Accord Financial Income Statement

Financials in millions CAD. Fiscal year is January - December.

Millions CAD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Interest Income	23.57	31.57	33.44	36.13	36.01	28.11
Net Interest Income Growth	-30.57%	-5.60%	-7.43%	0.32%	28.11%	-11.92%
Non-Interest Income	13.54	15.48	10.97	7.28	11.58	5.8
Non-Interest Income Growth	0.40%	41.20%	50.66%	-37.16%	99.84%	-19.19%
Revenues Before Loan Losses	37.12	47.05	44.41	43.4	47.59	33.9
Provision for Credit Losses	14.69	16.18	24.48	8.29	-0.61	9.4
Revenue	22.43	30.87	19.93	35.11	48.21	24.5
Revenue Growth (YoY)	-26.91%	54.89%	-43.24%	-27.17%	96.75%	-23.38%
Selling, General & Admin	28.87	33.3	34.55	29.6	31.46	26.46
Other Non-Interest Expenses	0.5	0.67	12.58	2.87	1.8	2.11
Total Non-Interest Expense	29.36	33.96	47.12	32.46	33.26	28.56
Pretax Income	-6.92	-3.09	-27.19	2.65	14.95	-4.06
Provision for Income Taxes	-1.04	-0.65	-11.8	1	1.73	-4.67
Net Income	-6.49	-3.14	-14.63	1.43	11.89	0.42
Minority Interest in Earnings	-0.61	-0.69	0.77	-0.22	-1.34	-0.19
Net Income to Common	-6.49	-3.14	-14.63	1.43	11.89	0.42
Net Income Growth	-	-	-	-88.00%	2753.14%	-93.53%
Shares Outstanding (Basic)	9	9	9	9	9	9
Shares Outstanding (Diluted)	9	9	9	9	9	9
Shares Change (YoY)	-	-	-0.01%	0.01%	-0.05%	1.13%
EPS (Basic)	-0.76	-0.37	-1.71	0.17	1.39	0.05
EPS (Diluted)	-0.76	-0.37	-1.71	0.17	1.39	0.05
EPS Growth	-	-	-	-87.77%	2680.00%	-93.42%
Free Cash Flow	-31.5	60.17	-51.35	35.37	-100.74	23.33
Free Cash Flow Per Share	-3.68	7.03	-6.00	4.13	-11.77	2.72
Dividends Per Share	-	-	0.225	0.300	0.200	0.240
Dividend Growth	-	-	-25.00%	50.00%	-16.67%	-33.33%
Profit Margin	-26.24%	-7.92%	-77.24%	4.69%	26.90%	1.94%
FCF Margin	-140.42%	194.92%	-257.66%	100.73%	-204.99%	74.35%
EBITDA	0.5	0.67	0.7	0.83	0.84	1.02
EBITDA Margin	2.24%	2.16%	3.51%	2.38%	1.70%	3.25%
Effective Tax Rate	14.98%	20.92%	43.39%	37.83%	11.55%	114.96%

Updated Sep 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.