Inv. Banks / Inv. Cos. / Securities Cos.
AMBL Apna Microfinance Bank Limited
Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026
Last close · 16 Oct 2026
Rs 19.50 +5.18%
Annual · FY2012 – FY2025
Apna Microfinance Bank Limited (AMBL) cash flow statement
Operating activities generated Rs 733.4 mn of cash in FY2025 (Jan – Dec 2025). Overall, cash increased by Rs 307.3 mn.
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 * Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 Jan – Dec 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | 733.4 | (320.5) | (1,519.9) | (498.4) | (6,348.5) | 5,771.9 | 2,235.0 | (679.2) | (271.0) | 3,593.0 | 1,189.8 | (84.4) | 24.2 | 310.5 |
| Net cash from investing activities | (926.1) | (857.3) | 954.5 | (1,415.5) | 168.9 | (1,025.3) | (272.5) | (282.6) | (184.5) | (885.2) | (356.9) | 72.8 | (162.7) | (171.0) |
| Net cash from financing activities | 500.0 | 500.0 | 1,000.0 | (0.5) | 151.2 | 346.9 | 347.3 | 207.2 | 398.3 | 604.0 | 567.1 | 40.5 | 259.3 | 153.0 |
| Net change in cash | 307.3 | (677.8) | 434.5 | (1,914.3) | (6,028.4) | 5,093.5 | 2,309.8 | (754.6) | (57.3) | 3,311.8 | 1,400.0 | 28.9 | 120.7 | 292.4 |
| Rs mn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 * Jan – Dec 2021 | FY2020 * Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 | FY2015 Jan – Dec 2015 | FY2014 Jan – Dec 2014 | FY2013 Jan – Dec 2013 | FY2012 Jan – Dec 2012 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net cash from operating activities | — | — | — | — | -210.0% | +158.2% | — | — | -107.5% | +202.0% | — | -449.4% | -92.2% | — |
| Net cash from investing activities | — | -189.8% | — | -938.0% | — | — | — | — | — | — | -590.4% | — | — | — |
| Net cash from financing activities | 0.0% | -50.0% | — | -100.3% | -56.4% | -0.1% | +67.6% | -48.0% | -34.1% | +6.5% | +1,299.4% | -84.4% | +69.5% | — |
| Net change in cash | — | -256.0% | — | — | -218.4% | +120.5% | — | — | -101.7% | +136.5% | +4,744.0% | -76.1% | -58.7% | — |
Change against the previous fiscal year; shown when the earlier figure is positive.
Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.
All reported line items 50
| Rs bn | FY2025 Jan – Dec 2025 | FY2024 Jan – Dec 2024 | FY2023 Jan – Dec 2023 | FY2022 Jan – Dec 2022 | FY2021 Jan – Dec 2021 | FY2020 Jan – Dec 2020 | FY2019 Jan – Dec 2019 | FY2018 Jan – Dec 2018 | FY2017 Jan – Dec 2017 | FY2016 Jan – Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profit/(Loss) - Starting Line - Cash Flow | (1.6) | (3.1) | (3.6) | (4.9) | (2.6) | 0.0 | 0.1 | 0.1 | (0.2) | (1.1) |
| Non-cash Items & Reconciliation Adjustments - Cash Flow | 0.4 | 0.4 | 1.7 | 3.8 | 0.4 | 0.4 | 0.4 | 0.0 | 0.3 | 0.9 |
| Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile | 0.1 | 0.1 | 0.1 | 0.0 | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | 0.0 |
| Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 |
| Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 |
| Amortization - Intangible Assets & Deferred Charges - Cash Flow - to Reconcile | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow | 0.1 | (0.0) | 1.3 | 3.5 | 0.1 | 0.1 | 0.3 | (0.1) | 0.3 | 0.8 |
| Impairment - Property, Plant & Equipment including Intangible Assets - Cash Flow - to Reconcile | 0.0 | 0.0 | — | — | — | — | — | — | — | — |
| Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | 0.0 | 0.0 | (0.0) |
| Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | 0.0 | 0.0 | (0.0) |
| Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile | — | — | — | — | — | — | 0.0 | 0.0 | — | — |
| Income Taxes - Paid/(Reimbursed) - Cash Flow | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 |
| Investment Securities - Gain/(Loss) - Cash Flow | — | — | — | — | — | — | — | — | 0.0 | (0.0) |
| Cash Flow from Operating Activities before Changes in Working Capital | (1.3) | (2.8) | (2.0) | (1.1) | (2.4) | 0.3 | 0.4 | 0.1 | 0.1 | (0.2) |
| Working Capital - Increase/(Decrease) - Cash Flow | 2.1 | 2.5 | 0.4 | 0.6 | (4.0) | 5.5 | 1.8 | (0.8) | (0.4) | 3.8 |
