Accord Financial Balance Sheet

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
Cash & Equivalents	6.63	16.67	5.91	11.63	13.84	5.55
Loans & Lease Receivables	399.25	357.55	466.12	444.46	472.9	354.02
Other Receivables	0.02	1.03	1.2	0.6	0.1	1.84
Property, Plant & Equipment	2.23	2.61	2.12	1.75	1.27	1.66
Goodwill	-	-	-	12.08	13.14	13.22
Other Intangible Assets	-	-	3	3.2	3.11	3.28
Restricted Cash	-	-	3.78	6.63	10.31	-
Other Current Assets	0.49	0.42	0.44	0.11	0.16	1.51
Long-Term Deferred Tax Assets	20.74	20.13	18.62	6.27	3.42	2
Other Long-Term Assets	7.12	15.46	12.29	5.06	1.85	1.83
Total Assets	436.47	413.88	513.48	491.76	520.11	384.91
Interest Bearing Deposits	0.14	0.17	0.14	1.83	3.29	2.91
Total Deposits	0.14	0.17	0.14	1.83	3.29	2.91
Accounts Payable	6.21	12.25	8.06	11.2	11.83	10.28
Short-Term Debt	20.69	165.45	289.37	222.16	222.74	228.37
Current Portion of Long-Term Debt	313.36	98.07	79.52	42.44	87.73	21.38
Current Portion of Leases	-	0.46	0.48	0.44	0.53	0.5
Long-Term Debt	10.35	47.86	43.28	101.96	86.5	23.51
Long-Term Leases	1.89	1.68	1.4	1.05	0.45	0.71
Long-Term Unearned Revenue	1.14	1.27	2.34	1.28	0.49	0.76
Current Income Taxes Payable	0.96	-	0.23	2.62	2.29	1.58
Long-Term Deferred Tax Liabilities	-	-	-	0.14	0.28	0.6
Other Long-Term Liabilities	-	-	-	0.03	0.03	0.56
Total Liabilities	354.73	327.2	424.82	385.15	416.15	291.15
Common Stock	9.45	9.45	9.45	9.45	9.45	9.45
Additional Paid-In Capital	1.88	1.84	1.77	1.71	1.09	1.2
Retained Earnings	57.83	62.47	65.61	82.16	83.3	73.12
Comprehensive Income & Other	7.23	7.07	7.07	7.66	6.13	6.08
Total Common Equity	76.39	80.83	83.9	100.97	99.97	89.85
Minority Interest	5.36	5.85	4.76	5.64	3.99	3.91
Shareholders' Equity	81.74	86.68	88.66	106.61	103.96	93.76
Total Liabilities & Equity	436.47	413.88	513.48	491.76	520.11	384.91
Total Debt	346.28	313.52	414.05	368.06	397.94	274.47
Net Cash (Debt)	-339.66	-296.85	-408.13	-356.43	-384.1	-268.92
Net Cash Per Share	-39.68	-34.68	-47.68	-41.64	-44.88	-31.42
Filing Date Shares Outstanding	8.56	8.56	8.56	8.56	8.56	8.56
Total Common Shares Outstanding	8.56	8.56	8.56	8.56	8.56	8.56
Working Capital	65.04	99.28	99.65	182.73	168.91	97.91
Book Value Per Share	8.92	9.44	9.80	11.80	11.68	10.50
Tangible Book Value	76.39	80.83	80.91	85.7	83.71	73.35
Tangible Book Value Per Share	8.92	9.44	9.45	10.01	9.78	8.57

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.