# ASA International Group PLC (ASAI.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Consumer Finance. Price 255p, market value 249 millionp.

## Valuation
- **P/E (trailing): 6.1×** (5-yr avg 677.3×, 3-yr avg 429.5×). ASA International Group PLC trades at 6.1× trailing earnings, well below its own five-year average of 677.3×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 4.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.04**. A PEG of 0.04 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.8×**. Each dollar of revenue is priced at 0.8×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 2.1×**. The shares trade at 2.1× book value; book value is a meaningful part of the valuation.
- **EV / EBITDA: 4.5×**. Enterprise value is 4.5× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 18.1%** (5-yr avg -0.1%). Free cash flow equals 18.1% of the market value, above its five-year average of -0.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 16.5%**. The inverse of the P/E: 16.5% of the price is earned each year.

## Profitability
- **Gross margin: 87.1%**. ASA International Group PLC keeps 87.1% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 41.7%**. 41.7% of revenue is left after running the business, an exceptional level.
- **Net margin: 18.3%**. 18.3% of each dollar of sales reaches the bottom line.
- **Return on equity: 34.8%**. 34.8% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on invested capital: 18.5%**. Return on all capital, debt included, is 18.5%: comfortably above what that capital costs.
- **Return on assets: 10.0%**. Each dollar of assets produces 10.0% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 35.7%** (3-yr 18.7%/yr, 5-yr 22.6%/yr). Revenue grew 35.7% over the last year, against 22.6% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 96.6%** (3-yr 46.8%/yr). Earnings per share rose 96.6%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: 79 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 5.84%** (0p per share, trailing). ASA International Group PLC yields 5.84%, an income-level yield.
- **Payout ratio: 15%** (16% of free cash flow). 15% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 2**. 2 straight years of increases.
- **Shareholder yield: 5.8%**. Dividends plus net buybacks return 5.8% of the market value a year.

## Analyst view
- **Analyst consensus: strong_buy** (3 analysts). 3 analysts cover ASA International Group PLC; the consensus is strong_buy, with an average price target of 349p (+37% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 95.3%** (YTD 28.8%, 3-mo 24.5%). The shares are up 95.3% over twelve months including dividends.
- **From 52-week high: -14.3%** (107.0% above the low). Trading 14% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.51** (volatility 63%). Beta of 0.51 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ASAI.L · Page: https://foliofundamentals.com/stocks/asai.l

Not investment advice.