Access Financial Services Limited (JMSE:AFS)
Jamaica
· Delayed Price · Currency is JMD 17.99
-0.01 (-0.06%)
At close: Dec 4, 2025
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 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2016 - 2020 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Mar '25 Mar 31, 2025 | Mar '24 Mar 31, 2024 | Mar '23 Mar 31, 2023 | Mar '22 Mar 31, 2022 | Mar '21 Mar 31, 2021 | 2016 - 2020 |
| Interest and Dividend Income | 2,617 | 2,540 | 2,237 | 1,888 | 1,728 | 1,526 | Upgrade
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| Total Interest Expense | 423.73 | 414.26 | 356.1 | 282.78 | 219.62 | 256.83 | Upgrade
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| Net Interest Income | 2,193 | 2,126 | 1,881 | 1,605 | 1,508 | 1,269 | Upgrade
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| Commissions and Fees | 238.59 | 264.37 | 297.76 | 309.04 | 372.75 | 412.55 | Upgrade
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| Other Revenue | 0.03 | 0.03 | 1.19 | 1.35 | 1.2 | 0.94 | Upgrade
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| Revenue Before Loan Losses | 2,431 | 2,391 | 2,180 | 1,916 | 1,882 | 1,683 | Upgrade
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| Provision for Loan Losses | 392.73 | 443.24 | 480.79 | 396.11 | 283.21 | 294.99 | Upgrade
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| Revenue | 2,039 | 1,947 | 1,699 | 1,519 | 1,599 | 1,388 | Upgrade
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| Revenue Growth (YoY) | 13.10% | 14.62% | 11.81% | -4.98% | 15.24% | -21.69% | Upgrade
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| Salaries & Employee Benefits | 699.19 | 679.16 | 644.25 | 710.92 | 690.36 | 670.51 | Upgrade
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| Cost of Services Provided | 152.34 | 125.88 | 105.09 | 53.73 | 47.94 | 39.39 | Upgrade
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| Other Operating Expenses | 303.79 | 268.28 | 273.25 | 223.88 | 152.37 | 204.29 | Upgrade
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| Total Operating Expenses | 1,243 | 1,164 | 1,129 | 1,093 | 1,008 | 1,033 | Upgrade
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| Operating Income | 795.28 | 783.66 | 569.72 | 426.49 | 590.95 | 355.06 | Upgrade
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| Currency Exchange Gain (Loss) | -5.02 | -6.8 | 1.38 | -0.44 | -4.65 | -12.85 | Upgrade
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| EBT Excluding Unusual Items | 790.26 | 776.85 | 571.1 | 426.05 | 586.29 | 342.21 | Upgrade
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| Pretax Income | 817.94 | 776.85 | 571.1 | 416.98 | 560.83 | 341.31 | Upgrade
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| Income Tax Expense | 277.64 | 272.9 | 230.92 | 115.93 | 131.84 | 75.62 | Upgrade
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| Net Income | 540.3 | 503.95 | 340.18 | 301.05 | 428.99 | 265.69 | Upgrade
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| Net Income to Common | 540.3 | 503.95 | 340.18 | 301.05 | 428.99 | 265.69 | Upgrade
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| Net Income Growth | 77.89% | 48.14% | 13.00% | -29.82% | 61.46% | -19.43% | Upgrade
|
| Shares Outstanding (Basic) | 275 | 275 | 275 | 275 | 275 | 275 | Upgrade
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| Shares Outstanding (Diluted) | 275 | 275 | 275 | 275 | 275 | 275 | Upgrade
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| Shares Change (YoY) | 0.19% | - | - | - | - | - | Upgrade
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| EPS (Basic) | 1.97 | 1.84 | 1.24 | 1.10 | 1.56 | 0.97 | Upgrade
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| EPS (Diluted) | 1.97 | 1.84 | 1.24 | 1.10 | 1.56 | 0.97 | Upgrade
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| EPS Growth | 77.56% | 48.14% | 13.00% | -29.82% | 61.46% | -19.43% | Upgrade
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| Free Cash Flow | 453.59 | 175.97 | -477.31 | -5.23 | 234.52 | 60.64 | Upgrade
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| Free Cash Flow Per Share | 1.65 | 0.64 | -1.74 | -0.02 | 0.85 | 0.22 | Upgrade
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| Dividend Per Share | 0.320 | 0.360 | 0.360 | 0.420 | 0.650 | 0.430 | Upgrade
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| Dividend Growth | -11.11% | - | -14.29% | -35.38% | 51.16% | -12.25% | Upgrade
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| Operating Margin | 39.01% | 40.24% | 33.54% | 28.07% | 36.96% | 25.59% | Upgrade
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| Profit Margin | 26.50% | 25.88% | 20.02% | 19.81% | 26.83% | 19.15% | Upgrade
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| Free Cash Flow Margin | 22.25% | 9.04% | -28.10% | -0.34% | 14.67% | 4.37% | Upgrade
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| Effective Tax Rate | 33.94% | 35.13% | 40.43% | 27.80% | 23.51% | 22.16% | Upgrade
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Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.