ASA International Group
Market Cap
UK£178.0m
Last Updated
2020/09/18 04:00 UTC
Data Sources
Company Financials +
Executive Summary
ASA International Group PLC provides microfinancing services in Africa and Asia. More Details
Rewards
Risk Analysis
Snowflake Analysis
Solid track record and good value.
Share Price & News
How has ASA International Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ASAI's share price has been volatile over the past 3 months.
Market Performance
7 Day Return
-1.9%
ASAI
-2.4%
GB Consumer Finance
1.2%
GB Market
1 Year Return
-53.8%
ASAI
-46.7%
GB Consumer Finance
-13.2%
GB Market
Return vs Industry: ASAI underperformed the UK Consumer Finance industry which returned -46.7% over the past year.
Return vs Market: ASAI underperformed the UK Market which returned -13.2% over the past year.
Shareholder returns
| ASAI | Industry | Market | |
|---|---|---|---|
| 7 Day | -1.9% | -2.4% | 1.2% |
| 30 Day | 21.5% | 4.4% | -0.2% |
| 90 Day | 32.3% | 0.9% | -1.1% |
| 1 Year | -53.8%-53.8% | -46.0%-46.7% | -9.8%-13.2% |
| 3 Year | n/a | -51.2%-62.1% | -3.4%-15.1% |
| 5 Year | n/a | -83.0%-88.6% | 25.3%-2.7% |
Price Volatility Vs. Market
How volatile is ASA International Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall St
If You Had Bought ASA International Group's (LON:ASAI) Shares A Year Ago You Would Be Down 56%5 months ago | Simply Wall St
Introducing ASA International Group (LON:ASAI), The Stock That Tanked 75%7 months ago | Simply Wall St
Is ASA International Group PLC (LON:ASAI) The Right Choice For A Smart Dividend Investor?Valuation
Is ASA International Group undervalued compared to its fair value and its price relative to the market?
40.2%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ASAI (£1.78) is trading below our estimate of fair value (£2.98)
Significantly Below Fair Value: ASAI is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: ASAI's PE Ratio (6.8x) is in line with the GB Consumer Finance industry average.
PE vs Market: ASAI is good value based on its PE Ratio (6.8x) compared to the UK market (17.3x).
Price to Earnings Growth Ratio
PEG Ratio: ASAI is good value based on its PEG Ratio (0.4x)
Price to Book Ratio
PB vs Industry: ASAI is overvalued based on its PB Ratio (2.1x) compared to the GB Consumer Finance industry average (0.8x).
Next Steps
Future Growth
How is ASA International Group forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
15.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ASAI's forecast earnings growth (15.6% per year) is above the savings rate (1.2%).
Earnings vs Market: ASAI's earnings (15.6% per year) are forecast to grow slower than the UK market (23.7% per year).
High Growth Earnings: ASAI's earnings are forecast to grow, but not significantly.
Revenue vs Market: ASAI's revenue (12.9% per year) is forecast to grow faster than the UK market (6.2% per year).
High Growth Revenue: ASAI's revenue (12.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ASAI's Return on Equity is forecast to be high in 3 years time (27.6%)
Next Steps
Past Performance
How has ASA International Group performed over the past 5 years?
18.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ASAI has high quality earnings.
Growing Profit Margin: ASAI's current net profit margins (24.5%) are higher than last year (20%).
Past Earnings Growth Analysis
Earnings Trend: ASAI's earnings have grown by 18.2% per year over the past 5 years.
Accelerating Growth: ASAI's earnings growth over the past year (41.8%) exceeds its 5-year average (18.2% per year).
Earnings vs Industry: ASAI earnings growth over the past year (41.8%) exceeded the Consumer Finance industry 8.4%.
Return on Equity
High ROE: Whilst ASAI's Return on Equity (31.03%) is high, this metric is skewed due to their high level of debt.
Next Steps
Financial Health
How is ASA International Group's financial position?
