{"id":16458,"date":"2025-05-14T16:01:49","date_gmt":"2025-05-14T21:01:49","guid":{"rendered":"https:\/\/accordfinancial.com\/staging\/?p=16458"},"modified":"2025-05-14T16:01:49","modified_gmt":"2025-05-14T21:01:49","slug":"accord-announces-first-quarter-financial-results-2025","status":"publish","type":"post","link":"https:\/\/accordfinancial.com\/staging\/accord-announces-first-quarter-financial-results-2025\/","title":{"rendered":"Accord Announces First Quarter Financial Results"},"content":{"rendered":"\n

Summary of Financial Results<\/h2>\n\n\n\n
\n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
<\/th>\n Three Months Ended
March 31<\/th>\n <\/tr>\n
<\/th>\n 2025<\/th>\n 2024<\/th>\n <\/tr>\n
<\/th>\n $<\/th>\n $<\/th>\n <\/tr>\n <\/thead>\n
Average funds employed (millions)<\/td>\n 379<\/td>\n 460<\/td>\n <\/tr>\n
Revenue (000s)<\/td>\n 15,509<\/td>\n 20,666<\/td>\n <\/tr>\n
Net earnings (loss) attributable to shareholders (000s)<\/td>\n (1,346)<\/td>\n 632<\/td>\n <\/tr>\n
Adjusted net earnings (loss) (000s) (note)<\/td>\n (1,178)<\/td>\n 1,532<\/td>\n <\/tr>\n
Earnings (loss) per common share (basic and diluted)<\/td>\n (0.16)<\/td>\n 0.07<\/td>\n <\/tr>\n
Adjusted earnings (loss) per common share (basic and diluted)<\/td>\n (0.14)<\/td>\n 0.18<\/td>\n <\/tr>\n <\/tbody>\n
<\/th>\n <\/tr>\n
\n Book value per share (March 31)\n <\/th>\n \n $ 9.29\n <\/th>\n \n $ 9.90*\n <\/th>\n <\/tr>\n <\/tfoot>\n <\/table>\n

* includes $0.35 of intangible assets<\/p>\n <\/div>\n<\/section>\n\n\n\n

The Company\u2019s President and CEO, Mr. Simon Hitzig, commented: \u201cThroughout 2024 Accord completed important strategic initiatives to streamline the business, control operating expenses and position the Company for a stronger 2025. However, the uncertain business environment continues to weigh on many companies in our core markets. In addition to tempering our credit appetite, the impact of unpredictable trade and economic conditions on our borrowers warrant an elevated allowance for expected credit losses.\u201d<\/p>\n\n\n\n

Accord\u2019s finance receivables and loans grew 7.6% in the quarter, closing at $385 million on March 31, 2025, up from $358 million at the start of the year, but down from $447 million on March 31, 2024 (impacted by the sale of the AEF portfolio in September 2024). Average funds employed during the quarter dropped to $379 million compared to $460 million in the same period last year. Reflecting the year-over-year decline in average funds employed, and lower average yields, first quarter revenue came in at $15.5 million compared to $20.7 million in the same quarter last year.<\/p>\n\n\n\n

In tandem with the decline in the portfolio, the Company made progress reducing overhead, with first quarter general and administrative expenses coming in at $7.5 million versus $9.5 million in the same period last year. The Company\u2019s cost-control measures led to a pre-provision operating profit, however, the $2.6 million provision for credit losses tipped the Company to a first quarter net loss attributable to shareholders of $1.3 million, compared to net earnings of $632,000 in the first quarter of 2024. The loss of 16 cents per common share caused book value per share to slip to $9.29.<\/p>\n\n\n\n

Within the first quarter provision, actual write-offs of $1.1 million were a significant improvement over the same period last year ($1.6 million) and the fourth quarter of 2024 ($10.8 million). To reflect the economic challenges facing a number of our clients, the provision also includes a $1.5 million non-cash increase in the allowance for expected credit losses, which now sits at $9.6 million on the balance sheet, compared to $8.0 million at the start of the year. <\/p>\n\n\n\n

Commenting further Mr. Hitzig said, \u201cLeveraging a more streamlined organization, Accord\u2019s portfolio grew in the first quarter, while our overhead declined. Now we\u2019re looking ahead, focused on further strategic initiatives in 2025, including potential additional asset sales, and negotiating to refinance the Company\u2019s main bank facility in late July.\u201d<\/p>\n\n\n\n

About Accord Financial Corp.<\/h2>\n\n\n\n

Accord Financial is one of North America\u2019s most dynamic commercial finance companies providing fast, versatile financing solutions including asset-based lending, factoring, inventory finance, equipment finance (Canada), trade finance and film\/media finance. By leveraging our unique combination of financial strength, deep experience and independent thinking, we craft winning financial solutions for small and medium-sized businesses, simply delivered, so our clients can thrive.<\/p>\n\n\n\n

