Accord FinancialACCFF 44 3-Year RORE % is 28.14 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 519 Credit Services companies, Accord Financial ranks better than 73.41% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Accord Financial's 3-Year RORE % for the quarter that ended in Mar. 2026 was 28.14%.
The industry rank for Accord Financial's 3-Year RORE % or its related term are showing as below:
ACCFF's 3-Year RORE % is ranked better than 73.41% of 519
companies
in the Credit Services industry
Industry Median: 8.83
vs ACCFF: 28.14
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Accord Financial 3-Year RORE % Related Terms
Accord Financial 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Accord Financial's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Accord Financial's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Accord Financial's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Accord Financial (ACCFF) has a 3-Year RORE % of 28.14 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Accord Financial and its competitors. According to the industry distribution chart, Accord Financial ranks #138 out of 519 companies in the Credit Services industry, placing it in the top 26.6%.
Is Accord Financial's 3-Year RORE % too high?
Accord Financial's current 3-Year RORE % is 28.14. The Credit Services industry median 3-Year RORE % is 8.83. Accord Financial's value of 28.14 is 218.7% above this industry median. Based on the distribution chart, Accord Financial ranks #138 out of 519 companies in the Credit Services industry, which is above the industry midpoint. 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 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Accord Financial ranks #138 out of 519 companies for 3-Year RORE %. This puts Accord Financial in the upper half of its industry. The industry median 3-Year RORE % is 8.83. Accord Financial's value of 28.14 is 218.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.83, based on 519 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Accord Financial's current 3-Year RORE % of 28.14 is 218.7% above 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Accord Financial and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Accord Financial's current 3-Year RORE % is 28.14. 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 3-Year RORE % is 28.14 and 218.7% above the Credit Services industry median of 8.83. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Accord Financial (ACCFF), the current 3-Year RORE % is 28.14 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:
3-Year RORE %: 28.14
GF Value™: $1.78 vs. price of $0.61 (65.9% below fair value)
Industry Position: 218.7% above the Credit Services median (#138 of 519)
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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