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Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Access Bank Ghana's Net Income for the
three
months ended in Mar. 2026 was GHS114 Mil. Its Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was GHS218 Mil.
Access Bank Ghana (XGHA:ACCESS) Net Income Explanation
Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:
* 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.
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
EPS is most useful for companies that have:
A predictable business
Consistent accounting methods
And few restructurings
The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.
Be Aware
Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.
Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.
If net earnings is less than 10%, likely to be in a highly competitive business.
Access Bank Ghana Net Income Related Terms
Access Bank Ghana Net Income Historical Data
* Premium members only.
The historical data trend for Access Bank Ghana's Net Income can be seen below:
* 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.
Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.
Net Income 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 GHS218 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.
Access Bank Ghana (XGHA:ACCESS) has a Net Income of GHS218 Mil as of Mar. 2026. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Access Bank Ghana and its competitors.
Is Access Bank Ghana's Net Income too high?
Access Bank Ghana's current Net Income is GHS218 Mil. Overall, Access Bank Ghana has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Access Bank Ghana's Net Income compare to PNC?
Access Bank Ghana's Net Income of GHS218 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 Net Income for a Banks company?
A good Net Income depends on the Banks industry context. However, Net Income 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 Net Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Access Bank Ghana and its competitors. Access Bank Ghana's current Net Income is GHS218 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Access Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Access Bank Ghana (XGHA:ACCESS) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS13.78, compared to a current price of GHS31.90 — trading 131.5% above its estimated fair value. The current Net Income is GHS218 Mil. Access Bank Ghana's overall GF Score™ is 48/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Income calculated?
Net Income is calculated from a company's financial statements. For Access Bank Ghana (XGHA:ACCESS), the current Net Income is GHS218 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 Access Bank Ghana (XGHA:ACCESS) Overvalued in 2026?
Based on GuruFocus' analysis, Access Bank Ghana stock appears to be overvalued.
The current stock price of GHS31.90 is trading 131.5% above its estimated GF Value™ of GHS13.78.
GuruFocus considers Access Bank Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:ACCESS:
Net Income: GHS218 Mil
GF Value™: GHS13.78 vs. price of GHS31.90 (131.5% above fair value)
No single metric tells the full story. See the XGHA:ACCESS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Access Bank Ghana PLC is a Ghana-based commercial bank. The bank provides universal banking services including Retail Banking, Commercial Banking, Business Banking, Personal Banking, and Exclusive Banking. It also provides support for financing landmark projects in the private and public sectors. It provides services to Corporate, Commercial, Retail customers, and Financial Institutions across Ghana. The company's segments include Institutional Banking, Commercial Banking, Personal, and Business Banking, and Treasury.
48GF Score
Get the complete analysis for XGHA:ACCESS
Net Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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