Access Financial Services Limited (JMSE:AFS)

Total Valuation

JMSE:AFS has a market cap or net worth of JMD 4.92 billion.

Market Cap	4.92B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, November 5, 2025.

Earnings Date	Nov 5, 2025
Ex-Dividend Date	Aug 15, 2025

Share Statistics

JMSE:AFS has 274.51 million shares outstanding. The number of shares has increased by 0.47% in one year.

Current Share Class	274.51M
Shares Outstanding	274.51M
Shares Change (YoY)	+0.47%
Shares Change (QoQ)	-0.00%
Owned by Insiders (%)	1.67%
Owned by Institutions (%)	5.29%
Float	31.11M

Valuation Ratios

The trailing PE ratio is 9.17.

PE Ratio	9.17
Forward PE	n/a
PS Ratio	2.47
PB Ratio	1.41
P/TBV Ratio	1.62
P/FCF Ratio	23.30
P/OCF Ratio	21.58
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 10.44, with a Debt / Equity ratio of 1.04.

Current Ratio	10.44
Quick Ratio	10.44
Debt / Equity	1.04
Debt / EBITDA	n/a
Debt / FCF	17.16
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 16.48%.

Return on Equity (ROE)	16.48%
Return on Assets (ROA)	7.03%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.26
Inventory Turnover	n/a

Taxes

In the past 12 months, JMSE:AFS has paid 286.21 million in taxes.

Income Tax	286.21M
Effective Tax Rate	34.73%

Stock Price Statistics

The stock price has decreased by -2.50% in the last 52 weeks. The beta is -0.22, so JMSE:AFS's price volatility has been lower than the market average.

Beta (5Y)	-0.22
52-Week Price Change	-2.50%
50-Day Moving Average	18.07
200-Day Moving Average	17.54
Relative Strength Index (RSI)	52.01
Average Volume (20 Days)	1,828

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 1.99 billion and earned 537.93 million in profits. Earnings per share was 1.96.

Revenue	1.99B
Gross Profit	1.98B
Operating Income	802.34M
Pretax Income	824.14M
Net Income	537.93M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.96

Balance Sheet

The company has 663.87 million in cash and 3.63 billion in debt, giving a net cash position of -2.96 billion or -10.79 per share.

Cash & Cash Equivalents	663.87M
Total Debt	3.63B
Net Cash	-2.96B
Net Cash Per Share	-10.79
Equity (Book Value)	3.49B
Book Value Per Share	12.73
Working Capital	6.37B

Cash Flow

In the last 12 months, operating cash flow was 228.19 million and capital expenditures -16.86 million, giving a free cash flow of 211.33 million.

Operating Cash Flow	228.19M
Capital Expenditures	-16.86M
Free Cash Flow	211.33M
FCF Per Share	0.77

Margins

Gross margin is 99.10%, with operating and profit margins of 40.22% and 26.96%.

Gross Margin	99.10%
Operating Margin	40.22%
Pretax Margin	41.31%
Profit Margin	26.96%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	10.59%

Dividends & Yields

This stock pays an annual dividend of 0.40, which amounts to a dividend yield of 2.23%.

Dividend Per Share	0.40
Dividend Yield	2.23%
Dividend Growth (YoY)	91.67%
Years of Dividend Growth	1
Payout Ratio	18.37%
Buyback Yield	-0.47%
Shareholder Yield	1.76%
Earnings Yield	10.92%
FCF Yield	4.29%

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	6