Financial and its competitors. Accord Financial's current E10 is $-0.01. 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 (ACCFF) is currently considered Significantly Undervalued. The stock's GF Value™ is $1.78, compared to a current price of $0.61 — trading 65.9% below its estimated fair value. The current E10 is $-0.01. Accord Financial's overall GF Score™ is 44/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Accord Financial (ACCFF), the current E10 is $-0.01 as of Mar. 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 (ACCFF) Overvalued in 2026?

Based on GuruFocus' analysis, Accord Financial stock appears to be undervalued. The current stock price of $0.61 is trading 65.9% below its estimated GF Value™ of $1.78. GuruFocus considers Accord Financial to be Significantly Undervalued.

Key valuation signals for ACCFF:

  • E10: $-0.01
  • GF Value™: $1.78 vs. price of $0.61 (65.9% below fair value)
  • GF Score™: 44/100 with 2 warning signs

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


Accord Financial Business Description

Other Exchanges ACD:Canada
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.
44GF Score

Get the complete analysis for ACCFF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.61
Price
$1.78
GF Value