Access Financial Services Cash Flow Statement

Financials in millions JMD. Fiscal year is April - March.

Millions JMD. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Net Income	471.31	503.95	340.18	301.05	428.99	265.69
Depreciation & Amortization	79.31	81.99	96.21	87.49	106.97	108.1
Other Amortization	8.33	8.33	10.34	16.91	10.42	10.25
Asset Writedown & Restructuring Costs	-	-	-	9.07	25.46	0.9
Provision for Credit Losses	416.38	443.24	480.79	396.11	283.21	388.34
Change in Accounts Payable	59.39	-	-	63.92	-	-87.28
Change in Other Net Operating Assets	-369.57	-952.98	-1,440	-862.47	-640.54	20.79
Other Operating Activities	16.26	107.71	58.42	8.34	68.2	-621.49
Operating Cash Flow	681.09	193.19	-458.86	20.02	282.13	85.29
Operating Cash Flow Growth	121.74%	-	-	-92.90%	230.80%	-77.62%
Capital Expenditures	-16.08	-17.22	-18.45	-25.25	-47.61	-24.64
Sale of Property, Plant & Equipment	0.31	0.5	4.85	1.36	2.49	0.47
Investment in Securities	-	-	-	-	5.35	-
Investing Cash Flow	-15.77	-16.72	-13.6	-23.89	-39.77	-24.17
Long-Term Debt Issued	-	1,852	1,312	3,146	970.5	-
Total Debt Issued	670.75	1,852	1,312	3,146	970.5	-
Long-Term Debt Repaid	-	-1,413	-900.53	-2,541	-1,270	-83.76
Net Debt Issued (Repaid)	-92.11	438.83	411.23	604.82	-299.84	-83.76
Common Dividends Paid	-120.78	-98.82	-98.82	-164.71	-150.98	-63.14
Financing Cash Flow	-212.89	340	312.41	440.11	-450.82	-146.9
Foreign Exchange Rate Adjustments	5.25	1.67	1.31	-121.38	16.85	53.66
Net Cash Flow	457.68	518.15	-158.74	314.86	-191.61	-32.12
Free Cash Flow	665.01	175.97	-477.31	-5.23	234.52	60.64
Free Cash Flow Growth	141.18%	-	-	-	286.71%	-82.32%
Free Cash Flow Margin	32.92%	9.04%	-28.10%	-0.34%	14.67%	4.37%
Free Cash Flow Per Share	2.42	0.64	-1.74	-0.02	0.85	0.22
Cash Interest Paid	413.67	384.51	355.76	282.79	220.5	241.46
Cash Income Tax Paid	221.36	201.75	171.45	108.81	67.41	22.2

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.