Accord Financial Corp. (TSX:ACD)

Accord Financial Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-32.74	-2.45	-15.39	1.65	13.22
Depreciation & Amortization	0.49	0.67	0.7	0.83	0.84
Provision for Credit Losses	21.92	16.18	24.48	8.29	-1.55
Stock-Based Compensation	0	0.12	0.17	0.19	0.09
Net Change in Loans Held-for-Sale	0.56	48.57	-51.57	36.48	-118.83
Other Adjustments	8.97	-1.69	0.8	3.7	3.2
Changes in Accounts Payable	-1.22	0.45	-0.34	-13.78	1.73
Changes in Other Operating Activities	7.08	-1.25	-6.31	-1.82	0.65
Operating Cash Flow	5.91	60.57	-51.12	35.54	-100.66
Operating Cash Flow Growth	-90.24%	-	-	-	-
Proceeds from Business Divestments	-	60.65	-	-	-
Capital Expenditures	-0.03	-0.4	-0.24	-0.18	-0.08
Investing Cash Flow	-0.03	60.25	-0.24	-0.18	-0.08
Short-Term Debt Issued	3.08	-136.01	66.47	6.68	-2.41
Net Short-Term Debt Issued (Repaid)	3.08	-136.01	66.47	6.68	-2.41
Long-Term Debt Issued	-0.1	55.27	0.92	-42.39	126.39
Long-Term Debt Repaid	-22.85	-27.43	-22.27	-0.48	-0.46
Net Long-Term Debt Issued (Repaid)	-22.95	27.84	-21.35	-42.87	125.93
Common Dividends Paid	-	-	-1.93	-2.57	-1.71
Other Financing Activities	-	-	-	1.48	-1.43
Financing Cash Flow	-19.87	-108.17	43.19	-37.27	120.37
Effect of Exchange Rate Changes on Cash and Cash Equivalents	4.3	-5.67	-0.4	0.05	-0.04
Net Cash Flow	-9.68	6.98	-8.56	-5.89	18.6
Free Cash Flow	5.89	60.17	-51.35	35.37	-100.74
Free Cash Flow Growth	-90.22%	-	-	-	-
FCF Margin	86.66%	194.92%	-257.66%	100.73%	-204.99%
Free Cash Flow Per Share	0.69	7.03	-6.00	4.13	-11.77
Levered Free Cash Flow	-43.51	-111.84	24.32	-49.7	138.53
Unlevered Free Cash Flow	6.32	-0.53	-6.18	-14.94	3.13

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