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ASA International Group PLC (ASAI.L)
GBp274.00
+4.00 (+1.48%)
NL LSE Financial Services Financial - Credit Services
Address
Rembrandt Tower 1096 HA
Amsterdam, NL
Amsterdam, NL
CEO
Rob Keijsers
Website
asa-international.com
IPO
2018-07-13
ISIN GB00BDFXHW57
Description
ASA International Group PLC delivers microfinance solutions across Africa and Asia. The company primarily focuses on assisting low-income female micro-entrepreneurs by offering them various unsecured loans, including small business loans, to facilitate the establishment or expansion of their ventures. With a substantial operational presence, it manages a network of 2,044 branches. The organization was founded in 2007 and its corporate headquarters are situated in Amsterdam, the Netherlands.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
GBp274.00
+4.00 (+1.48%)
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Volume Profile
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Liquidity & share structure
Average Volume
76.9K
Beta
2.02
Float Shares
37.89M
Free Float %
37.9%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +2.30% | -0.50% | -6.98% | -19.35% | +12.04% | +5.54% | +34.23% | +132.56% | +46.52% | -40.48% | -40.48% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
274.00
DCF (Unlevered)
154.62
-43.6%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 2 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
1.76
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+35.7% ★ Q4'25: -98.6% (vs Q4'23)
-
EPS growth Financial - Credit Services: +24.0%+96.6% ★ Q4'25: -65.1% (vs Q4'23)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%-44.6% Q4'25: +29.7% (vs Q4'23)
-
EBIT margin Financial - Credit Services: +28.7%+33.3% ★ Q4'25: +57.6% (vs Q4'23)
-
ROIC Financial - Credit Services: +5.0%+13.3% ★ Q4'25: +42.2% (vs Q4'23)
-
Share dilution Financial - Credit Services: +0.0%+0.0% Q4'25: +0.0% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×3.82× ★ Q4'25: 1.24× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 2 Rev. Ana. 3 EPS Ana. |
Dec 2027 2 Rev. Ana. 3 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
118.47M
est: 119.39M (-0.8%)
|
140.38M
est: 130.28M (+7.7%)
|
112.61M
est: 111.13M (+1.3%)
|
197.01M
est: 136.40M (+44.4%)
|
186.77M
est: 153.91M (+21.4%)
|
183.99M
est: 143.68M (+28.1%)
|
230.29M
est: 171.61M (+34.2%)
|
312.41M
est: 261.13M (+19.6%)
|
322.30M
316.53M – 328.06M
+23.4% YoY
|
370.37M
352.73M – 388.02M
+14.9% YoY
|
428.23M
413.75M – 442.70M
+15.6% YoY
|
| EBITDA |
—
est: 15.43M (-100.0%)
|
—
est: 15.63M (-100.0%)
|
—
est: 22.06M (-100.0%)
|
32.09M
est: 24.40M (+31.5%)
|
52.05M
est: 30.51M (+70.6%)
|
37.66M
est: 36.29M (+3.8%)
|
—
est: 34.35M (-100.0%)
|
112.23M
est: 52.51M (+113.7%)
|
64.81M
63.65M – 65.97M
+23.4% YoY
|
74.48M
70.93M – 78.03M
+14.9% YoY
|
86.11M
83.20M – 89.02M
+15.6% YoY
|
| EBIT |
-1.42M
est: 11.22M (-112.7%)
|
-5.79M
est: 94.02M (-106.2%)
|
-6.21M
est: 101.09M (-106.1%)
|
25.71M
est: 111.80M (-77.0%)
|
46.28M
est: 139.78M (-66.9%)
|
32.20M
est: 13.50M (+138.4%)
|
-6.48M
est: 29.44M (-122.0%)
|
103.92M
est: 44.80M (+132.0%)
|
55.29M
54.30M – 56.28M
+23.4% YoY
|
63.54M
60.51M – 66.57M
+14.9% YoY
|
73.46M
70.98M – 75.95M
+15.6% YoY
|
| Net Income |
23.98M
est: 31.38M (-23.6%)
|
34.01M
est: 29.11M (+16.8%)
|
-720.0K
est: 36.75M (-102.0%)
|
8.79M
est: 40.64M (-78.4%)
|
17.89M
est: 50.82M (-64.8%)
|
9.21M
est: 60.45M (-84.8%)
|
29.25M
est: 23.61M (+23.9%)
|
57.09M
est: 56.93M (+0.3%)
|
72.89M
69.41M – 75.03M
+28.0% YoY
|
85.22M
77.97M – 92.01M
+16.9% YoY
|
95.55M
91.35M – 99.75M
+12.1% YoY
|
| SGA |
17.86M
est: 18.52M (-3.6%)
|
23.36M
est: 75.55M (-69.1%)
|
22.35M
est: 81.67M (-72.6%)
|
25.79M
est: 90.32M (-71.4%)
|
27.99M
est: 112.93M (-75.2%)
|
29.04M
est: 134.35M (-78.4%)
|
31.89M
est: 24.44M (+30.5%)
|
43.19M
est: 37.36M (+15.6%)
|
46.11M
45.29M – 46.94M
+23.4% YoY
|
52.99M
50.47M – 55.52M
+14.9% YoY
|
61.27M
59.20M – 63.34M
+15.6% YoY
|
| EPS |
0.24
est: 0.31 (-23.5%)
|
0.34
est: 0.32 (+5.6%)
|
-0.01
est: 0.00 (-228.6%)
|
0.09
est: 0.09 (+2.4%)
|
0.18
est: 0.28 (-34.7%)
|
0.09
est: 0.13 (-28.6%)
|
0.29
est: 0.24 (+19.6%)
|
0.57
est: 0.57 (+0.1%)
|
0.73
0.69 – 0.75
+28.0% YoY
|
0.85
0.78 – 0.92
+16.9% YoY
|
0.96
0.91 – 1.00
+12.1% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-28 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-27 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-26 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-22 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-21 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-20 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-19 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-18 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-15 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-14 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-13 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-12 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-11 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-08 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-01 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-29 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-27 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 1/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-17 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-16 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-2.79B
OE per share TTM
-27.92
Owner's Yield
-1,395.85%
Maintenance CapEx ratio
1,967.67%
Maint CapEx / Avg PPE
6.1%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
7.3K
Shares Outstanding
100.00M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Rob Keijsers | Group Chief Executive Officer & Executive Director | 684.5K | male |
| Dirk Machgielis Brouwer | Co-Founder, Special Adviser to Chief Executive Officer & Non-Executive Deputy Chairman of the Board | 238.7K | male |
| Mohammed Azim Hossain | Chief of Operations | 63.3K | male |
| Geert Embrechts | Chief Financial Officer | 58.6K | male |
| Md. Asifur Rahman | Chief Technology Officer | — | — |
| Md. Ezazul Islam | Head of Internal Audit | — | male |
| Mischa Assink | Chief Accountant | — | male |
| Sivan Maron | Chief Human Resources?Officer | — | female |
| Steven van Zuylen | Chief Technology Officer | — | male |
| Grace Thiongo | Chief Risk & Compliance Officer | — | female |
| Jonathan Berger | Head of Investor Relations | — | male |
| Martijn Bollen | Chief Legal Officer | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for ASAI.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
