Access Financial Services (XJAM:AFS) Total Operating Expense: JMD1,928 Mil (TTM As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

What is Access Financial Services Total Operating Expense?

Access Financial Services XJAM:AFS -4.40% Total Operating Expense is JMD1,928 Mil as of Jun. 2026.

Access Financial Services's Total Operating Expense for the three months ended in Jun. 2026 was JMD442 Mil. Access Financial Services's Total Operating Expense for the trailing twelve months (TTM) ended in Jun. 2026 was JMD1,928 Mil.

Access Financial Services Total Operating Expense Related Terms

Access Financial Services Total Operating Expense Historical Data

* Premium members only.

The historical data trend for Access Financial Services's Total Operating Expense 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.

Access Financial Services Total Operating Expense Chart

Access Financial Services Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Total Operating Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,286.21 1,520.59 1,622.54 1,635.59 1,871.98

Access Financial Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Total Operating Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 442.21 480.80 471.49 533.04 442.30

Access Financial Services Total Operating Expense Calculation

Total Operating Expense is the primary recurring expense associated with central operations that are incurred in order to generate sales.


Total Operating Expense for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was JMD1,928 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 Total Operating Expense of JMD1,928 Mil mean?
Access Financial Services (XJAM:AFS) has a Total Operating Expense of JMD1,928 Mil as of Jun. 2026. Total operating expense is the primary recurring expense associated with central operations. View historical data on Access Financial Services and its competitors.
Is Access Financial Services' Total Operating Expense too high?
Access Financial Services' current Total Operating Expense is JMD1,928 Mil.
How does Access Financial Services' Total Operating Expense compare to competitors?
Access Financial Services' Total Operating Expense of JMD1,928 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Operating Expense for a Credit Services company?
A good Total Operating Expense depends on the Credit Services industry context. However, Total Operating Expense 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 Total Operating Expense mean?
A high Total Operating Expense can signal that a stock is expensive relative to its fundamentals. Total operating expense is the primary recurring expense associated with central operations. View historical data on Access Financial Services and its competitors. Access Financial Services's current Total Operating Expense is JMD1,928 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Access Financial Services stock overvalued right now?
Access Financial Services (XJAM:AFS) has a current Total Operating Expense of JMD1,928 Mil. The current Total Operating Expense is JMD1,928 Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Operating Expense calculated?
Total Operating Expense is calculated from a company's financial statements. For Access Financial Services (XJAM:AFS), the current Total Operating Expense is JMD1,928 Mil as of Jun. 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.

Access Financial Services Business Description

Address 41b Half Way Tree Road, Kingston, JAM, 5
Access Financial Services Limited is a Jamaican microfinance and lending company that provides loans to micro, small and medium-sized enterprises, as well as to individuals for personal purposes. Its core business is retail lending, offering working capital, business expansion, and personal loans, typically to borrowers underserved by traditional banks. The company also operates a money services division that provides bill payment services and remittance-related offerings. Access Financial serves customers across Jamaica through a network of branches, with its loan products distributed directly to micro-entrepreneurs, self-employed individuals, and salaried workers. Revenue is generated primarily through interest income and fees on its loan portfolio, supplemented by commissions and service charges from its money services operations. The company has expanded its reach through acquisitions and partnerships, positioning itself as a specialist lender in the Caribbean microfinance market.