ASA International Group PLC

LSE:ASAI Stock Report

Market Cap: UK£200.0m

ASA International Group 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

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

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 (£1.98) is trading below our estimate of fair value (£2.2)

Significantly Below Fair Value: ASAI is trading below fair value, but not by a significant amount.

Key Valuation Metric

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

Key metric: As ASAI is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for ASAI. This is calculated by dividing ASAI's market cap by their current earnings.
What is ASAI's PE Ratio?
PE Ratio6.2x
EarningsUS$42.48m
Market CapUS$266.21m

Price to Earnings Ratio vs Peers

How does ASAI's PE Ratio compare to its 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.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8.7x
0R4W Multitude
5.4x15.96%€127.6m
RFX Ramsdens Holdings
11.7xn/aUK£116.5m
SUS S&U
11.3x17.71%UK£223.6m
IPF International Personal Finance
6.5x3.54%UK£463.4m
ASAI ASA International Group
6.2x20.83%UK£200.0m

Price-To-Earnings vs Peers: ASAI is good value based on its Price-To-Earnings Ratio (6.2x) compared to the peer average (8.7x).

Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
ASAI 6.2xIndustry Avg. 8.5xNo. of Companies4PE0612182430+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: ASAI is good value based on its Price-To-Earnings Ratio (6.2x) compared to the European Consumer Finance industry average (8.5x).

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 Ratio6.2x
Fair PE Ratio21.4x

Price-To-Earnings vs Fair Ratio: ASAI is good value based on its Price-To-Earnings Ratio (6.2x) compared to the estimated Fair Price-To-Earnings Ratio (21.4x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ASAI forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUK£1.98
UK£2.85
+44.11%
12.32%UK£3.35UK£2.59n/a3
Dec ’26UK£1.71
UK£2.65
+55.17%
2.62%UK£2.75UK£2.59n/a3
Nov ’26UK£1.76
UK£2.65
+50.76%
2.62%UK£2.75UK£2.59n/a3
Oct ’26UK£1.95
UK£2.65
+36.07%
2.62%UK£2.75UK£2.59n/a3
Sep ’26UK£1.24
UK£1.99
+61.13%
14.64%UK£2.30UK£1.60n/a3
Aug ’26UK£1.25
UK£1.99
+59.20%
14.64%UK£2.30UK£1.60n/a3
Jul ’26UK£1.54
UK£1.91
+23.81%
21.22%UK£2.30UK£1.35n/a3
Jun ’26UK£1.49
UK£1.91
+27.96%
21.22%UK£2.30UK£1.35n/a3
May ’26UK£1.02
UK£1.91
+86.93%
21.22%UK£2.30UK£1.35n/a3
Apr ’26UK£0.87
UK£1.64
+89.05%
13.20%UK£1.87UK£1.35n/a3
Mar ’26UK£0.83
UK£1.64
+97.00%
13.20%UK£1.87UK£1.35n/a3
Feb ’26UK£0.96
UK£1.58
+64.08%
18.54%UK£1.87UK£1.18n/a3
Jan ’26UK£0.85
UK£1.33
+56.93%
9.21%UK£1.48UK£1.18n/a3
Dec ’25UK£0.64
UK£1.29
+101.56%
13.47%UK£1.48UK£1.06UK£1.713
Nov ’25UK£0.69
UK£1.29
+85.61%
13.47%UK£1.48UK£1.06UK£1.763
Oct ’25UK£0.72
UK£1.23
+71.30%
14.52%UK£1.48UK£1.06UK£1.953
Sep ’25UK£1.02
UK£1.19
+17.57%
10.45%UK£1.36UK£1.06UK£1.243
Aug ’25UK£0.84
UK£1.13
+34.85%
14.82%UK£1.36UK£0.97UK£1.253
Jul ’25UK£0.84
UK£1.01
+21.07%
4.54%UK£1.06UK£0.97UK£1.542
Jun ’25UK£0.70
UK£1.01
+43.83%
4.54%UK£1.06UK£0.97UK£1.492
May ’25UK£0.62
UK£1.06
+70.86%
7.01%UK£1.15UK£0.97UK£1.023
Apr ’25UK£0.46
UK£1.09
+137.76%
3.80%UK£1.15UK£1.06UK£0.873
Mar ’25UK£0.55
UK£1.09
+99.33%
3.80%UK£1.15UK£1.06UK£0.833
Feb ’25UK£0.64
UK£1.07
+67.40%
1.24%UK£1.09UK£1.06UK£0.963
Jan ’25UK£0.61
UK£1.07
+74.91%
1.24%UK£1.09UK£1.06UK£0.853
Dec ’24UK£0.51
UK£1.07
+109.65%
1.24%UK£1.09UK£1.06UK£0.643
UK£2.85
Fair Value
30.6% undervalued intrinsic discount
3
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/12/10 20:14
End of Day Share Price 2025/12/10 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 7 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David BuxtonCavendish
Andrew Murray DarleyCavendish
Stephen BarrettCavendish