| Other Assets - Decrease/(Increase) - Cash Flow | 0.0 | 0.1 | (0.1) | 0.5 | 1.5 | (1.0) | (0.4) | (0.3) | (0.9) | (0.5) |
| Loans - Customer - Decrease/(Increase) - Cash Flow | (2.5) | (0.8) | 0.5 | (0.4) | (1.5) | (1.4) | (0.3) | (3.9) | 0.4 | (3.7) |
| Other Liabilities - Increase/(Decrease) -Total - Cash Flow | 0.1 | (0.1) | 0.2 | 0.0 | 0.1 | 0.0 | 0.1 | 0.0 | (0.1) | 0.2 |
| Deposits - Increase/(Decrease) - Total - Cash Flow | 4.4 | 3.2 | (0.2) | 0.5 | (4.1) | 7.9 | 2.5 | 3.3 | 0.2 | 7.8 |
| Net Cash Flow from Operating Activities | 0.7 | (0.3) | (1.5) | (0.5) | (6.3) | 5.8 | 2.2 | (0.7) | (0.3) | 3.6 |
| Capital Expenditures - Net - Cash Flow | (0.0) | (0.0) | 0.0 | 0.0 | 0.1 | 0.2 | 0.2 | 0.1 | 0.1 | 0.5 |
| Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow | (0.0) | (0.0) | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.5 |
| Property, Plant & Equipment - Purchased - Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.5 |
| Property, Plant & Equipment Sold - Cash Flow | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Intangible Assets - Purchased/(Sold) - Net - Total - Cash Flow | — | — | — | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Intangible Assets - Purchased/Acquired - Cash Flow | — | — | — | 0.0 | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 |
| Capital Expenditures - Total | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.2 | 0.2 | 0.1 | 0.1 | 0.5 |
| Investments excluding Loans - Decrease/(Increase) - Cash Flow | (0.7) | (0.6) | 1.2 | (1.2) | 0.4 | (0.7) | (0.1) | (0.2) | (0.1) | (0.3) |
| Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow | (0.7) | (0.6) | 1.2 | (1.2) | 0.4 | (0.7) | (0.1) | (0.2) | (0.1) | (0.3) |
| Investment Securities - Sold/Matured - Unclassified - Cash Flow | — | — | — | — | — | — | — | — | 0.0 | 0.1 |
| Investment Securities - Purchased - Unclassified - Cash Flow | — | — | — | — | — | — | — | — | 0.1 | 0.4 |
| Other Investing Cash Flow - Decrease/(Increase) | (0.2) | (0.3) | (0.3) | (0.2) | (0.2) | (0.1) | — | — | — | — |
| Net Cash Flow from Investing Activities | (0.9) | (0.9) | 1.0 | (1.4) | 0.2 | (1.0) | (0.3) | (0.3) | (0.2) | (0.9) |
| Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow | — | — | 0.0 | (0.0) | (0.0) | (0.0) | (0.0) | (0.2) | (0.0) | 0.2 |
| Debt - Issued/(Reduced) - Short-Term - Total - Cash Flow | — | — | 0.0 | (0.0) | (0.0) | (0.0) | — | — | (0.0) | — |
| Debt - Issued/Reduced - Long-Term - Cash Flow | — | — | — | — | — | — | (0.0) | (0.2) | 0.0 | 0.2 |
| Debt - Issued - Long-Term - Cash Flow | — | — | — | — | — | — | — | 0.0 | 0.0 | 0.2 |
| Debt - Reduced - Long-Term - Cash Flow | — | — | — | — | — | — | 0.0 | 0.2 | — | — |
| Other Financing Cash Flow - Increase/(Decrease) | 0.5 | 0.5 | 1.0 | 0.0 | 0.2 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 |
| Net Cash Flow from Financing Activities | 0.5 | 0.5 | 1.0 | (0.0) | 0.2 | 0.3 | 0.3 | 0.2 | 0.4 | 0.6 |
| Net Change in Cash - Total | 0.3 | (0.7) | 0.4 | (1.9) | (6.0) | 5.1 | 2.3 | (0.8) | (0.1) | 3.3 |
| Net Cash from Continuing Operations | 0.3 | (0.7) | 0.4 | (1.9) | (6.0) | 5.1 | 2.3 | (0.8) | (0.1) | 3.3 |
| Net Cash - Beginning Balance | 3.7 | 4.4 | 4.0 | 5.9 | 11.9 | 6.8 | 4.5 | 5.3 | 5.3 | 2.0 |
| Net Cash - Ending Balance | 4.0 | 3.7 | 4.4 | 4.0 | 5.9 | 11.9 | 6.8 | 4.5 | 5.3 | 5.3 |
| Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 |
| CF from Optg Activities before Change in WC & Int Payments | (1.3) | (2.8) | (2.0) | (1.1) | (2.4) | 0.3 | 0.4 | 0.1 | 0.1 | (0.2) |
| Depreciation, Depletion & Amortization - Cash Flow | 0.2 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.1 | 0.1 | 0.1 | 0.1 |
| Free Cash Flow to Equity | 0.7 | (0.3) | (1.5) | (0.5) | (6.4) | 5.6 | 2.1 | (0.9) | (0.4) | 3.3 |
| Free Cash Flow Net of Dividends | 0.7 | (0.3) | (1.5) | (0.5) | (6.5) | 5.6 | 2.1 | (0.7) | (0.4) | 3.1 |
| Free Cash Flow | 0.7 | (0.3) | (1.5) | (0.5) | (6.5) | 5.6 | 2.1 | (0.7) | (0.4) | 3.1 |
Every line the company reported, in the original order and wording, without regrouping or signs changed. Latest 10 periods; the table above goes back further.