Accord Financial Corp. (ACCFF)

Accord Financial Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	-3.14	-14.63	1.43	11.89	0.42
Depreciation & Amortization	0.67	0.7	0.83	0.84	1.02
Asset Writedown & Restructuring Costs	-	11.88	1.88	-	-
Provision for Credit Losses	16.18	24.48	8.29	-1.55	2.53
Stock-Based Compensation	0.12	0.17	0.19	0.09	-
Change in Accounts Payable	0.42	1.35	-12.07	1.35	4.02
Change in Other Net Operating Assets	47.34	-59.56	32.95	-117.81	15.91
Other Operating Activities	0.02	-15.53	-2.14	2.68	-1.61
Operating Cash Flow	60.57	-51.12	31.51	-101.65	23.37
Capital Expenditures	-0.4	-0.24	-0.18	-0.08	-0.04
Sale of Property, Plant & Equipment	60.65	-	-	-	-
Investing Cash Flow	60.25	-0.24	-0.18	-0.08	-0.04
Short-Term Debt Issued	-	66.47	6.68	-	-
Long-Term Debt Issued	55.27	4.23	2.37	127.83	10.94
Total Debt Issued	55.27	70.7	9.05	127.83	10.94
Short-Term Debt Repaid	-136.01	-	-	-2.41	-28.46
Long-Term Debt Repaid	-27.43	-25.59	-45.24	-1.9	-1.89
Total Debt Repaid	-163.44	-25.59	-45.24	-4.31	-30.35
Net Debt Issued (Repaid)	-108.17	45.12	-36.19	123.51	-19.41
Repurchase of Common Stock	-	-	-	-	-0.26
Common Dividends Paid	-	-1.93	-2.57	-1.71	-2.06
Other Financing Activities	-	-	1.48	-1.43	-0.18
Financing Cash Flow	-108.17	43.19	-37.27	120.37	-21.91
Foreign Exchange Rate Adjustments	-5.67	-0.4	0.05	-0.04	-2.65
Net Cash Flow	6.98	-8.56	-5.89	18.6	-1.23
Free Cash Flow	60.17	-51.35	31.33	-101.73	23.33
Free Cash Flow Margin	130.33%	-177.87%	77.11%	-207.00%	74.35%
Free Cash Flow Per Share	7.03	-6.00	3.66	-11.89	2.73
Cash Interest Paid	31.52	33	22.88	10.25	10.42
Cash Income Tax Paid	0.03	3.66	4.04	0.99	-2.33

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