{"id":4769,"date":"2021-03-10T17:27:00","date_gmt":"2021-03-10T22:27:00","guid":{"rendered":"https:\/\/accordfinancial.com\/staging\/?p=4769"},"modified":"2025-01-06T14:06:33","modified_gmt":"2025-01-06T20:06:33","slug":"accord-announces-fourth-quarter-and-fiscal-2020-results","status":"publish","type":"post","link":"https:\/\/accordfinancial.com\/staging\/accord-announces-fourth-quarter-and-fiscal-2020-results\/","title":{"rendered":"Accord Announces Fourth Quarter and Fiscal 2020 Results"},"content":{"rendered":"\n
<\/div>\n\n\n\n
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Summary of Financial Results<\/h2>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\n\n\n\n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n
<\/th>\n Three Months Ended Dec. 31<\/th>\n Year Ended Dec. 31<\/th>\n <\/tr>\n
<\/th>\n 2020<\/th>\n 2019<\/th>\n 2020<\/th>\n 2019<\/th>\n <\/tr>\n
<\/th>\n $<\/th>\n $<\/th>\n $<\/th>\n $<\/th>\n <\/tr>\n <\/thead>\n
Average funds employed (millions)<\/strong><\/td>\n 360<\/td>\n 395<\/td>\n 347<\/td>\n 378<\/td>\n <\/tr>\n
Revenue (000\u2019s)<\/strong><\/td>\n 12,903<\/td>\n 14,297<\/td>\n 48,501<\/td>\n 56,175<\/td>\n <\/tr>\n
Net earnings (loss) attributable to shareholders (000\u2019s)<\/strong><\/td>\n 1,384<\/td>\n (658)<\/td>\n 417<\/td>\n 6,444<\/td>\n <\/tr>\n
Adjusted net earnings (loss) (000\u2019s) (note)<\/strong><\/td>\n 2,095<\/td>\n (2,136)<\/td>\n 2,032<\/td>\n 4,939<\/td>\n <\/tr>\n
Earnings (loss) per common share (basic and diluted)<\/strong><\/td>\n 0.16<\/td>\n (0.08)<\/td>\n 0.05<\/td>\n 0.76<\/td>\n <\/tr>\n
Adjusted earnings (loss) per common share (basic and diluted)<\/strong><\/td>\n 0.24<\/td>\n (0.25)<\/td>\n 0.24<\/td>\n 0.58<\/td>\n <\/tr>\n
Book value per share (December 31)<\/strong><\/td>\n <\/td>\n <\/td>\n $10.50<\/td>\n $10.77<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n<\/figure>\n\n\n\n
<\/div>\n\n\n\n

\u201cAfter several years of strategic change and top line growth, Accord\u2019s profit was sideswiped by the economic downturn caused by the Covid-19 pandemic. Our financial strength allowed us to battle the enormous headwinds shoulder to shoulder with our clients \u2013 supporting many with innovative solutions and much-needed capital.\u201d said President and CEO Simon Hitzig. <\/p>\n\n\n\n

The Covid-19 induced economic turmoil slowed new business originations, which, combined with lower borrowings from many of the Company\u2019s existing clients, caused average funds employed to decline to $347 million in 2020 from $378 million last year. Average yields also declined, reflecting lower interest rates generally in The United States and Canada. These factors combined to drive revenue down to $48,501,000 in 2020 from $56,175,000 in 2019. <\/p>\n\n\n\n

As growth picked up in the fourth quarter, net earnings attributable to shareholders (\u201cshareholders\u2019 net earnings\u201d) turned positive for the year, finishing 2020 at $417,000 compared with $6,444,000 in 2019. Lower revenue and an increased provision for losses were the main drivers of the decline in net earnings. Earnings Per Common Share (\u201cEPS\u201d) were $0.05 compared to $0.76 last year. Adjusted net earnings were $2,032,000 in 2020 compared to $4,939,000 in 2019. Adjusted EPS declined to $0.24 compared to $0.58 in the previous year. Book value per share was $10.50 at year-end. <\/p>\n\n\n\n

After reaching a low point for the year in early summer, funds employed grew over the second half. Average funds employed grew from $327 million in the third quarter to $360 million in the fourth quarter, with revenue keeping pace with portfolio growth. Compared to the fourth quarter of 2019, however, revenue declined by 10% to $12,903,000 from $14,297,000. <\/p>\n\n\n\n

Fourth quarter performance made progress towards recapturing the Company\u2019s pre-Covid earnings momentum. Shareholders\u2019 net earnings were $1,384,000 compared to a net loss of $658,000 in the fourth quarter last year. Net earnings improved mainly due to a reduced provision for losses. EPS was 16 cents compared to a Loss Per Common Share (\u201cLPS\u201d) of 8 cents last year. Adjusted net earnings were $2,095,000 in the fourth quarter compared to an adjusted net loss of $2,136,000 in the same period last year. Adjusted EPS was 24 cents compared to an adjusted LPS of 25 cents in last year\u2019s fourth quarter. <\/p>\n\n\n\n

