Accord Financial Cash Flow 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 Income	-5.89	-2.45	-15.39	1.65	13.22	0.61
Depreciation & Amortization	0.5	0.67	0.7	0.83	0.84	1.02
Provision for Credit Losses	14.69	16.18	24.48	8.29	-1.55	2.53
Stock-Based Compensation	0.1	0.12	0.17	0.19	0.09	-
Net Change in Loans Held-for-Sale	-40.68	48.57	-51.57	36.48	-118.83	7.63
Other Adjustments	-1.03	-1.69	0.8	3.7	3.2	-3.05
Changes in Accounts Payable	-5.09	0.45	-0.34	-13.78	1.73	4.51
Changes in Other Operating Activities	4.62	-1.25	-6.31	-1.82	0.65	7.79
Operating Cash Flow	-41.77	60.57	-51.12	35.54	-100.66	23.37
Proceeds from Business Divestments	0.51	60.65	-	-	-	-
Capital Expenditures	-0.17	-0.4	-0.24	-0.18	-0.08	-0.04
Investing Cash Flow	0.34	60.25	-0.24	-0.18	-0.08	-0.04
Short-Term Debt Issued	32.23	-136.01	66.47	6.68	-2.41	-28.46
Net Short-Term Debt Issued (Repaid)	32.23	-136.01	66.47	6.68	-2.41	-28.46
Long-Term Debt Issued	19	55.27	0.92	-42.39	126.39	9.44
Long-Term Debt Repaid	-25.78	-27.43	-22.27	-0.48	-0.46	-0.39
Net Long-Term Debt Issued (Repaid)	-6.78	27.84	-21.35	-42.87	125.93	9.05
Repurchase of Common Stock	-	-	-	-	-	-0.26
Net Common Stock Issued (Repurchased)	-	-	-	-	-	-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	25.47	-108.17	43.19	-37.27	120.37	-21.91
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-2.88	-5.67	-0.4	0.05	-0.04	-2.65
Net Cash Flow	-8.4	6.98	-8.56	-5.89	18.6	-1.23
Free Cash Flow	-31.5	60.17	-51.35	35.37	-100.74	23.33
FCF Margin	-140.42%	194.92%	-257.66%	100.73%	-204.99%	74.35%
Free Cash Flow Per Share	-3.68	7.03	-6.00	4.13	-11.77	2.72
Levered Free Cash Flow	18.82	-111.84	24.32	-49.7	138.53	-5.72
Unlevered Free Cash Flow	-0.14	-0.53	-6.18	-14.94	3.13	13.27

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