` Comparison: ACD, 8421 - Alpha Spread

ACD
vs
8421

Over the past 12 months, ACD has underperformed Shinkin Central Bank, delivering a return of -53% compared to the Shinkin Central Bank's 13% drop.

Valuation Growth Profitability Solvency Stocks Performance
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ACD
8421
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Stocks Compared:
ACD 8421
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Valuation Comparison

ACD Intrinsic Value
Not Available
Intrinsic Value
50 565.17 JPY
Overvaluation 73%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Accord Financial Corp
TSX:ACD
1.77 CAD
Shinkin Central Bank
TSE:8421
188 100 JPY
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
ACD, 8421

ACD
8421
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Accord Financial Corp
Revenue
Shinkin Central Bank
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
ACD, 8421

ACD
8421
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Accord Financial Corp
TSX:ACD
Shinkin Central Bank
TSE:8421
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ACD
0%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Accord Financial Corp
Shinkin Central Bank
Not applicable for financial companies

Operating Margin

ACD
35.9%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Accord Financial Corp
Shinkin Central Bank
Not applicable for financial companies

Net Margin

ACD
-9.5%
Shinkin Central Bank
20.5%

FCF Margin

ACD
-46.8%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Accord Financial Corp
Shinkin Central Bank
Not applicable for financial companies

ROE

ACD
-8.2%
Shinkin Central Bank
1.9%

ROA

ACD
-1.5%
Shinkin Central Bank
0.1%

ROIC

ACD
5.1%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Accord Financial Corp
Shinkin Central Bank
Not applicable for financial companies

ROCE

ACD
23%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Accord Financial Corp
Shinkin Central Bank
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ACD, 8421

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ACD
8421
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
ACD, 8421

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ACD
8421
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
ACD, 8421

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ACD
8421
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