ASA International Group (ASAI) Stock Overview
Operates as a microfinance institution in Asia and Africa. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 4/6 |
| Past Performance | 4/6 |
| Financial Health | 3/6 |
| Dividends | 3/6 |
Rewards
Risk Analysis
ASAI Community Fair Values
Create NarrativeSee what 17 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
ASA International Group PLC Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£1.96 |
| 52 Week High | UK£2.50 |
| 52 Week Low | UK£1.13 |
| Beta | 2.02 |
| 1 Month Change | 1.55% |
| 3 Month Change | -6.22% |
| 1 Year Change | 36.59% |
| 3 Year Change | 105.77% |
| 5 Year Change | 42.55% |
| Change since IPO | -41.67% |
Recent News & Updates
Narrative Update • Jun 03
ASAI: Stronger Margins And Dividend Outlook Will Support Future Earnings Upside
Analysts have lowered their price target on ASA International Group to £3.70. This reflects updated assumptions that include slightly higher discount rates, more conservative revenue expectations, stronger profit margins and a lower future P/E multiple in line with recent cautious sector pricing seen in other stocks.
Narrative Update • May 10
ASAI: Future Dividend Payouts Will Support A Bullish Re Rating
Analysts have adjusted their price target on ASA International Group to £3.39 per share. This reflects updated assumptions around discount rate, revenue growth, profit margin and forward P/E that broadly maintain their prior valuation view.Recent updates
Narrative Update • Jun 03
ASAI: Stronger Margins And Dividend Outlook Will Support Future Earnings Upside
Analysts have lowered their price target on ASA International Group to £3.70. This reflects updated assumptions that include slightly higher discount rates, more conservative revenue expectations, stronger profit margins and a lower future P/E multiple in line with recent cautious sector pricing seen in other stocks.Narrative Update • May 10
ASAI: Future Dividend Payouts Will Support A Bullish Re Rating
Analysts have adjusted their price target on ASA International Group to £3.39 per share. This reflects updated assumptions around discount rate, revenue growth, profit margin and forward P/E that broadly maintain their prior valuation view.Narrative Update • Apr 23
ASAI: Rising 2025 Profitability And Dividend Will Support Bullish Re Rating
Analysts have adjusted their fair value estimate for ASA International Group from £3.06 to £3.39, citing updated assumptions around the discount rate, profit margin, revenue growth, and future P/E as key drivers of the new price target. What's in the News The Board is recommending a final dividend of US$0.095 per share for approval at the AGM on 3 June 2026, which would bring the total dividend to US$0.143 for Fiscal Year 2025, compared with US$0.071 for FY 2024 (Key Developments).Narrative Update • Apr 09
ASAI: Higher 2025 Profit Outlook Supports Stronger Earnings Upside Potential
Analysts have raised their fair value estimate for ASA International Group from £3.35 to £3.70 after incorporating updated assumptions regarding revenue growth, profit margins, the discount rate and future P/E levels. What's in the News ASA International Group issued preliminary unaudited earnings guidance for fiscal 2025, giving you an early view of expected performance (Key Developments).Narrative Update • Mar 25
ASAI: Disciplined 2025 Profit Execution Will Support Bullish Earnings Re Rating
Analysts have largely maintained their price target for ASA International Group at around £3.06, reflecting only very small shifts in inputs such as the discount rate, revenue growth, profit margin and future P/E assumptions. What's in the News ASA International Group issued preliminary unaudited earnings guidance for fiscal 2025, indicating an expected net profit of about US$57 million, compared with US$28.5 million in 2024 (Key Developments).Narrative Update • Mar 11
ASAI: Higher 2025 Profit Guidance Will Support Bullish Earnings Re Rating
Analysts have revised their fair value estimate for ASA International Group to £3.06 from £2.85, reflecting updated assumptions on revenue growth, profit margins and the P/E multiple applied to future earnings. What's in the News ASA International Group issued preliminary unaudited earnings guidance for fiscal 2025, with expected net profit of about US$57 million compared with US$28.5 million for 2024, linked to execution of the Group's growth agenda (Key Developments).
