Accord Financial Corp. (TSX: ACD)

Accord Financial Income Statement

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

Year	2023	2022	2021	2020	2019
Revenue	79.71	43.4	47.59	33.9	39.09
Revenue Growth (YoY)	83.64%	-8.80%	40.37%	-13.25%	4.17%
Cost of Revenue	0.7	0.83	0.93	1.02	1.03
Gross Profit	79.01	42.57	46.66	32.89	38.06
Selling, General & Admin	34.55	29.6	31.46	26.46	26.15
Research & Development	-0	0	0	-0	0
Other Operating Expenses	-34.55	-46.49	-65.44	-64.62	-57.21
Operating Expenses	34.55	-16.89	-33.98	-38.16	-31.06
Operating Income	44.46	26.52	13.61	-4.25	8.02
Interest Income	68.74	60.21	51.9	42.7	49
Interest Expense	35.3	24.09	15.89	14.6	17.09
Other Expense / Income	104.32	60.21	36.01	27.92	31.91
Pretax Income	-27.19	2.65	14.95	-4.06	6.92
Income Tax	-11.8	1	1.73	-4.67	1.58
Net Income	-14.63	1.43	11.89	0.61	6.44
Net Income Growth	-	-88.00%	1855.81%	-90.57%	-37.78%
Shares Outstanding (Basic)	9	9	9	9	8
Shares Outstanding (Diluted)	9	9	9	9	8
Shares Change	-0.01%	0.01%	-0.05%	1.13%	1.64%
EPS (Basic)	-1.71	0.17	1.39	0.07	0.76
EPS (Diluted)	-1.71	0.17	1.39	0.07	0.76
EPS Growth	-	-87.77%	1857.75%	-90.66%	-38.71%
Free Cash Flow	-51.35	31.33	-101.73	23.33	-47.74
Free Cash Flow Per Share	-6.00	3.66	-11.89	2.72	-5.64
Gross Margin	99.12%	98.08%	98.05%	96.99%	97.37%
Operating Margin	55.78%	61.09%	28.60%	-12.55%	20.53%
Profit Margin	-18.35%	3.29%	24.98%	1.79%	16.49%
Free Cash Flow Margin	-64.43%	72.19%	-213.75%	68.80%	-122.13%
Effective Tax Rate	-	37.84%	11.55%	-	22.82%
EBITDA	45.16	27.35	14.45	-3.23	9.05
EBITDA Margin	56.66%	63.01%	30.36%	-9.54%	23.15%
Depreciation & Amortization	0.7	0.83	0.84	1.02	1.03
EBIT	44.46	26.52	13.61	-4.25	8.02
EBIT Margin	55.78%	61.09%	28.60%	-12.55%	20.53%

Sources: The data provider is Financial Modeling Prep and the numbers are sourced from SEC filings.