ACCFF (Accord Financial) Scaled Net Operating Assets: 0.44 (As of Mar. 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 Scaled Net Operating Assets?

Accord Financial ACCFF 44 Scaled Net Operating Assets is 0.44 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Accord Financial's operating assets for the quarter that ended in Mar. 2026 was $121.10 Mil. Accord Financial's operating liabilities for the quarter that ended in Mar. 2026 was $7.36 Mil. Accord Financial's Total Assets for the quarter that ended in Dec. 2025 was $258.57 Mil. Therefore, Accord Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.44.

ACCFF
44GF Score
Accord Financial Corp ACCFF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Accord Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Accord Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(253.506-7.604)/290.505
=0.85

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=258.573 - 5.067
=253.506

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=219.552 - 34.944 - 177.004
=7.604

Accord Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(121.097-7.361)/258.573
=0.44

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=136.502 - 15.405
=121.097

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=102.459 - 29.882 - 65.216
=7.361

* 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.

What does a Scaled Net Operating Assets of 0.44 mean?
Accord Financial (ACCFF) has a Scaled Net Operating Assets of 0.44 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Accord Financial and its competitors.
Is Accord Financial's Scaled Net Operating Assets too high?
Accord Financial's current Scaled Net Operating Assets is 0.44. 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 Scaled Net Operating Assets compare to V and MA?
Accord Financial's Scaled Net Operating Assets of 0.44 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Accord Financial and its competitors. Accord Financial's current Scaled Net Operating Assets is 0.44. 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 Scaled Net Operating Assets is 0.44. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Accord Financial (ACCFF), the current Scaled Net Operating Assets is 0.44 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:

  • Scaled Net Operating Assets: 0.44
  • 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.61
Price
$2.13
GF Value