ACCFF (Accord Financial) Moat Score: 4/10 (As of Jun. 29, 2026)


ACCFF Accord Financial Corp ACCFF
44 GF Score
Price $0.61
GF Value $2.13
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Accord Financial Moat Score?

Accord Financial ACCFF 44 Moat Score is 4 as of Jun. 29, 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. Among 566 Credit Services companies, Accord Financial ranks better than 95.05% on this metric.

Accord Financial has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Accord Financial has Narrow Moat: Accord Financial has a modest moat due to its niche focus in financial services and some customer loyalty. However, it faces competition from larger financial institutions and lacks significant pricing power or brand strength. Its competitive advantages are discernible but limited.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Accord Financial might have Narrow Moat - Discernible but modest moat.

Accord Financial  (OTCPK:ACCFF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Accord Financial Moat Score Related Terms

ACCFF vs V, MA, AXP: Moat Score Comparison

For the Credit Services subindustry, Accord Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Accord Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Accord Financial's Moat Score falls into.


ACCFF
44GF Score
Accord Financial Corp ACCFF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Accord Financial (ACCFF) has a Moat Score of 4 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Accord Financial ranks #28 out of 566 companies in the Credit Services industry, placing it in the top 4.9%.
Is Accord Financial's Moat Score too high?
Accord Financial's current Moat Score is 4. Based on the distribution chart, Accord Financial ranks #28 out of 566 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Moat Score compare to V and MA?
According to the Credit Services industry distribution chart, Accord Financial ranks #28 out of 566 companies for Moat Score. This places Accord Financial in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Accord Financial's current Moat Score is 4. 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 Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Accord Financial (ACCFF), the current Moat Score is 4 as of Jun. 29, 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:

  • Moat Score: 4
  • 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

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

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

$0.61
Price
$2.13
GF Value