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
Interest and Dividend Income	55.15	67.57	68.74	60.21	51.9	42.7
Total Interest Expense	31.57	36.01	35.3	24.09	15.89	14.6
Net Interest Income	23.57	31.57	33.44	36.13	36.01	28.11
Other Revenue	13.54	15.48	10.97	7.28	11.58	5.8
Revenue Before Loan Losses	37.12	47.05	44.41	43.4	47.59	33.9
Provision for Loan Losses	1.18	0.88	15.54	2.77	-1.55	2.53
Revenue	35.94	46.17	28.87	40.63	49.15	31.37
Revenue Growth (YoY)	-14.32%	59.91%	-28.95%	-17.32%	56.65%	-17.29%
Salaries & Employee Benefits	0.07	0.07	0.07	0.19	0.09	-
Cost of Services Provided	28.8	33.23	34.48	29.41	31.69	25.66
Total Operating Expenses	42.86	49.26	44.19	35.96	33.55	33.55
Operating Income	-6.92	-3.09	-15.32	4.68	15.59	-2.18
EBT Excluding Unusual Items	-6.92	-3.09	-15.32	4.68	15.59	-2.18
Restructuring Charges	-	-	-	-	-	-1.89
Impairment of Goodwill	-	-	-11.88	-1.88	-	-
Other Unusual Items	-	-	-	-	0.32	1.09
Pretax Income	-6.92	-3.09	-27.19	2.65	14.95	-4.06
Income Tax Expense	-1.04	-0.65	-11.8	1	1.73	-4.67
Earnings From Continuing Ops.	-5.89	-2.45	-15.39	1.65	13.22	0.61
Minority Interest in Earnings	-0.61	-0.69	0.77	-0.22	-1.34	-0.19
Net Income	-6.49	-3.14	-14.63	1.43	11.89	0.42
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%	-	1.08%
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	-	-	-	-88.00%	2753.16%	-93.59%
Free Cash Flow	-31.5	60.17	-51.35	31.33	-101.73	23.33
Free Cash Flow Per Share	-3.68	7.03	-6.00	3.66	-11.89	2.73
Dividend Per Share	-	-	0.225	0.300	0.200	0.240
Dividend Growth	-	-	-25.00%	50.00%	-16.67%	-33.33%
Operating Margin	-19.27%	-6.70%	-53.05%	11.51%	31.72%	-6.93%
Profit Margin	-18.07%	-6.80%	-50.66%	3.51%	24.19%	1.33%
Free Cash Flow Margin	-87.66%	130.33%	-177.87%	77.11%	-207.00%	74.35%
Effective Tax Rate	-	-	-	37.83%	11.55%	-
Revenue as Reported	68.69	83.06	79.71	67.49	63.48	48.5

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.