Narrative Update • Feb 25
ASAI: 2025 Profit Outlook And Loan Expansion Will Support Undervalued Shares
Analysts have trimmed their fair value P/E assumption for ASA International Group from 5.24x to 5.14x, keeping the price target effectively steady at £2.59. They have fine tuned discount rate, revenue growth and margin inputs without making a material change to the overall valuation view.Narrative Update • Feb 10
ASAI: Strong 2025 Loan Portfolio Expansion Will Support Higher Profit Expectations
Analysts have modestly adjusted their price target on ASA International Group to £2.59, reflecting updated assumptions for the discount rate, expected revenue growth of 22.66% and a profit margin of 21.59%, while keeping the overall fair value estimate unchanged. What's in the News ASA International Group PLC issued earnings guidance for the full year 2025, sharing management's current expectations with the market.Narrative Update • Jan 27
ASAI: 2025 Profit Guidance And New CFO Appointment Will Drive Upside
Analysts have slightly reduced their price target on ASA International Group, citing a small reduction in the discount rate and a modestly higher assumed future P/E multiple, while keeping fair value estimates broadly unchanged at around $2.85. What's in the News The company issued earnings guidance for full year 2025, stating it remains positive on business and financial performance, supported by strong client demand and loan portfolio growth (Key Developments).Narrative Update • Jan 11
ASAI: Raised Fair Value Will Rely On Strong 2025 Profit Outlook
Analysts have raised their fair value estimate for ASA International Group from £1.35 to £2.59, citing updated assumptions on revenue growth, profit margins, and future P/E expectations. What's in the News ASA International Group issued earnings guidance for full year 2025, stating an expectation that both underlying and reported net profit will significantly exceed the current company compiled consensus of US$48.3 million for fiscal 2025 (company guidance).Narrative Update • Dec 27
ASAI: Earnings Upside Expected As Loan Portfolio Expansion Accelerates
Analysts have raised their price target on ASA International Group from £2.30 to £3.35, citing slightly lower perceived risk, as well as marginally stronger expectations for revenue growth, profit margins and future valuation multiples. What's in the News Company issues upbeat full year 2025 earnings guidance, expecting both underlying and reported net profit to significantly exceed the current Fiscal Year 2025 consensus of USD 48.3 million, supported by strong client demand and loan portfolio growth (company guidance).Narrative Update • Dec 13
ASAI: Dividend Hike And New CFO Appointment Will Drive Future Upside
Analysts have modestly raised their price target on ASA International Group to approximately $2.85 from about $2.65, citing slightly lower perceived risk, a touch stronger revenue growth outlook, and a marginally higher future earnings multiple despite a small trim to projected profit margins. What's in the News Issued upbeat earnings guidance for 2025, expecting both underlying and reported net profit to significantly exceed the current company compiled consensus of USD 48.3 million for the year (company guidance) Announced the appointment of Geert Embrechts as Chief Financial Officer, effective 1 February 2026, to lead Finance, Treasury, Tax and Investor Relations from the Amsterdam head office and support the group strategy for long term sustainable growth (company announcement) Confirmed that current CFO Tanwir Rahman will transition to the new role of Finance Director, remaining based in the Dhaka head office to ensure continuity in the finance function (company announcement) Declared an interim dividend of USD 0.048 per share for 2025, a 60% increase compared with the 2024 interim dividend of USD 0.03 per share, with a record date of 3 October 2025 and a payment date of 31 October 2025 (company announcement) Valuation Changes The fair value estimate has risen slightly to approximately USD 2.85 per share, up from about USD 2.65 per share.Narrative Update • Nov 29
ASAI: Rising Dividend And Leadership Change Will Drive Further Upside
ASA International Group's analyst price target has been raised from $2.48 to $2.65, as analysts point to improved outlooks for revenue growth and profit margins. What's in the News Geert Embrechts has been appointed as Chief Financial Officer, beginning February 1, 2026.Narrative Update • Nov 15
ASAI: Dividend Hike And New CFO Appointment Will Support Continued Momentum
ASA International Group: Analyst Price Target Update Analysts have maintained their fair value estimate for ASA International Group at $2.48. They cite marginal improvements in profit margin and a slight reduction in the discount rate as supporting factors for their unchanged outlook.Narrative Update • Oct 31
ASAI: Interim Dividend Will Rise 60% And Support Shareholder Returns
