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ASA International Group

BATS-CHIXE:ASAIL
Snowflake Description

Good value with reasonable growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
ASAIL
BATS-CHIXE
£90M
Market Cap
  1. Home
  2. GB
  3. Diversified Financials
Company description

ASA International Group PLC provides microfinancing services in Africa and Asia. The last earnings update was 193 days ago. More info.


Add to Portfolio Compare Print
  • ASA International Group has significant price volatility in the past 3 months.
ASAIL Share Price and Events
7 Day Returns
0%
BATS-CHIXE:ASAIL
-18.6%
GB Consumer Finance
-5.4%
GB Market
1 Year Returns
-
BATS-CHIXE:ASAIL
-71.5%
GB Consumer Finance
-25.2%
GB Market
ASAIL Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
ASA International Group (ASAIL) 0% -58.8% - - - -
GB Consumer Finance -18.6% -52.8% -58% -71.5% -87.3% -87.8%
GB Market -5.4% -20.6% -29.1% -25.2% -25.9% -25.1%
1 Year Return vs Industry and Market
  • No trading data on ASAIL.
  • No trading data on ASAIL.
Price Volatility
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for ASA International Group's competitors could be found in our database.

ASAIL Value

 Is ASA International Group undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of ASA International Group to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for ASA International Group.

BATS-CHIXE:ASAIL Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $1.32 * 30.2%
$0.40
Book Value of Equity per Share Weighted future Book Value estimates from 2 analysts. $1.32
Discount Rate (Cost of Equity) See below 6.9%
Perpetual Growth Rate 10-Year GB Government Bond Rate 0.5%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for BATS-CHIXE:ASAIL
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 0.5%
Equity Risk Premium S&P Global 5.4%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.56
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.557 (1 + (1- 25%) (279.69%))
1.18
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.18
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.53% + (1.18 * 5.44%)
6.95%

Discounted Cash Flow Calculation for BATS-CHIXE:ASAIL using Excess Returns Model Model

The calculations below outline how an intrinsic value for ASA International Group is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

BATS-CHIXE:ASAIL Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (30.2% – 6.95%) * $1.32)
$0.31
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.31 / (6.95% - 0.53%)
$4.78
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $1.32 + $4.78
$6.09
BATS-CHIXE:ASAIL Discount to Share Price
Calculation Result
Exchange Rate USD/GBP
(Reporting currency to currency of LSE:ASAI)
0.817
Value per Share
(GBP)
= Value per Share in USD x Exchange Rate (USD/GBP)
= $6.09 x 0.817
£4.98
Non-primary Listing Adjustment Factor 1 share in BATS-CHIXE:ASAIL represents 1.1942x of LSE:ASAI
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
1.1942x
Value per Share
(Listing Adjusted, GBP)
= Value per Share (GBP) x Listing Adjustment Factor
= £ 4.98 x 1.1942
£5.94
Value per share (GBP) From above. £5.94
Current discount Discount to share price of £1.07
= -1 x (£1.07 - £5.94) / £5.94
82%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price ASA International Group is available for.
Intrinsic value
>50%
Share price is £1.07 vs Future cash flow value of £5.94
Current Discount Checks
For ASA International Group to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • ASA International Group's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • ASA International Group's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for ASA International Group's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are ASA International Group's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
BATS-CHIXE:ASAIL PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in USD $0.21
LSE:ASAI Share Price ** LSE (2020-03-27) in GBP £0.9
LSE:ASAI Share Price converted to USD reporting currency Exchange rate (GBP/ USD) 1.224 $1.1
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PE Ratio Median Figure of 13 Publicly-Listed Consumer Finance Companies 5.05x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 748 Publicly-Listed Companies 12.44x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of ASA International Group.

BATS-CHIXE:ASAIL PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= LSE:ASAI Share Price ÷ EPS (both in USD)

= 1.1 ÷ 0.21

5.14x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • ASA International Group is overvalued based on earnings compared to the GB Consumer Finance industry average.
  • ASA International Group is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does ASA International Group's expected growth come at a high price?
Raw Data
BATS-CHIXE:ASAIL PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 5.14x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts
19.2%per year
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PEG Ratio Median Figure of 11 Publicly-Listed Consumer Finance Companies 0.3x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 518 Publicly-Listed Companies 0.97x

*Line of best fit is calculated by linear regression .

