ACCFF (Accord Financial) LT-Debt-to-Total-Asset: 0.22 (As of Mar. 2026)

What is Accord Financial LT-Debt-to-Total-Asset?

Accord Financial ACCFF 44 LT-Debt-to-Total-Asset is 0.22 as of Mar. 2026. GuruFocus rates ACCFF with a GF Score™ of 44/100 and a GF Value™ of $2.13 (Significantly Undervalued). The stock has 2 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Accord Financial's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.22.

Accord Financial's long-term debt to total assets ratio increased from Mar. 2025 (0.15) to Mar. 2026 (0.22). It may suggest that Accord Financial is progressively becoming more dependent on debt to grow their business.

Accord Financial (OTCPK:ACCFF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Accord Financial LT-Debt-to-Total-Asset Related Terms

Accord Financial LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Accord Financial's LT-Debt-to-Total-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 LT-Debt-to-Total-Asset Chart

Accord Financial Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.05

0.08

0.13

0.17

0.14

Accord Financial Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.15	0.13	0.12	0.14	0.22

44GF Score

Accord Financial Corp ACCFF

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Accord Financial LT-Debt-to-Total-Asset Calculation

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

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	34.944	/	258.573
	=	0.14

Accord Financial's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	29.882	/	136.502
	=	0.22

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.22 mean?

Accord Financial (ACCFF) has a LT-Debt-to-Total-Asset of 0.22 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Accord Financial and its competitors.

Is Accord Financial's LT-Debt-to-Total-Asset too high?

Accord Financial's current LT-Debt-to-Total-Asset is 0.22. 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 LT-Debt-to-Total-Asset compare to V and MA?

Accord Financial's LT-Debt-to-Total-Asset of 0.22 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 LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Accord Financial and its competitors. Accord Financial's current LT-Debt-to-Total-Asset is 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 (ACCFF) is currently considered Significantly Undervalued. The stock's GF Value™ is $2.13, compared to a current price of $0.61 — trading 71.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.22. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Accord Financial (ACCFF), the current LT-Debt-to-Total-Asset is 0.22 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 71.5% below its estimated GF Value™ of $2.13. GuruFocus considers Accord Financial to be Significantly Undervalued.

Key valuation signals for ACCFF:

LT-Debt-to-Total-Asset: 0.22
GF Value™: $2.13 vs. price of $0.61 (71.5% 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

Industry Financial Services Credit Services

Comparable Companies XCNQ:PDFI TSX:CRWN XCNQ:LOAN XCNQ:INVR V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI NSE:CHOLAFIN NSE:TATACAP BOM:532810 ALLY BOM:533398 BOM:543257

Other Exchanges ACD:Canada

Address 40 Eglinton Avenue East, Suite 602, Toronto, ON, CAN, M4P 3A2

Website https://www.accordfinancial.com

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

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$0.61

Price

$2.13

GF Value

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