Accord FinancialACCFF 44 Net Margin % is -82.91% 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. Among 534 Credit Services companies, Accord Financial ranks worse than 94.38% on this metric.
The historical rank and industry rank for Accord Financial's Net Margin % or its related term are showing as below:
ACCFF'
s Net Margin % Range Over the Past 10 Years
Min: -129.07 Med: 9.89 Max: 27.6
Current: -129.07
ACCFF's Net Margin % is ranked worse than 94.38% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs ACCFF: -129.07
Accord Financial (OTCPK:ACCFF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Accord Financial Net Margin % Related Terms
Accord Financial Net Margin % Historical Data
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The historical data trend for Accord Financial's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Accord Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Accord Financial's Net Margin % falls into.
* 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 (ACCFF) has a Net Margin % of -82.91% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Accord Financial and its competitors. According to the industry distribution chart, Accord Financial ranks #504 out of 534 companies in the Credit Services industry, placing it in the top 94.4%.
Is Accord Financial's Net Margin % too high?
Accord Financial's current Net Margin % is -82.91%. Based on the distribution chart, Accord Financial ranks #504 out of 534 companies in the Credit Services industry, which is in the bottom quartile 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Accord Financial ranks #504 out of 534 companies for Net Margin %. This places Accord Financial in the lower half of its industry. The industry median Net Margin % is 14.52. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Accord Financial and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Accord Financial's current Net Margin % is -82.91%. 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 Net Margin % is -82.91%. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Accord Financial (ACCFF), the current Net Margin % is -82.91% 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:
Net Margin %: -82.91%
GF Value™: $1.78 vs. price of $0.61 (65.9% below fair value)
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 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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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