Access Financial Services Cash Flow Statement

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

Millions JMD. Fiscal year is Apr - Mar.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Net Income	358.51	503.95	340.18	301.05	428.99
Depreciation & Amortization	85.3	81.99	96.21	87.49	106.97
Other Amortization	-	8.33	10.34	16.91	10.42
Asset Writedown & Restructuring Costs	-	-	-	9.07	25.46
Provision for Credit Losses	567.59	443.24	480.79	396.11	283.21
Change in Accounts Payable	-	-	-	63.92	-
Change in Other Net Operating Assets	-333.84	-952.98	-1,440	-862.47	-640.54
Other Operating Activities	-11.52	107.71	58.42	8.34	68.2
Operating Cash Flow	668.14	193.19	-458.86	20.02	282.13
Operating Cash Flow Growth	245.84%	-	-	-92.90%	230.80%
Capital Expenditures	-39.54	-17.22	-18.45	-25.25	-47.61
Sale of Property, Plant & Equipment	-	0.5	4.85	1.36	2.49
Investment in Securities	-	-	-	-	5.35
Investing Cash Flow	-39.54	-16.72	-13.6	-23.89	-39.77
Long-Term Debt Issued	1,230	1,852	1,312	3,146	970.5
Total Debt Issued	1,230	1,852	1,312	3,146	970.5
Long-Term Debt Repaid	-1,536	-1,413	-900.53	-2,541	-1,270
Net Debt Issued (Repaid)	-306.38	438.83	411.23	604.82	-299.84
Common Dividends Paid	-115.29	-98.82	-98.82	-164.71	-150.98
Other Financing Activities	-29.9	-	-	-	-
Financing Cash Flow	-451.57	340	312.41	440.11	-450.82
Foreign Exchange Rate Adjustments	-3.9	1.67	1.31	-121.38	16.85
Net Cash Flow	173.13	518.15	-158.74	314.86	-191.61
Free Cash Flow	628.6	175.97	-477.31	-5.23	234.52
Free Cash Flow Growth	257.21%	-	-	-	286.71%
Free Cash Flow Margin	31.52%	9.04%	-28.10%	-0.34%	14.67%
Free Cash Flow Per Share	2.30	0.64	-1.74	-0.02	0.85
Cash Interest Paid	-	384.51	355.76	282.79	220.5
Cash Income Tax Paid	-	201.75	171.45	108.81	67.41