Access Financial Services Limited (JMSE:AFS)
Jamaica · Delayed Price · Currency is JMD 16.83
-1.70 (-9.17%)
At close: Sep 4, 2026
Access Financial Services Income Statement
Financials in millions JMD. Fiscal year is April - March.
Millions JMD. Fiscal year is Apr - Mar.
Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Interest and Dividend Income | 2,557 | 2,582 | 2,565 | 2,237 | 1,888 | 1,728 |
Total Interest Expense | 386.11 | 393.82 | 414.26 | 356.1 | 282.78 | 219.62 |
Net Interest Income | 2,171 | 2,189 | 2,151 | 1,881 | 1,605 | 1,508 |
Commissions and Fees | 202.72 | 221.3 | 264.37 | 297.76 | 309.04 | 372.75 |
Other Revenue | -0.02 | - | 0.03 | 1.19 | 1.35 | 1.2 |
Revenue Before Loan Losses | 2,374 | 2,410 | 2,415 | 2,180 | 1,916 | 1,882 |
Provision for Loan Losses | 533.26 | 567.59 | 443.24 | 480.79 | 396.11 | 283.21 |
| 1,841 | 1,842 | 1,972 | 1,699 | 1,519 | 1,599 | |
Revenue Growth | -8.85% | -6.57% | 16.07% | 11.81% | -4.98% | 15.24% |
Salaries & Employee Benefits | 750.59 | 734.21 | 679.16 | 644.25 | 710.92 | 690.36 |
Cost of Services Provided | 133.08 | 145.79 | 125.88 | 105.09 | 53.73 | 47.94 |
Other Operating Expenses | 350.21 | 327.63 | 268.28 | 273.25 | 223.88 | 152.37 |
Total Operating Expenses | 1,318 | 1,293 | 1,164 | 1,129 | 1,093 | 1,008 |
Operating Income | 522.56 | 549.3 | 808.19 | 569.72 | 426.49 | 590.95 |
Currency Exchange Gain (Loss) | -7.07 | -5.68 | -6.8 | 1.38 | -0.44 | -4.65 |
EBT Excluding Unusual Items | 515.49 | 543.62 | 801.39 | 571.1 | 426.05 | 586.29 |
Pretax Income | 487.81 | 543.62 | 801.39 | 571.1 | 416.98 | 560.83 |
Income Tax Expense | 161.71 | 185.1 | 281.08 | 230.92 | 115.93 | 131.84 |
Net Income | 326.1 | 358.51 | 520.31 | 340.18 | 301.05 | 428.99 |
Net Income to Common | 326.1 | 358.51 | 520.31 | 340.18 | 301.05 | 428.99 |
Net Income Growth | -41.17% | -31.10% | 52.95% | 13.00% | -29.82% | 61.46% |
Shares Outstanding (Basic) | 274 | 275 | 275 | 275 | 275 | 275 |
Shares Outstanding (Diluted) | 274 | 275 | 275 | 275 | 275 | 275 |
Shares Change | -0.29% | - | - | - | - | - |
EPS (Basic) | 1.19 | 1.31 | 1.90 | 1.24 | 1.10 | 1.56 |
EPS (Diluted) | 1.19 | 1.31 | 1.90 | 1.24 | 1.10 | 1.56 |
EPS Growth | -41.00% | -31.10% | 52.95% | 13.00% | -29.82% | 61.46% |
Additional Metrics
Fiscal Year | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Free Cash Flow | 520.11 | 628.6 | 204.08 | -477.31 | -5.23 | 234.52 |
Free Cash Flow Per Share | 1.90 | 2.29 | 0.74 | -1.74 | -0.02 | 0.85 |
Dividend Per Share | 0.400 | 0.400 | 0.360 | 0.360 | 0.420 | 0.650 |
Dividend Growth | 17.65% | 11.11% | 0% | -14.29% | -35.38% | 51.16% |
Operating Margin | 28.39% | 29.82% | 40.99% | 33.54% | 28.07% | 36.96% |
Profit Margin | 17.71% | 19.46% | 26.39% | 20.02% | 19.81% | 26.83% |
Free Cash Flow Margin | 28.25% | 34.12% | 10.35% | -28.10% | -0.34% | 14.67% |
Effective Tax Rate | 33.15% | 34.05% | 35.07% | 40.43% | 27.80% | 23.51% |