Accord Financial Income Statement

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

Millions CAD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	17.11	19.21	31.57	33.44	36.13	36.01
Net Interest Income Growth	-40.47%	-39.14%	-5.60%	-7.43%	0.32%	28.11%
Non-Interest Income	7.8	9.5	15.48	10.97	7.28	11.58
Non-Interest Income Growth	-42.80%	-38.67%	41.20%	50.66%	-37.16%	99.84%
Revenues Before Loan Losses	24.91	28.71	47.05	44.41	43.4	47.59
Provision for Credit Losses	19.82	21.92	16.18	24.48	8.29	-0.61
Revenue	5.1	6.79	30.87	19.93	35.11	48.21
Revenue Growth (YoY)	-79.33%	-78.00%	54.89%	-43.24%	-27.17%	96.75%
Selling, General & Admin	27.42	30.08	33.3	34.55	29.6	31.46
Other Non-Interest Expenses	0.44	0.49	0.67	12.58	2.87	1.8
Total Non-Interest Expense	22.94	30.56	33.96	47.12	32.46	33.26
Pretax Income	-22.77	-23.77	-3.09	-27.19	2.65	14.95
Provision for Income Taxes	9.6	8.96	-0.65	-11.8	1	1.73
Net Income	-31.86	-29.97	-3.14	-14.63	1.43	11.89
Minority Interest in Earnings	2.92	2.77	-0.69	0.77	-0.22	-1.34
Earnings From Discontinued Operations	-2.12	-	-	-	-	-
Net Income to Common	-31.86	-29.97	-3.14	-14.63	1.43	11.89
Net Income Growth	-	-	-	-	-88.00%	2753.13%
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%	-0.05%
EPS (Basic)	-3.72	-3.50	-0.37	-1.71	0.17	1.39
EPS (Diluted)	-3.72	-3.50	-0.37	-1.71	0.17	1.39
EPS Growth	-	-	-	-	-87.77%	2680.00%
Shares Outstanding	8.56	8.56	8.56	8.56	8.56	8.56
Free Cash Flow	86.64	5.89	60.17	-51.35	35.37	-100.74
Free Cash Flow Growth	1372.13%	-90.22%	-	-	-	-
Free Cash Flow Per Share	10.12	0.69	7.03	-6.00	4.13	-11.77
Dividends Per Share	-	-	-	0.225	0.300	0.200
Dividend Growth	-	-	-	-25.00%	50.00%	-16.67%
Profit Margin	-698.71%	-482.05%	-7.92%	-77.24%	4.69%	27.43%
FCF Margin	1700.39%	86.66%	194.92%	-257.66%	100.73%	-208.97%
EBITDA	0.48	0.49	0.67	0.7	0.83	0.84
EBITDA Margin	9.34%	7.17%	2.16%	3.51%	2.38%	1.73%
Effective Tax Rate	-42.16%	-37.71%	20.92%	43.39%	37.83%	11.55%

Updated May 15, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.