Access Financial Services Limited (JMSE:AFS)

Access Financial Services Statistics

Total Valuation

JMSE:AFS has a market cap or net worth of JMD 4.74 billion.

Market Cap	4.74B
Enterprise Value	n/a

Important Dates

The last earnings date was Friday, February 13, 2026.

Earnings Date	Feb 13, 2026
Ex-Dividend Date	Feb 20, 2026

Share Statistics

JMSE:AFS has 274.51 million shares outstanding. The number of shares has increased by 0.82% in one year.

Current Share Class	274.51M
Shares Outstanding	274.51M
Shares Change (YoY)	+0.82%
Shares Change (QoQ)	+1.01%
Owned by Insiders (%)	1.67%
Owned by Institutions (%)	5.29%
Float	31.11M

Valuation Ratios

The trailing PE ratio is 10.08.

PE Ratio	10.08
Forward PE	n/a
PS Ratio	2.34
PB Ratio	1.32
P/TBV Ratio	1.51
P/FCF Ratio	7.12
P/OCF Ratio	6.95
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 10.06, with a Debt / Equity ratio of 1.10.

Current Ratio	10.06
Quick Ratio	10.06
Debt / Equity	1.10
Debt / EBITDA	n/a
Debt / FCF	5.95
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.85% and return on invested capital (ROIC) is 6.25%.

Return on Equity (ROE)	13.85%
Return on Assets (ROA)	5.80%
Return on Invested Capital (ROIC)	6.25%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	1.93%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	226
Asset Turnover	0.25
Inventory Turnover	n/a

Taxes

In the past 12 months, JMSE:AFS has paid 253.53 million in taxes.

Income Tax	253.53M
Effective Tax Rate	34.98%

Stock Price Statistics

The stock price has decreased by -4.96% in the last 52 weeks. The beta is -0.13, so JMSE:AFS's price volatility has been lower than the market average.

Beta (5Y)	-0.13
52-Week Price Change	-4.96%
50-Day Moving Average	17.75
200-Day Moving Average	17.53
Relative Strength Index (RSI)	35.39
Average Volume (20 Days)	561

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, JMSE:AFS had revenue of JMD 2.02 billion and earned 471.31 million in profits. Earnings per share was 1.71.

Revenue	2.02B
Gross Profit	2.00B
Operating Income	727.71M
Pretax Income	724.84M
Net Income	471.31M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.71

Balance Sheet

The company has 1.22 billion in cash and 3.96 billion in debt, with a net cash position of -2.74 billion or -10.00 per share.

Cash & Cash Equivalents	1.22B
Total Debt	3.96B
Net Cash	-2.74B
Net Cash Per Share	-10.00
Equity (Book Value)	3.59B
Book Value Per Share	13.07
Working Capital	6.74B

Cash Flow

In the last 12 months, operating cash flow was 681.09 million and capital expenditures -16.08 million, giving a free cash flow of 665.01 million.

Operating Cash Flow	681.09M
Capital Expenditures	-16.08M
Free Cash Flow	665.01M
FCF Per Share	2.42

Margins

Gross margin is 99.11%, with operating and profit margins of 36.03% and 23.33%.

Gross Margin	99.11%
Operating Margin	36.03%
Pretax Margin	35.89%
Profit Margin	23.33%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	32.93%

Dividends & Yields

This stock pays an annual dividend of 0.40, which amounts to a dividend yield of 2.58%.

Dividend Per Share	0.40
Dividend Yield	2.58%
Dividend Growth (YoY)	16.67%
Years of Dividend Growth	2
Payout Ratio	25.63%
Buyback Yield	-0.82%
Shareholder Yield	1.76%
Earnings Yield	9.95%
FCF Yield	14.04%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	7