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Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.
Agricultural Development Bank (XGHA:ADB) Cash Flow from Operations Explanation
For companies reported in indirect method, cash flow from operations contains six items:
1. Net Income From Continuing Operations:
Net Income From Continuing Operations indicates the net income that a firm brings in from ongoing business activities. These activities are expected to continue into the next reporting period. It excludes extraordinary items, income from the cumulative effects of accounting changes, non-recurring items, income from tax loss carry forward, and preferred dividends.
Agricultural Development Bank's net income from continuing operations for the
three
months ended in Mar. 2026 was GHS156 Mil.
2. Depreciation, Depletion and Amortization:
Depreciation is a present expense that accounts for the past cost of an asset that is now providing benefits.
Depletion and amortization are synonyms for depreciation.
Generally:
The term depreciation is used when discussing man made tangible assets
The term depletion is used when discussing natural tangible assets
The term amortization is used when discussing intangible assets
Agricultural Development Bank's depreciation, depletion and amortization for the
three
months ended in Mar. 2026 was GHS18 Mil.
3. Change In Working Capital:
Working Capital is a measure of a company's short term liquidity or its ability to cover short term liabilities. It is defined as the difference between a company's current assets and current liabilities. Changes in Working Capital is reported in the cash flow statement since it is one of the major ways in which net income can differ from operating cash flow.
Agricultural Development Bank's change in working capital for the
three
months ended in Mar. 2026 was GHS1,747 Mil. It means Agricultural Development Bank's working capital
increased by GHS1,747 Mil
from Dec. 2025 to Mar. 2026 .
4. Deferred Tax:
It is the cash flow generated from deferred tax.
Agricultural Development Bank's cash flow from deferred tax for the
three
months ended in Mar. 2026 was GHS0 Mil.
Agricultural Development Bank's cash from discontinued operating Activities for the
three
months ended in Mar. 2026 was GHS0 Mil.
6. Asset Impairment Charge:
It is the charge against earnings resulting from the aggregate write down of all assets from their carrying value to their fair value.
Agricultural Development Bank's asset impairment charge for the
three
months ended in Mar. 2026 was GHS0 Mil.
7. Stock Based Compensation:
It is a way corporations use stock options to reward employees. It provides executives and employees the opportunity to share in the growth of the company and, if structured properly, can align their interests with the interests of the company's shareholders and investors, without burning the company's cash on hand.
Agricultural Development Bank's stock based compensation for the
three
months ended in Mar. 2026 was GHS0 Mil.
8. Cash Flow from Others:
These are cash differences caused by the change of inventory, accounts payable, accounts receivable etc. For instance, if a company pays its suppliers slower, its cash position will build up faster. If a company receives payments from its customers slower, its account receivables will rise, and its cash position will grow more slowly (or even shrink).
Agricultural Development Bank's cash flow from others for the
three
months ended in Mar. 2026 was GHS117 Mil.
Agricultural Development Bank Cash Flow from Operations Related Terms
Agricultural Development Bank Cash Flow from Operations Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Agricultural Development Bank Cash Flow from Operations Chart
Agricultural Development Bank Cash Flow from Operations Calculation
Cash flow from operations refers to the cash brought in through a company's normal business operations. It is the cash flow before any investment or financing activities. It is the cash version of net income.
Agricultural Development Bank's Cash Flow from Operations for the fiscal year that ended in Dec. 2025 is calculated as:
Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was GHS4,742 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Cash Flow from Operations of GHS4,742 Mil mean?
Agricultural Development Bank (XGHA:ADB) has a Cash Flow from Operations of GHS4,742 Mil as of Mar. 2026. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for Agricultural Development Bank and its competitors.
Is Agricultural Development Bank's Cash Flow from Operations too high?
Agricultural Development Bank's current Cash Flow from Operations is GHS4,742 Mil. Overall, Agricultural Development Bank has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Development Bank's Cash Flow from Operations compare to PNC?
Agricultural Development Bank's Cash Flow from Operations of GHS4,742 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Flow from Operations for a Banks company?
A good Cash Flow from Operations depends on the Banks industry context. However, Cash Flow from Operations should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Flow from Operations mean?
A high Cash Flow from Operations can signal that a stock is expensive relative to its fundamentals. Cash Flow from Operations is the amount of cash earned or paid from standard business operations. View historical data for Agricultural Development Bank and its competitors. Agricultural Development Bank's current Cash Flow from Operations is GHS4,742 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agricultural Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agricultural Development Bank (XGHA:ADB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS4.05, compared to a current price of GHS5.30 — trading 30.9% above its estimated fair value. The current Cash Flow from Operations is GHS4,742 Mil. Agricultural Development Bank's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Flow from Operations calculated?
Cash Flow from Operations is calculated from a company's financial statements. For Agricultural Development Bank (XGHA:ADB), the current Cash Flow from Operations is GHS4,742 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Agricultural Development Bank (XGHA:ADB) Overvalued in 2026?
Based on GuruFocus' analysis, Agricultural Development Bank stock appears to be overvalued.
The current stock price of GHS5.30 is trading 30.9% above its estimated GF Value™ of GHS4.05.
GuruFocus considers Agricultural Development Bank to be Significantly Overvalued.
Key valuation signals for XGHA:ADB:
Cash Flow from Operations: GHS4,742 Mil
GF Value™: GHS4.05 vs. price of GHS5.30 (30.9% above fair value)
No single metric tells the full story. See the XGHA:ADB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agricultural Development Bank Ltd is a universal bank offering a full range of banking products and services in Consumer, Corporate, Parastatals/Public Sector, SME, Agribusiness, Trade and E-Banking services. Its business focus is universal banking with a developmental focus on Agriculture and more. The company's operating segment includes Corporate Banking, Retail Banking, and Central Treasury. The majority of revenue is derived from the Retail Banking segment, which focuses on high-volume, standardized financial products and services such as loans and advances, deposits and other transactions with retail customers. Geographically, all revenues are generated in Ghana.
68GF Score
Get the complete analysis for XGHA:ADB
Cash Flow from Operations is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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