Analysts have maintained the fair value target for ASA International Group at $2.48, citing modest revisions to growth and profitability forecasts. They indicate that these changes do not materially alter their valuation outlook.Narrative Update • Oct 17
Digital Financial Services Rollout Will Improve Core Banking Services
Analysts have maintained their fair value estimate for ASA International Group at $2.48 per share, citing minimal changes in the company’s discount rate and key financial forecasts. What's in the News ASA International Group PLC announced an interim dividend of USD 0.048 per share, which is 60 percent higher than the 2024 interim dividend.Narrative Update • Oct 03
Digital Financial Services Rollout Will Improve Core Banking Services
ASA International Group’s fair value estimate has been raised by analysts from $1.99 to $2.48 per share. This change reflects recent adjustments to projected profit margins and discount rates.Analysis Article • Sep 12
ASA International Group PLC (LON:ASAI) Doing What It Can To Lift Shares
With a price-to-earnings (or "P/E") ratio of 6.4x ASA International Group PLC ( LON:ASAI ) may be sending very bullish...Analysis Article • Apr 29
The Market Lifts ASA International Group PLC (LON:ASAI) Shares 31% But It Can Do More
ASA International Group PLC ( LON:ASAI ) shareholders would be excited to see that the share price has had a great...Analysis Article • Apr 23
Here's Why ASA International Group (LON:ASAI) Has Caught The Eye Of Investors
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
New Narrative • Feb 09
Expanding Digital Services In East Africa Will Drive Future Success
Expansion into East Africa with digital services aims to grow client base and revenue while enhancing operational efficiency.Analysis Article • Dec 18
ASA International Group PLC's (LON:ASAI) Shares Leap 29% Yet They're Still Not Telling The Full Story
ASA International Group PLC ( LON:ASAI ) shareholders would be excited to see that the share price has had a great...Analysis Article • Dec 11
Is Now The Time To Put ASA International Group (LON:ASAI) On Your Watchlist?
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Analysis Article • Sep 22
Market Cool On ASA International Group PLC's (LON:ASAI) Earnings Pushing Shares 36% Lower
ASA International Group PLC ( LON:ASAI ) shares have had a horrible month, losing 36% after a relatively good period...Analysis Article • Aug 08
Investors Aren't Entirely Convinced By ASA International Group PLC's (LON:ASAI) Earnings
With a price-to-earnings (or "P/E") ratio of 12.8x ASA International Group PLC ( LON:ASAI ) may be sending bullish...Analysis Article • Apr 25
Further Upside For ASA International Group PLC (LON:ASAI) Shares Could Introduce Price Risks After 34% Bounce
ASA International Group PLC ( LON:ASAI ) shareholders are no doubt pleased to see that the share price has bounced 34...Shareholder Returns
| ASAI | GB Consumer Finance | GB Market | |
|---|---|---|---|
| 7D | -2.0% | 0.7% | -1.0% |
| 1Y | 36.6% | 22.3% | 15.2% |
Return vs Industry: ASAI exceeded the UK Consumer Finance industry which returned 22.3% over the past year.
Return vs Market: ASAI exceeded the UK Market which returned 15.2% over the past year.
Price Volatility
| ASAI volatility | |
|---|---|
| ASAI Average Weekly Movement | 6.7% |
| Consumer Finance Industry Average Movement | 6.3% |
| Market Average Movement | 5.6% |
| 10% most volatile stocks in GB Market | 11.7% |
| 10% least volatile stocks in GB Market | 3.1% |
Stable Share Price: ASAI has not had significant price volatility in the past 3 months compared to the UK market.
Volatility Over Time: ASAI's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2007 | 15,191 | Rob Keijsers | www.asa-international.com |
ASA International Group PLC operates as a microfinance institution in Asia and Africa. It provides various collateral-free loans, such as small business and MSME loans to start or grow businesses. The company serves primarily low-income female micro-entrepreneurs.
ASA International Group PLC Fundamentals Summary
| ASAI fundamental statistics | |
|---|---|
| Market cap | UK£206.00m |
| Earnings (TTM) | UK£42.73m |
| Revenue (TTM) | UK£190.76m |
4.6x
P/E Ratio1.0x
P/S RatioIs ASAI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ASAI income statement (TTM) | |
|---|---|
| Revenue | US$254.85m |
| Cost of Revenue | US$421.00k |
| Gross Profit | US$254.43m |
| Other Expenses | US$197.34m |
| Earnings | US$57.09m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
Sep 09, 2026
| Earnings per share (EPS) | 0.57 |
| Gross Margin | 99.83% |
| Net Profit Margin | 22.40% |
| Debt/Equity Ratio | 263.9% |
How did ASAI perform over the long term?
See historical performance and comparisonDividends
7.3%
Current Dividend Yield25%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/11 19:25 |
| End of Day Share Price | 2026/06/11 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
ASA International Group PLC is covered by 8 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Andrew Renton | Cavendish |
| Andrew Murray Darley | Cavendish |
| Stephen Barrett | Cavendish |