Access Financial Services Limited (JMSE:AFS)

Access Financial Services Statistics

Total Valuation

JMSE:AFS has a market cap or net worth of JMD 5.35 billion.

Market Cap	5.35B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, November 5, 2025.

Earnings Date	Nov 5, 2025
Ex-Dividend Date	Nov 28, 2025

Share Statistics

JMSE:AFS has 274.51 million shares outstanding. The number of shares has decreased by -0.11% in one year.

Current Share Class	274.51M
Shares Outstanding	274.51M
Shares Change (YoY)	-0.11%
Shares Change (QoQ)	+0.15%
Owned by Insiders (%)	1.67%
Owned by Institutions (%)	5.29%
Float	31.11M

Valuation Ratios

The trailing PE ratio is 9.90.

PE Ratio	9.90
Forward PE	n/a
PS Ratio	2.46
PB Ratio	1.51
P/TBV Ratio	1.74
P/FCF Ratio	11.80
P/OCF Ratio	11.20
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 10.31, with a Debt / Equity ratio of 1.15.

Current Ratio	10.31
Quick Ratio	10.31
Debt / Equity	1.15
Debt / EBITDA	n/a
Debt / FCF	8.94
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 16.26%.

Return on Equity (ROE)	16.26%
Return on Assets (ROA)	6.71%
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	226
Asset Turnover	0.27
Inventory Turnover	n/a

Taxes

In the past 12 months, JMSE:AFS has paid 277.63 million in taxes.

Income Tax	277.63M
Effective Tax Rate	33.94%

Stock Price Statistics

The stock price has decreased by -0.05% in the last 52 weeks. The beta is -0.09, so JMSE:AFS's price volatility has been lower than the market average.

Beta (5Y)	-0.09
52-Week Price Change	-0.05%
50-Day Moving Average	18.19
200-Day Moving Average	17.47
Relative Strength Index (RSI)	54.33
Average Volume (20 Days)	2,123

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 2.17 billion and earned 540.31 million in profits. Earnings per share was 1.97.

Revenue	2.17B
Gross Profit	2.16B
Operating Income	795.28M
Pretax Income	817.94M
Net Income	540.31M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.97

Balance Sheet

The company has 1.06 billion in cash and 4.06 billion in debt, giving a net cash position of -3.00 billion or -10.92 per share.

Cash & Cash Equivalents	1.06B
Total Debt	4.06B
Net Cash	-3.00B
Net Cash Per Share	-10.92
Equity (Book Value)	3.54B
Book Value Per Share	12.84
Working Capital	6.80B

Cash Flow

In the last 12 months, operating cash flow was 477.83 million and capital expenditures -24.24 million, giving a free cash flow of 453.59 million.

Operating Cash Flow	477.83M
Capital Expenditures	-24.24M
Free Cash Flow	453.59M
FCF Per Share	1.65

Margins

Gross margin is 99.17%, with operating and profit margins of 36.58% and 24.85%.

Gross Margin	99.17%
Operating Margin	36.58%
Pretax Margin	37.62%
Profit Margin	24.85%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	20.86%

Dividends & Yields

This stock pays an annual dividend of 0.40, which amounts to a dividend yield of 2.05%.

Dividend Per Share	0.40
Dividend Yield	2.05%
Dividend Growth (YoY)	-11.11%
Years of Dividend Growth	1
Payout Ratio	23.37%
Buyback Yield	0.11%
Shareholder Yield	2.16%
Earnings Yield	10.09%
FCF Yield	8.47%

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	4