Snowflake Score | |
---|---|
Valuation | 5/6 |
Future Growth | 5/6 |
Past Performance | 2/6 |
Financial Health | 2/6 |
Dividends | 0/6 |
ASAI Stock Overview
ASA International Group PLC provides microfinancing services in Africa and Asia.
ASA International Group Competitors
Price History & Performance
Historical stock prices | |
---|---|
Current Share Price | UK£0.85 |
52 Week High | UK£1.60 |
52 Week Low | UK£0.70 |
Beta | 1.18 |
1 Month Change | -12.15% |
3 Month Change | -15.00% |
1 Year Change | -33.33% |
3 Year Change | -75.78% |
5 Year Change | n/a |
Change since IPO | -74.70% |
Recent News & Updates
Shareholder Returns
ASAI | GB Consumer Finance | GB 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
ASAI volatility | |
---|---|
ASAI Average Weekly Movement | 10.1% |
Consumer Finance Industry Average Movement | 6.6% |
Market Average Movement | 5.5% |
10% most volatile stocks in GB Market | 10.8% |
10% least volatile stocks in GB Market | 2.8% |
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
Founded | Employees | CEO | Website |
---|---|---|---|
2007 | 13,047 | Dirk Brouwer | https://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
ASAI fundamental statistics | |
---|---|
Market Cap | US$104.47m |
Earnings (TTM) | US$8.79m |
Revenue (TTM) | US$123.93m |
11.9x
P/E Ratio0.8x
P/S RatioIs ASAI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
ASAI income statement (TTM) | |
---|---|
Revenue | US$123.93m |
Cost of Revenue | US$0 |
Gross Profit | US$123.93m |
Other Expenses | US$115.14m |
Earnings | US$8.79m |
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
Sep 20, 2022
Earnings per share (EPS) | 0.088 |
Gross Margin | 100.00% |
Net Profit Margin | 7.09% |
Debt/Equity Ratio | 308.6% |
How did ASAI perform over the long term?
See historical performance and comparisonValuation
Is ASAI undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
5/6Valuation 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.
What is ASAI's n/a Ratio? | |
---|---|
n/a Ratio | 0x |
n/a | n/a |
Market Cap | US$104.47m |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | 0.3x |
Price to Earnings Ratio vs Peers
How does ASAI's PE Ratio compare to its peers?
ASAI PE Ratio vs Peers |
---|
Company | PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 16.4x |
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.
Fair Ratio | |
---|---|
Current PE Ratio | 11.9x |
Fair PE Ratio | 24.6x |
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
5/6Future 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
2/6Past 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.
Discover strong past performing companies
Financial Health
How is ASA International Group's financial position?
Financial Health Score
2/6Financial 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
0/6Dividend 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
Data | Last Updated (UTC time) |
---|---|
Company Analysis | 2022/06/25 00:00 |
End of Day Share Price | 2022/06/24 00:00 |
Earnings | 2021/12/31 |
Annual Earnings | 2021/12/31 |
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.