Access Financial Services Limited (JMSE:AFS)

Access Financial Services Cash Flow Statement

Financials in millions JMD. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Net Income	540.3	503.95	340.18	301.05	428.99	265.69
Depreciation & Amortization	79.78	81.99	96.21	87.49	106.97	108.1
Other Amortization	8.33	8.33	10.34	16.91	10.42	10.25
Asset Writedown & Restructuring Costs	-	-	-	9.07	25.46	0.9
Provision for Credit Losses	392.73	443.24	480.79	396.11	283.21	388.34
Change in Accounts Payable	-	-	-	63.92	-	-87.28
Change in Other Net Operating Assets	-604.92	-952.98	-1,440	-862.47	-640.54	20.79
Other Operating Activities	60.66	107.71	58.42	8.34	68.2	-621.49
Operating Cash Flow	477.83	193.19	-458.86	20.02	282.13	85.29
Operating Cash Flow Growth	-	-	-	-92.90%	230.80%	-77.62%
Capital Expenditures	-24.24	-17.22	-18.45	-25.25	-47.61	-24.64
Sale of Property, Plant & Equipment	0.31	0.5	4.85	1.36	2.49	0.47
Investment in Securities	-	-	-	-	5.35	-
Investing Cash Flow	-23.94	-16.72	-13.6	-23.89	-39.77	-24.17
Long-Term Debt Issued	-	1,852	1,312	3,146	970.5	-
Total Debt Issued	883.01	1,852	1,312	3,146	970.5	-
Long-Term Debt Repaid	-	-1,413	-900.53	-2,541	-1,270	-83.76
Net Debt Issued (Repaid)	81.72	438.83	411.23	604.82	-299.84	-83.76
Common Dividends Paid	-126.28	-98.82	-98.82	-164.71	-150.98	-63.14
Financing Cash Flow	-44.56	340	312.41	440.11	-450.82	-146.9
Foreign Exchange Rate Adjustments	1.91	1.67	1.31	-121.38	16.85	53.66
Net Cash Flow	411.24	518.15	-158.74	314.86	-191.61	-32.12
Free Cash Flow	453.59	175.97	-477.31	-5.23	234.52	60.64
Free Cash Flow Growth	-	-	-	-	286.71%	-82.32%
Free Cash Flow Margin	22.25%	9.04%	-28.10%	-0.34%	14.67%	4.37%
Free Cash Flow Per Share	1.65	0.64	-1.74	-0.02	0.85	0.22
Cash Interest Paid	430.86	384.51	355.76	282.79	220.5	241.46
Cash Income Tax Paid	214.82	201.75	171.45	108.81	67.41	22.2

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.