ASA International Group
Market Cap
UK£305.0m
Last Updated
2019/10/21 22:08 UTC
Data Sources
Company Financials +
Executive Summary
ASA International Group plc provides microfinancing services in 12 countries across Africa and Asia.
Snowflake
Fundamentals
Proven track record with reasonable growth potential.
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
Market Performance
7 Day Return
-3.8%
ASAI
5.0%
GB Consumer Finance
0.2%
GB Market
1 Year Return
-32.2%
ASAI
-39.3%
GB Consumer Finance
1.7%
GB Market
Return vs Industry: ASAI exceeded the UK Consumer Finance industry which returned -39.3% over the past year.
Return vs Market: ASAI underperformed the UK Market which returned 1.7% over the past year.
Shareholder returns
| ASAI | Industry | Market | |
|---|---|---|---|
| 7 Day | -3.8% | 5.0% | 0.2% |
| 30 Day | -20.8% | 2.4% | -1.7% |
| 90 Day | -12.1% | -10.8% | -3.1% |
| 1 Year | -31.1%-32.2% | -36.9%-39.3% | 6.7%1.7% |
| 3 Year | n/a | -63.2%-73.8% | 17.7%3.1% |
| 5 Year | n/a | -51.7%-68.0% | 36.1%5.5% |
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
3 days ago | Simply Wall St
Should ASA International Group PLC (LON:ASAI) Be Part Of Your Dividend Portfolio?1 month ago | Simply Wall St
If You Had Bought ASA International Group (LON:ASAI) Stock A Year Ago, You'd Be Sitting On A 24% Loss, Today2 months ago | Simply Wall St
ASA International Group PLC (LON:ASAI): What Are The Future Prospects?Valuation
Is ASA International Group undervalued compared to its fair value and its price relative to the market?
10.6%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ASAI (£3.05) is trading below our estimate of fair value (£3.41)
Significantly Below Fair Value: ASAI is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: ASAI is poor value based on its PE Ratio (18.5x) compared to the Consumer Finance industry average (11x).
PE vs Market: ASAI is poor value based on its PE Ratio (18.5x) compared to the UK market (16.6x).
Price to Earnings Growth Ratio
PEG Ratio: ASAI is good value based on its PEG Ratio (1x)
Price to Book Ratio
PB vs Industry: ASAI is overvalued based on its PB Ratio (4.4x) compared to the GB Consumer Finance industry average (1.5x).
Next Steps
Future Growth
How is ASA International Group forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
19.2%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ASAI's forecast earnings growth (19.2% per year) is above the savings rate (1.2%).
Earnings vs Market: ASAI's earnings (19.2% per year) are forecast to grow faster than the UK market (12.4% per year).
High Growth Earnings: ASAI's earnings are forecast to grow, but not significantly.
Revenue vs Market: ASAI's revenue (18.3% per year) is forecast to grow faster than the UK market (3.9% per year).
High Growth Revenue: ASAI's revenue (18.3% 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 (39.1%)
Next Steps
Past Performance
How has ASA International Group performed over the past 5 years?
17.8%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: ASAI's earnings have grown by 17.8% per year over the past 5 years.
Accelerating Growth: ASAI's earnings growth over the past year (28.1%) exceeds its 5-year average (17.8% per year).
Earnings vs Industry: ASAI earnings growth over the past year (28.1%) exceeded the Consumer Finance industry 7.8%.
Return on Equity
High ROE: Whilst ASAI's Return on Equity (34.5%) is high, this metric is skewed due to their high level of debt.
Return on Assets
ROA vs Industry: ASAI has a higher Return on Assets than the Consumer Finance industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate ASAI's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
Financial Health
How is ASA International Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: ASAI has a low level of unsold assets or inventory.
Debt Coverage by Assets: ASAI's debt is covered by short term assets (assets are 1.657300x debt).
Financial Institutions Analysis
Asset Level: ASAI's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if ASAI has a sufficient allowance for bad loans.
Low Risk Liabilities: ASAI reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if ASAI has an acceptable proportion of non-loan assets held.
Low Risk Deposits: ASAI has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if ASAI has an appropriate level of bad loans.
Next Steps
Dividend
What is ASA International Group's current dividend yield, its reliability and sustainability?
1.84%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: ASAI's dividend (1.84%) isn’t notable compared to the bottom 25% of dividend payers in the UK market (1.99%).
High Dividend: ASAI's dividend (1.84%) is low compared to the top 25% of dividend payers in the UK market (5.37%).
Stable Dividend: Too early to tell whether ASAI's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if ASAI's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (34.2%), ASAI's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: ASAI's dividends in 3 years are forecast to be well covered by earnings (31.8% payout ratio).
Next Steps
Management
What is the CEO of ASA International Group's salary, the management and board of directors tenure and is there insider trading?
2.8yrs
Average management tenure
CEO
Dirk Brouwer (56yo)
0yrs
Tenure
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 ...
Management Age and Tenure
2.8yrs
Average Tenure
55yo
Average Age
Experienced Management: ASAI's management team is considered experienced (2.8 years average tenure).
Board Age and Tenure
6.8yrs
Average Tenure
61yo
Average Age
Experienced Board: ASAI's board of directors are considered experienced (6.8 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Management Team
Mohammed Hossain (55yo)
Director of Investments
- Tenure: 12.8yrs
- Compensation: US$85.16k
Dirk Brouwer (56yo)
CEO & Executive Director
- Tenure: 0yrs
Martijn Bollen (47yo)
General Counsel
- Tenure: 12.8yrs
Mischa Assink (44yo)
Chief Accountant
- Tenure: 0yrs
Tanwir Rahman (46yo)
Chief Financial Officer
- Tenure: 2.8yrs
- Compensation: US$78.02k
Aminur Rashid (55yo)
Executive Director of Operations & Executive Director
- Tenure: 8.1yrs
Md. Haque (63yo)
Chief Operating Officer
- Tenure: 1.8yrs
- Compensation: US$96.66k
Jillur Rahman
Head of Information Technology
- Tenure: 7.8yrs
Md. Rahman
Chief Technology Officer
- Tenure: 1.8yrs
Kamal Sarker
Chief Group Internal Auditor
- Tenure: 0yrs
Board Members
Guy Dawson (66yo)
Senior Independent Non-Executive Director
- Tenure: 6.8yrs
Praful Patel (73yo)
Independent Non-Executive Director
- Tenure: 6.8yrs
Md. Shafiqual Choudhury (70yo)
Non-Executive Chairman
- Tenure: 12.5yrs
Dirk Brouwer (56yo)
CEO & Executive Director
- Tenure: 0yrs
Gavin Laws (61yo)
Independent Non-Executive Director
- Tenure: 1.8yrs
Aminur Rashid (55yo)
Executive Director of Operations & Executive Director
- Tenure: 8.1yrs
Hanny Kemna (57yo)
Independent Non-Executive Director
- Tenure: 1.4yrs
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£305.000m
- Shares outstanding: 100.00m
- Website: https://www.asa-international.com
Number of Employees
Location
- ASA International Group PLC
- 42-50 Hersham Road
- Walton-On-Thames
- Surrey
- KT12 1RZ
- United Kingdom
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 12 countries across Africa and Asia. The company offers small loans to 1.8 million female micro-entrepreneurs and small business owners. As o ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/21 22:08 |
| End of Day Share Price | 2019/10/21 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.