Commenting further on 2020\u2019s results, Mr. Hitzig stated: \u201cThe long round trip, from peak to trough, and back to our previous growth path, left us with little to show for our efforts. Given the extreme economic disruption, we take some solace in the fact that the Company finished the year with a small profit, extending our streak of annual profits to thirty-nine years. I\u2019m proud of the support we provided to our clients, and confident we are positioned to deliver stronger results for our shareholders in 2021.\u201d <\/p>\n\n\n\n

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About Accord Financial Corp.<\/h2>\n\n\n\n
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Accord Financial is North America\u2019s most dynamic commercial finance company providing fast, versatile financing solutions for companies in transition including factoring, inventory finance, equipment leasing, 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. For 43 years, Accord has helped businesses manage their cash flows and maximize financial opportunities. <\/p>\n\n\n\n

<\/div>\n\n\n\n

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

Stuart Adair 
Senior Vice President, Chief Financial Officer 
Accord Financial Corp. 
602 – 40 Eglinton Avenue East 
Toronto, ON M4P 3A2 
(416) 961-0304 Ext. 207 
sadair@accordfinancial.com <\/p>\n\n\n\n

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Note: Non-IFRS Measures<\/h2>\n\n\n\n
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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

1) Adjusted net earnings and adjusted EPS. The Company derives these measures from amounts presented in its IFRS prepared financial statements. Adjusted net earnings comprise shareholders\u2019 net earnings before stock-based compensation, business acquisition expenses (transaction and integration costs and amortization of intangible assets) and restructuring expenses. Adjusted EPS (basic and diluted) is adjusted net earnings 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: <\/p>\n\n\n\n

<\/div>\n\n\n\n
\n \n \n \n \n \n \n \n \n \n \n \n \n
<\/th>\n Three Months Ended Dec. 31<\/th>\n Year Ended Dec. 31<\/th>\n <\/tr>\n
<\/th>\n 2020<\/th>\n 2019<\/th>\n 2020<\/th>\n 2019<\/th>\n <\/tr>\n
<\/th>\n $’000<\/th>\n $’000<\/th>\n $’000<\/th>\n $’000<\/th>\n <\/tr>\n <\/thead>\n
Shareholders\u2019 net earnings<\/strong><\/td>\n 1,384<\/td>\n (658)<\/td>\n 417<\/td>\n 6,444<\/td>\n <\/tr>\n
Adjustments, net of tax<\/strong><\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/tr>\n
Restructuring expenses<\/strong><\/td>\n 657<\/td>\n –<\/td>\n 1,395<\/td>\n –<\/td>\n <\/tr>\n
Business acquisition expenses<\/strong><\/td>\n 54<\/td>\n (1,222)<\/td>\n 220<\/td>\n (1,381)<\/td>\n <\/tr>\n
Stock-based compensation<\/strong><\/td>\n –<\/td>\n (256)<\/td>\n –<\/td>\n 124<\/td>\n <\/tr>\n
Adjusted net earnings<\/strong><\/td>\n 2,095<\/td>\n (2,136)<\/td>\n 2,032<\/td>\n 4,939<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n<\/figure>\n\n\n\n
<\/div>\n\n\n\n
<\/div>\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 divided by the number of common shares outstanding as of a particular date. <\/p>\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. <\/p>\n\n\n\n

<\/div>\n\n\n\n
<\/div>\n","protected":false},"excerpt":{"rendered":"

Accord Financial Corp. (TSX \u2013 ACD) today released its financial results for the fourth quarter and year ended December 31, 2020. The financial figures presented in this release are reported in Canadian dollars and have been prepared in accordance with International Financial Reporting Standards.<\/p>\n","protected":false},"author":1,"featured_media":4255,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[139],"tags":[],"location":[],"class_list":["post-4769","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-releases"],"acf":[],"yoast_head":"\n03\/10\/2021 | Accord Announces Fourth Quarter and Fiscal 2020 Results | Accord Financial<\/title>\n<meta name=\"description\" content=\"Accord financial results - Fourth quarter and 2020 fiscal year end results, progressing towards pre-Covid earnings momentum.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/accordfinancial.com\/staging\/accord-announces-fourth-quarter-and-fiscal-2020-results\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"03\/10\/2021 | Accord Announces Fourth Quarter and Fiscal 2020 Results | Accord Financial\" \/>\n<meta property=\"og:description\" content=\"Accord financial results - 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