` Comparison: ACD, 8421 - Alpha Spread

ACD
vs
8421

Over the past 12 months, ACD has outperformed Shinkin Central Bank, delivering a return of -12% compared to the Shinkin Central Bank's 24% drop.

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ACD
8421
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

ACD Intrinsic Value
16.05 CAD
Undervaluation 78%
Intrinsic Value
Price
Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Accord Financial Corp
TSX:ACD
3.6 CAD
Shinkin Central Bank
TSE:8421
191 000 JPY
Valuation Scenario:
Bear Case
Base Case
Bull Case

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.

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
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
35.5%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Accord Financial Corp
Shinkin Central Bank
Not applicable for financial companies

Net Margin

ACD
-6.6%
Shinkin Central Bank
9%

FCF Margin

ACD
13.2%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Accord Financial Corp
Shinkin Central Bank
Not applicable for financial companies

ROE

ACD
-6.2%
Shinkin Central Bank
1.7%

ROA

ACD
-1.1%
Shinkin Central Bank
0.1%

ROIC

ACD
4.6%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Accord Financial Corp
Shinkin Central Bank
Not applicable for financial companies

ROCE

ACD
10.9%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
Accord Financial Corp
Shinkin Central Bank
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
ACD, 8421

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Performance Gap
ACD, 8421

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ACD
8421
Difference
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Performance By Year
ACD, 8421

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ACD
8421
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