For further information please visit www.accordfinancial.com<\/a> or contact:<\/strong><\/p>\n\n\n\n

Irene Eddy<\/strong>
Senior Vice President, Chief Financial Officer
Accord Financial Corp.
40 Eglinton Avenue East, Suite 602
Toronto, ON M4P 3A2
(416) 961-0304<\/a>
ieddy@accordfinancial.com<\/a><\/p>\n\n\n\n

\n\n\n\n

Note: Non-IFRS measures<\/strong><\/p>\n\n\n\n

The Company\u2019s financial statements have been prepared in accordance with IFRS. The Company uses a number of other financial measures to monitor its performance and believes that these measures may be useful to investors in evaluating the Company\u2019s operating performance and financial position. These measures may not have standardized meanings or computations as prescribed by IFRS that would ensure consistency between companies using these measures and are, therefore, considered to be non-IFRS measures. The non-IFRS measures presented in this press release are as follows:<\/p>\n\n\n\n

    \n
  1. Adjusted net earnings, adjusted net loss and adjusted EPS\/LPS. The Company derives these measures from amounts presented in its IFRS prepared financial statements. Adjusted net earnings (loss) comprise shareholders\u2019 net earnings before net single account loss (in 2023 and 2024), professional fees related to bank negotiations (2024), stock-based compensation, business acquisition expenses (primarily amortization of intangible assets) and restructuring expenses. Adjusted EPS (basic and diluted) is adjusted net earnings (loss) divided by the weighted average number of common shares outstanding (basic and diluted) in the period. Management believes adjusted net earnings is a more appropriate measure of operating performance as it excludes items which do not relate to ongoing operating activities. The following table provides a reconciliation of the Company\u2019s net earnings to adjusted net earnings:
     <\/th>Three Months Ended
    March 31<\/th><\/tr>
     <\/th>2025<\/th>2024<\/th><\/tr>
     <\/th>$\u2019000<\/th>$\u2019000<\/th><\/tr><\/thead>
    Shareholders\u2019 net earnings (loss)<\/td>(1,346)<\/td>632<\/td><\/tr>
    Adjustments, net of tax:<\/td> <\/td> <\/td><\/tr>
       Costs associated with single account write-off <\/td>72<\/td>803<\/td><\/tr>
       Restructuring and other expenses<\/td>96<\/td>97<\/td><\/tr><\/tbody>
    <\/th><\/tr>
    Adjusted net earnings <\/th>(1,178)<\/th>1,532<\/th><\/tr><\/tfoot><\/table><\/div><\/section><\/li>\n\n\n\n
  2. Book value per share \u2013 book value is shareholders\u2019 equity and is the same as the net asset value (calculated as total assets minus total liabilities) of the Company less non-controlling interests. Book value per share is the book value or shareholders\u2019 equity divided by the number of common shares outstanding as of a particular date.<\/li>\n\n\n\n
  3. Funds employed are the Company\u2019s finance receivables and loans, an IFRS measure. Average funds employed are the average finance receivables and loans calculated over a particular period.<\/li>\n<\/ol>\n\n\n\n

    Forward-Looking Statements<\/strong><\/p>\n\n\n\n

    This news release contains certain “forward-looking statements” and certain “forward-looking information” as defined under applicable Canadian securities laws. Forward-looking statements can generally be identified by the use of forward-looking terminology such as “may”, “will”, “expect”, “intend”, “estimate”, “anticipate”, “believe”, “continue”, “plans” or similar terminology. Forward-looking statements in this news release include, but are not limited to, statements, management’s beliefs, expectations or intentions regarding the financial position of the Company, and the duration of the suspension of the quarterly dividend announced in November 2023. Forward-looking statements are based on forecasts of future results, estimates of amounts not yet determinable and assumptions that while believed by management to be reasonable, are inherently subject to significant business, economic and competitive uncertainties and contingencies. Forward-looking statements are subject to various risks and uncertainties including the ability of the Company to reinstate dividends and those risks identified in the Accord’s periodic filings with Canadian securities regulators. See Accord’s most recent annual information form and most recent management\u2019s discussion and analysis of results of operations and financial condition for a detailed discussion of the risk factors affecting Accord. Such forward-looking information represents management’s best judgment based on information currently available. No forward-looking statement can be guaranteed and actual future results may vary materially. Accordingly, readers are advised not to place undue reliance on forward-looking statements or information.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Summary of Financial Results Three Months Ended March 31 2025 2024 $ $ Average funds employed…<\/p>\n","protected":false},"author":1,"featured_media":3758,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[139],"tags":[],"location":[8],"class_list":["post-16458","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-releases","location-toronto"],"acf":[],"yoast_head":"\n05\/14\/2025 | Accord Announces First Quarter Financial Results | Accord Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/accordfinancial.com\/staging\/accord-announces-first-quarter-financial-results-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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