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ASAI

ASA International Group LSE:ASAI Stock Report

Last Price

UK£0.85

Market Cap

UK£85.0m

7D

-6.3%

1Y

-33.3%

Updated

25 Jun, 2022

Data

Company Financials +
ASAI fundamental analysis
Snowflake Score
Valuation5/6
Future Growth5/6
Past Performance2/6
Financial Health2/6
Dividends0/6

ASAI Stock Overview

ASA International Group PLC provides microfinancing services in Africa and Asia.

ASA International Group Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for ASA International Group
Historical stock prices
Current Share PriceUK£0.85
52 Week HighUK£1.60
52 Week LowUK£0.70
Beta1.18
1 Month Change-12.15%
3 Month Change-15.00%
1 Year Change-33.33%
3 Year Change-75.78%
5 Year Changen/a
Change since IPO-74.70%

Recent News & Updates

Shareholder Returns

ASAIGB Consumer FinanceGB Market
7D-6.3%-1.0%2.3%
1Y-33.3%-45.4%-8.6%

Return vs Industry: ASAI exceeded the UK Consumer Finance industry which returned -45.4% over the past year.

Return vs Market: ASAI underperformed the UK Market which returned -8.6% over the past year.

Price Volatility

Is ASAI's price volatile compared to industry and market?
ASAI volatility
ASAI Average Weekly Movement10.1%
Consumer Finance Industry Average Movement6.6%
Market Average Movement5.5%
10% most volatile stocks in GB Market10.8%
10% least volatile stocks in GB Market2.8%

Stable Share Price: ASAI is more volatile than 75% of UK stocks over the past 3 months, typically moving +/- 10% a week.

Volatility Over Time: ASAI's weekly volatility (10%) has been stable over the past year, but is still higher than 75% of UK stocks.

About the Company

FoundedEmployeesCEOWebsite
200713,047Dirk Brouwerhttps://www.asa-international.com

ASA International Group PLC provides microfinancing services in Africa and Asia. It offers loans to low-income female micro-entrepreneurs. The company also provides various collateral-free loans, including small and small business loans to start or grow businesses.

ASA International Group Fundamentals Summary

How do ASA International Group's earnings and revenue compare to its market cap?
ASAI fundamental statistics
Market CapUS$104.47m
Earnings (TTM)US$8.79m
Revenue (TTM)US$123.93m

11.9x

P/E Ratio

0.8x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
ASAI income statement (TTM)
RevenueUS$123.93m
Cost of RevenueUS$0
Gross ProfitUS$123.93m
Other ExpensesUS$115.14m
EarningsUS$8.79m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

Sep 20, 2022

Earnings per share (EPS)0.088
Gross Margin100.00%
Net Profit Margin7.09%
Debt/Equity Ratio308.6%

How did ASAI perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is ASAI undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ASAI?

Other financial metrics that can be useful for relative valuation.

ASAI key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.3x

Price to Earnings Ratio vs Peers

How does ASAI's PE Ratio compare to its peers?

ASAI PE Ratio vs Peers
The above table shows the PE ratio for ASAI vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average16.4x

Price-To-Earnings vs Peers: ASAI is good value based on its Price-To-Earnings Ratio (11.9x) compared to the peer average (16.4x).


Price to Earnings Ratio vs Industry

How does ASAI's PE Ratio compare vs other companies in the Consumer Finance Industry?

Price-To-Earnings vs Industry: ASAI is expensive based on its Price-To-Earnings Ratio (11.9x) compared to the UK Consumer Finance industry average (10x)


Price to Earnings Ratio vs Fair Ratio

What is ASAI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ASAI PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.9x
Fair PE Ratio24.6x

Price-To-Earnings vs Fair Ratio: ASAI is good value based on its Price-To-Earnings Ratio (11.9x) compared to the estimated Fair Price-To-Earnings Ratio (24.6x).


Share Price vs Fair Value

What is the Fair Price of ASAI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: ASAI (£0.85) is trading below our estimate of fair value (£1.52)

Significantly Below Fair Value: ASAI is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

PEG Ratio: ASAI is good value based on its PEG Ratio (0.3x)


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Future Growth

How is ASA International Group forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

Future Growth Score

5/6

Future Growth Score 5/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


43.6%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: ASAI's forecast earnings growth (43.6% per year) is above the savings rate (0.9%).

Earnings vs Market: ASAI's earnings (43.6% per year) are forecast to grow faster than the UK market (10.9% per year).

High Growth Earnings: ASAI's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: ASAI's revenue (16.6% per year) is forecast to grow faster than the UK market (4.1% per year).

High Growth Revenue: ASAI's revenue (16.6% 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 (27.2%)


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Past Performance

How has ASA International Group performed over the past 5 years?

Past Performance Score

2/6

Past Performance Score 2/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-27.2%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: ASAI has high quality earnings.

Growing Profit Margin: ASAI became profitable in the past.


Past Earnings Growth Analysis

Earnings Trend: ASAI's earnings have declined by 27.2% per year over the past 5 years.

Accelerating Growth: ASAI has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: ASAI has become profitable in the last year, making it difficult to compare its past year earnings growth to the Consumer Finance industry (35.1%).


Return on Equity

High ROE: ASAI's Return on Equity (6.1%) is considered low.


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Financial Health

How is ASA International Group's financial position?

Financial Health Score

2/6

Financial Health Score 2/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: ASAI's short term assets ($539.4M) exceed its short term liabilities ($306.6M).

Long Term Liabilities: ASAI's short term assets ($539.4M) exceed its long term liabilities ($152.6M).


Debt to Equity History and Analysis

Debt Level: ASAI's net debt to equity ratio (219.8%) is considered high.

Reducing Debt: ASAI's debt to equity ratio has increased from 203.6% to 308.6% over the past 5 years.

Debt Coverage: ASAI's debt is not well covered by operating cash flow (3.9%).

Interest Coverage: Insufficient data to determine if ASAI's interest payments on its debt are well covered by EBIT.


Balance Sheet


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Dividend

What is ASA International Group current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


9.52%

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.


Earnings Payout to Shareholders

Earnings Coverage: ASAI is not paying a notable dividend for the UK market.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as ASAI has not reported any payouts.


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Management

How experienced are the management team and are they aligned to shareholders interests?

5.4yrs

Average management tenure


CEO

Dirk Brouwer (57 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 ($USD425.00K) is about average for companies of similar size in the UK market ($USD335.04K).

Compensation vs Earnings: Dirk's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: ASAI's management team is seasoned and experienced (5.4 years average tenure).


Board Members

Experienced Board: ASAI's board of directors are considered experienced (9.4 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 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
  • Implied Market Cap: UK£85.000m
  • 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


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/25 00:00
End of Day Share Price2022/06/24 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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.