Apna Microfinance Bank Limited (PSX:AMBL)
Pakistan · Delayed Price · Currency is PKR 19.51
+0.23 (1.19%)
At close: Nov 6, 2026
Apna Microfinance Bank Cash Flow Statement
Financials in millions PKR. Fiscal year is January - December.
Millions PKR. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | -1,575 | -1,648 | -3,100 | -3,594 | -4,489 | -1,931 |
Depreciation & Amortization | 235.99 | 223.8 | 284.47 | 337.71 | 269.3 | 292.33 |
Other Amortization | - | - | - | 9.48 | 8.58 | 7.01 |
Gain (Loss) on Sale of Assets | 0.06 | -5.57 | -4.15 | -3.91 | -0.4 | -4.63 |
Total Asset Writedown | - | - | 11.98 | - | - | - |
Provision for Credit Losses | 68.51 | 85.22 | -29 | 1,312 | 3,536 | 107.43 |
Change in Other Net Operating Assets | -1,460 | -2,333 | -745.19 | 597.97 | 116.48 | 100.75 |
Other Operating Activities | 31.15 | 26.01 | 36.75 | -22.35 | -402.61 | -825.22 |
Operating Cash Flow | -2,699 | -3,652 | -3,545 | -1,363 | -962.25 | -2,253 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | 4.09 | -2.03 | -6.77 | -4.81 | -36.8 | -69.59 |
Sale of Property, Plant and Equipment | 0.19 | 9.35 | 10.15 | 3.02 | 2.81 | 23.25 |
Investment in Securities | -303.8 | -695.03 | -600.7 | 1,212 | -1,206 | 444.16 |
Purchase / Sale of Intangibles | - | - | - | - | - | -48.23 |
Other Investing Activities | -245.38 | -238.38 | -259.93 | -256.25 | -233.83 | -180.68 |
Investing Cash Flow | -544.89 | -926.1 | -857.26 | 954.45 | -1,474 | 168.91 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Repaid | - | - | - | - | -0.47 | -2.99 |
Total Debt Repaid | - | - | - | - | -0.47 | -2.99 |
Net Debt Issued (Repaid) | - | - | - | - | -0.47 | -2.99 |
Issuance of Common Stock | - | 500 | 500 | 1,000 | - | 154.18 |
Net Increase (Decrease) in Deposit Accounts | 2,600 | 4,385 | 3,225 | -156.58 | 522.63 | -4,095 |
Financing Cash Flow | 2,600 | 4,885 | 3,725 | 843.42 | 522.15 | -3,944 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -644.22 | 307.3 | -677.76 | 434.54 | -1,914 | -6,028 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | -2,695 | -3,654 | -3,552 | -1,368 | -999.05 | -2,323 |
Free Cash Flow Growth | - | - | - | - | - | - |
Free Cash Flow Margin | -471.33% | -881.84% | - | - | - | - |
Free Cash Flow Per Share | -5.21 | -8.52 | -8.28 | -3.19 | -2.33 | -5.82 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | - | - | - | - | 5.88 | 4.37 |
Cash Income Tax Paid | - | - | - | 109.3 | 74.73 | 113.03 |