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Access Bank (Ghana) Plc (GHSE:ACCESS)
Ghana flag Ghana · Delayed Price · Currency is GHS
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0.00 (0.00%)
Price not available due to exchange restrictions

Access Bank (Ghana) Financials Overview

Millions GHS. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
1,3791,4321,5801,486-113.28727.61
Revenue Growth
-15.08%-9.38%6.36%--28.32%
Net Income
256.56286.47536.91618.47-338.14321.58
Earnings Per Share
1.481.653.093.56-1.941.85
EPS Growth
-46.47%-46.64%-13.19%--35.93%

Revenue by Segment
Chart
Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Institutional Banking
372.24315.33191.3685.81100.62
Commercial Banking
147.54133.76101.8851.0750.73
Personal and Business Banking
423.89854.54250.62382.92260.61
Treasury and Investment Banking
450.5793.281,069630.97419.88
Total
1,3941,3971,6131,151831.84

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
4,9321,3392,9441,8492,7241,685
Total Debt
894.13885.791,0251,140888.34822.72
Net Cash (Debt)
4,038452.861,919708.211,835861.79
Net Cash Growth
-29.39%-76.41%171.02%-61.41%112.98%-51.41%
Net Cash Per Share
23.232.6011.034.0710.554.95

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
1,241635.5-587.14-2,604423.79-1,075
Capital Expenditures
-51.01-85.66-233.52-88.88-52.88-99.3
Free Cash Flow
1,190549.85-820.66-2,693370.9-1,175
Free Cash Flow Growth
-32.27%-----

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
18.61%20.00%33.98%41.63%-44.20%
FCF Margin
86.31%38.40%-51.93%-181.27%--161.44%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.6240.6240.364-0.7940.793
Dividend Per Share Growth
-71.22%--0.19%244.73%
Dividend Yield
3.02%3.85%7.16%-20.22%37.70%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
14.019.841.690.96-1.70
P/FCF Ratio
3.025.13--1.88-
PS Ratio
2.611.970.570.40-6.160.75