Financial Position Analysis
Short Term Liabilities: ASAI's short term assets ($544.8M) exceed its short term liabilities ($242.0M).
Long Term Liabilities: ASAI's short term assets ($544.8M) exceed its long term liabilities ($206.8M).
Debt to Equity History and Analysis
Debt Level: ASAI's debt to equity ratio (292%) is considered high.
Reducing Debt: Insufficient data to determine if ASAI's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: ASAI's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if ASAI's interest payments on its debt are well covered by EBIT.
Balance Sheet
Next Steps
Dividend
What is ASA International Group current dividend yield, its reliability and sustainability?
4.21%
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ASAI's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ASAI's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ASAI's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ASAI's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: ASAI is not paying a notable dividend for the UK market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ASAI's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
3.7yrs
Average management tenure
CEO
Dirk Brouwer (56 yo)
no data
Tenure
US$425,000
Compensation
Mr. Dirk Machgielis Brouwer is Chief Executive Officer of ASA International Group PLC. He co-founded ASA International Group PLC in 2007 and its Executive Director since 2007. He is also the Managing Direc ...
CEO Compensation Analysis
Compensation vs Market: Dirk's total compensation ($USD425.00K) is below average for companies of similar size in the UK market ($USD687.45K).
Compensation vs Earnings: Dirk's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Executive Director | no data | US$425.00k | 5.27% $ 9.4m | |
| Executive Director of Operations & Executive Director | 9yrs | US$167.33k | 0.37% $ 664.3k | |
| Chief Financial Officer | 3.67yrs | US$78.02k | no data | |
| Chief Operating Officer | 2.67yrs | US$96.66k | no data | |
| Director of Investments | 13.67yrs | US$85.16k | no data | |
| Chief Accountant | no data | no data | no data | |
| Chief Technology Officer | 2.67yrs | no data | no data | |
| General Counsel | 13.67yrs | no data | no data | |
| Head of Information Technology | 8.67yrs | no data | no data | |
| Chief Group Internal Auditor | no data | no data | no data |
3.7yrs
Average Tenure
55yo
Average Age
Experienced Management: ASAI's management team is considered experienced (3.7 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CEO & Executive Director | no data | US$425.00k | 5.27% $ 9.4m | |
| Executive Director of Operations & Executive Director | 9yrs | US$167.33k | 0.37% $ 664.3k | |
| Senior Independent Non-Executive Director | 7.67yrs | US$60.00k | no data | |
| Independent Non-Executive Director | 7.67yrs | US$60.00k | no data | |
| Non-Executive Chairman | 13.42yrs | US$250.00k | 1.4% $ 2.5m | |
| Independent Non-Executive Director | 2.67yrs | US$60.00k | no data | |
| Independent Non-Executive Director | 2.33yrs | US$60.00k | no data |
7.7yrs
Average Tenure
61yo
Average Age
Experienced Board: ASAI's board of directors are considered experienced (7.7 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
ASA International Group PLC's company bio, employee growth, exchange listings and data sources
Key Information
- Name: ASA International Group PLC
- Ticker: ASAI
- Exchange: LSE
- Founded: 2007
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: UK£178.000m
- Shares outstanding: 100.00m
- Website: https://www.asa-international.com
Number of Employees
Location
- ASA International Group PLC
- Rembrandt Tower
- 35th Floor
- Amsterdam
- Noord-Holland
- 1096 HA
- Netherlands
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| ASAI | LSE (London Stock Exchange) | Yes | Ordinary Shares | GB | GBP | Jul 2018 |
| ASAIL | BATS-CHIXE (BATS 'Chi-X Europe') | Yes | Ordinary Shares | GB | GBP | Jul 2018 |
Biography
ASA International Group PLC provides microfinancing services in Africa and Asia. The company offers loans to low-income and financially underserved female entrepreneurs, as well as small business owners. I ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/09/18 04:00 |
| End of Day Share Price | 2020/09/17 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.