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Accord FinancialTSX:ACD 37 Equity-to-Asset is 0.25 as of Mar. 2026, which is 14% above its 10-year median of 0.22. GuruFocus rates TSX:ACD with a GF Score™ of 37/100 and a GF Value™ of C$2.06 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 551 Credit Services companies, Accord Financial ranks worse than 61.71% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Accord Financial's Total Stockholders Equity for the quarter that ended in Mar. 2026 was C$46.71 Mil. Accord Financial's Total Assets for the quarter that ended in Mar. 2026 was C$187.28 Mil.
Therefore, Accord Financial's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.25.
The historical rank and industry rank for Accord Financial's Equity-to-Asset or its related term are showing as below:
TSX:ACD'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.14 Med: 0.22 Max: 0.48
Current: 0.25
During the past 13 years, the highest Equity to Asset Ratio of Accord Financial was 0.48. The lowest was 0.14. And the median was 0.22.
TSX:ACD's Equity-to-Asset is ranked worse than 61.71% of 551
companies
in the Credit Services industry
Industry Median: 0.4
vs TSX:ACD: 0.25
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Accord Financial Equity-to-Asset Related Terms
Accord Financial Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Accord Financial's Equity-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.
For the Credit Services subindustry, Accord Financial's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Accord Financial's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Accord Financial's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Accord Financial's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (TSX:ACD) has a Equity-to-Asset of 0.25 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Accord Financial and its competitors. This is 14% above median its historical median of 0.22. Over the past decade, Accord Financial's Equity-to-Asset has ranged from 0.14 to 0.48. According to the industry distribution chart, Accord Financial ranks #340 out of 551 companies in the Credit Services industry, placing it in the top 61.7%.
Is Accord Financial's Equity-to-Asset too high?
Accord Financial's current Equity-to-Asset of 0.25 is 14% above median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.48. The Credit Services industry median Equity-to-Asset is 0.40. Accord Financial's value of 0.25 is 37.5% below this industry median. Based on the distribution chart, Accord Financial ranks #340 out of 551 companies in the Credit Services industry, which is below the industry midpoint. Overall, Accord Financial has a GF Score™ of 37/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Accord Financial's Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Accord Financial ranks #340 out of 551 companies for Equity-to-Asset. This places Accord Financial in the lower half of its industry. The industry median Equity-to-Asset is 0.40. Accord Financial's value of 0.25 is 37.5% below this benchmark. Historically, Accord Financial's own Equity-to-Asset has ranged from 0.14 to 0.48 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 0.40, Accord Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 551 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Accord Financial's current Equity-to-Asset of 0.25 is 37.5% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Accord Financial and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Accord Financial's current Equity-to-Asset is 0.25, which is 14% above median its own 10-year median of 0.22. 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$2.06, compared to a current price of C$0.82 — trading 60.2% below its estimated fair value. The current Equity-to-Asset is 0.25, which is 14% above median its 10-year median of 0.22 and 37.5% below the Credit Services industry median of 0.40. Accord Financial's overall GF Score™ is 37/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Accord Financial (TSX:ACD), the current Equity-to-Asset is 0.25 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 (TSX:ACD) Overvalued in 2026?
Based on GuruFocus' analysis, Accord Financial stock appears to be undervalued.
The current stock price of C$0.82 is trading 60.2% below its estimated GF Value™ of C$2.06.
GuruFocus considers Accord Financial to be Significantly Undervalued.
Key valuation signals for TSX:ACD:
Equity-to-Asset: 0.25 (14% above median its 10-year median of 0.22)
GF Value™: C$2.06 vs. price of C$0.82 (60.2% below fair value)
Industry Position: 37.5% below the Credit Services median (#340 of 551)
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 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.
37GF Score
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