Access Financial Services Statistics

Total Valuation

JMSE:AFS has a market cap or net worth of JMD 4.94 billion.

Market Cap	4.94B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, August 13, 2025.

Earnings Date	Aug 13, 2025
Ex-Dividend Date	Aug 15, 2025

Share Statistics

JMSE:AFS has 274.51 million shares outstanding. The number of shares has decreased by -0.43% in one year.

Current Share Class	274.51M
Shares Outstanding	274.51M
Shares Change (YoY)	-0.43%
Shares Change (QoQ)	+2.09%
Owned by Insiders (%)	1.67%
Owned by Institutions (%)	4.34%
Float	31.11M

Valuation Ratios

The trailing PE ratio is 9.83.

PE Ratio	9.83
Forward PE	n/a
PS Ratio	2.34
PB Ratio	1.47
P/TBV Ratio	1.71
P/FCF Ratio	28.06
P/OCF Ratio	25.56
PEG Ratio	n/a

Financial Ratio History

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 36.98, with a Debt / Equity ratio of 1.23.

Current Ratio	36.98
Quick Ratio	36.98
Debt / Equity	1.23
Debt / EBITDA	n/a
Debt / FCF	23.32
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 16.08%.

Return on Equity (ROE)	16.08%
Return on Assets (ROA)	6.61%
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	0.28
Inventory Turnover	n/a

Taxes

In the past 12 months, JMSE:AFS has paid 272.90 million in taxes.

Income Tax	272.90M
Effective Tax Rate	35.13%

Stock Price Statistics

The stock price has decreased by -18.23% in the last 52 weeks. The beta is -0.21, so JMSE:AFS's price volatility has been lower than the market average.

Beta (5Y)	-0.21
52-Week Price Change	-18.23%
50-Day Moving Average	17.40
200-Day Moving Average	17.72
Relative Strength Index (RSI)	50.10
Average Volume (20 Days)	2,832

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 2.11 billion and earned 503.95 million in profits. Earnings per share was 1.83.

Revenue	2.11B
Gross Profit	2.11B
Operating Income	783.66M
Pretax Income	776.85M
Net Income	503.95M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	1.83

Full Income Statement

Balance Sheet

The company has 1.02 billion in cash and 4.10 billion in debt, giving a net cash position of -3.08 billion or -11.23 per share.

Cash & Cash Equivalents	1.02B
Total Debt	4.10B
Net Cash	-3.08B
Net Cash Per Share	-11.23
Equity (Book Value)	3.35B
Book Value Per Share	12.04
Working Capital	7.16B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 193.19 million and capital expenditures -17.22 million, giving a free cash flow of 175.97 million.

Operating Cash Flow	193.19M
Capital Expenditures	-17.22M
Free Cash Flow	175.97M
FCF Per Share	0.64

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 37.11% and 23.87%.

Gross Margin	100.00%
Operating Margin	37.11%
Pretax Margin	36.79%
Profit Margin	23.87%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	8.33%

Dividends & Yields

This stock pays an annual dividend of 0.48, which amounts to a dividend yield of 2.67%.

Dividend Per Share	0.48
Dividend Yield	2.67%
Dividend Growth (YoY)	91.67%
Years of Dividend Growth	1
Payout Ratio	19.61%
Buyback Yield	0.43%
Shareholder Yield	3.10%
Earnings Yield	10.20%
FCF Yield	3.56%

Dividend Details

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	3