Accord Financial Cash Flow 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 Income	-34.78	-32.74	-2.45	-15.39	1.65	13.22
Depreciation & Amortization	0.48	0.49	0.67	0.7	0.83	0.84
Provision for Credit Losses	19.65	21.92	16.18	24.48	8.29	-1.55
Stock-Based Compensation	-0.01	0	0.12	0.17	0.19	0.09
Net Change in Loans Held-for-Sale	85.4	0.56	48.57	-51.57	36.48	-118.83
Other Adjustments	9.79	8.97	-1.69	0.8	3.7	3.2
Changes in Accounts Payable	3.84	-1.22	0.45	-0.34	-13.78	1.73
Changes in Other Operating Activities	1.49	7.08	-1.25	-6.31	-1.82	0.65
Operating Cash Flow	86.66	5.91	60.57	-51.12	35.54	-100.66
Operating Cash Flow Growth	974.61%	-90.24%	-	-	-	-
Proceeds from Business Divestments	47.26	-	60.65	-	-	-
Capital Expenditures	-0.03	-0.03	-0.4	-0.24	-0.18	-0.08
Investing Cash Flow	47.23	-0.03	60.25	-0.24	-0.18	-0.08
Short-Term Debt Issued	-98.03	3.08	-136.01	66.47	6.68	-2.41
Net Short-Term Debt Issued (Repaid)	-98.03	3.08	-136.01	66.47	6.68	-2.41
Long-Term Debt Issued	-9.05	-0.1	55.27	0.92	-42.39	126.39
Long-Term Debt Repaid	-19.39	-22.85	-27.43	-22.27	-0.48	-0.46
Net Long-Term Debt Issued (Repaid)	-28.44	-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	-126.47	-19.87	-108.17	43.19	-37.27	120.38
Effect of Exchange Rate Changes on Cash and Cash Equivalents	4.24	4.3	-5.67	-0.4	0.05	-0.04
Net Cash Flow	11.66	-9.68	6.98	-8.56	-5.89	18.6
Free Cash Flow	86.64	5.89	60.17	-51.35	35.37	-100.74
Free Cash Flow Growth	1372.13%	-90.22%	-	-	-	-
FCF Margin	1700.39%	86.66%	194.92%	-257.66%	100.73%	-208.97%
Free Cash Flow Per Share	10.12	0.69	7.03	-6.00	4.13	-11.77
Levered Free Cash Flow	-152.55	-43.51	-111.84	24.32	-49.7	138.53
Unlevered Free Cash Flow	5.78	6.32	-0.53	-6.18	-14.94	3.13

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