Accord Financial Income Statement

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

Millions CAD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	19.21	31.57	33.44	36.13	36.01
Net Interest Income Growth	-39.14%	-5.60%	-7.43%	0.32%	28.11%
Non-Interest Income	9.5	15.48	10.97	7.28	11.58
Non-Interest Income Growth	-38.67%	41.20%	50.66%	-37.16%	99.84%
Revenues Before Loan Losses	28.71	47.05	44.41	43.4	47.59
Provision for Credit Losses	21.92	16.18	24.48	8.29	-0.61
Revenue	6.79	30.87	19.93	35.11	48.21
Revenue Growth (YoY)	-78.00%	54.89%	-43.24%	-27.17%	96.75%
Selling, General & Admin	30.08	33.3	34.55	29.6	31.46
Other Non-Interest Expenses	0.49	0.67	12.58	2.87	1.8
Total Non-Interest Expense	30.56	33.96	47.12	32.46	33.26
Pretax Income	-23.77	-3.09	-27.19	2.65	14.95
Provision for Income Taxes	8.96	-0.65	-11.8	1	1.73
Net Income	-29.97	-3.14	-14.63	1.43	11.89
Minority Interest in Earnings	2.77	-0.69	0.77	-0.22	-1.34
Net Income to Common	-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
Shares Outstanding (Diluted)	9	9	9	9	9
Shares Change (YoY)	-	-	-0.01%	0.01%	-0.05%
EPS (Basic)	-3.50	-0.37	-1.71	0.17	1.39
EPS (Diluted)	-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
Free Cash Flow	5.89	60.17	-51.35	35.37	-100.74
Free Cash Flow Growth	-90.22%	-	-	-	-
Free Cash Flow Per Share	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	-482.05%	-7.92%	-77.24%	4.69%	27.43%
FCF Margin	86.66%	194.92%	-257.66%	100.73%	-208.97%
EBITDA	0.49	0.67	0.7	0.83	0.84
EBITDA Margin	7.17%	2.16%	3.51%	2.38%	1.73%
Effective Tax Rate	-37.71%	20.92%	43.39%	37.83%	11.55%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.