BATS-CHIXE:ASAIL PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 5.14x ÷ 19.2%

0.27x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • ASA International Group is good value based on expected growth next year.
Price based on value of assets
What value do investors place on ASA International Group's assets?
Raw Data
BATS-CHIXE:ASAIL PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in USD $0.91
LSE:ASAI Share Price * LSE (2020-03-27) in GBP £0.9
LSE:ASAI Share Price converted to USD reporting currency Exchange rate (GBP/ USD) 1.224 $1.1
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PB Ratio Median Figure of 16 Publicly-Listed Consumer Finance Companies 0.64x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,323 Publicly-Listed Companies 1.07x
BATS-CHIXE:ASAIL PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= LSE:ASAI Share Price ÷ Book Value per Share (both in USD)

= 1.1 ÷ 0.91

1.21x

* Primary Listing of ASA International Group.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • ASA International Group is overvalued based on assets compared to the GB Consumer Finance industry average.
X
Value checks
We assess ASA International Group's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. ASA International Group has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

ASAIL Future Performance

 How is ASA International Group expected to perform in the next 1 to 3 years based on estimates from 3 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
19.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is ASA International Group expected to grow at an attractive rate?
  • ASA International Group's earnings growth is expected to exceed the low risk savings rate of 0.5%.
Growth vs Market Checks
  • ASA International Group's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • ASA International Group's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
BATS-CHIXE:ASAIL Future Growth Rates Data Sources
Data Point Source Value (per year)
BATS-CHIXE:ASAIL Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts 19.2%
BATS-CHIXE:ASAIL Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 3 Analysts 18.3%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 18.8%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 11.7%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 15.3%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 2.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
BATS-CHIXE:ASAIL Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
BATS-CHIXE:ASAIL Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-12-31 285 74 1
2022-12-31 241 61 1
2021-12-31 208 49 2
2020-12-31 164 41 3
2020-04-03
2019-12-31 138 34 3
BATS-CHIXE:ASAIL Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-06-30 129 -39 32
2019-03-31 124 -40 28
2018-12-31 120 -41 24
2018-09-30 113 -53 24
2018-06-30 105 -64 25
2018-03-31 99 -74 27
2017-12-31 93 -84 29
2016-12-31 73 -45 15

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • ASA International Group's earnings are expected to grow by 19.2% yearly, however this is not considered high growth (20% yearly).
  • ASA International Group's revenue is expected to grow by 18.3% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
BATS-CHIXE:ASAIL Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (9 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below

All data from ASA International Group Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

BATS-CHIXE:ASAIL Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31
2020-12-31 0.40 0.42 0.37 2.00
2020-04-03
2019-12-31 0.32 0.33 0.30 2.00
BATS-CHIXE:ASAIL Past Financials Data
Date (Data in USD Millions) EPS *
2019-06-30 0.21
2019-03-31 0.22
2018-12-31 0.24
2018-09-30 0.47
2018-06-30 6.81
2018-03-31 7.40
2017-12-31 8.00
2016-12-31 4.19

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • ASA International Group is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
X
Future performance checks
We assess ASA International Group's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
ASA International Group has a total score of 4/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

ASAIL Past Performance

  How has ASA International Group performed over the past 5 years?

  • ASA International Group's last earnings update was 193 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare ASA International Group's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • ASA International Group's year on year earnings growth rate has been positive over the past 5 years.
  • ASA International Group's 1-year earnings growth exceeds its 5-year average (28.1% vs 17.8%)
  • ASA International Group's earnings growth has exceeded the GB Consumer Finance industry average in the past year (28.1% vs 12.7%).
Earnings and Revenue History
ASA International Group's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from ASA International Group Company Filings, last reported 9 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

BATS-CHIXE:ASAIL Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 129.05 31.64 44.81
2019-03-31 124.43 27.81 42.96
2018-12-31 119.80 23.98 41.11
2018-09-30 112.73 24.34 38.25
2018-06-30 105.13 24.71 35.39
2018-03-31 99.26 26.86 33.28
2017-12-31 93.39 29.00 31.17
2016-12-31 73.30 15.20 27.81
2015-12-31 57.45 14.94 21.20

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Whilst ASA International Group has efficiently used shareholders’ funds last year (Return on Equity greater than 20%), this is metric is skewed due to its high level of debt.
  • ASA International Group used its assets less efficiently than the GB Consumer Finance industry average last year based on Return on Assets.
  • Unable to establish if ASA International Group improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess ASA International Group's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
ASA International Group has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

ASAIL Health

 How is ASA International Group's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up ASA International Group's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • ASA International Group is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • ASA International Group's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of ASA International Group's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.7x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from ASA International Group Company Filings, last reported 9 months ago.

BATS-CHIXE:ASAIL Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 92.94 302.84 79.59
2019-03-31 92.94 302.84 79.59
2018-12-31 88.55 280.08 75.50
2018-09-30 88.55 280.08 75.50
2018-06-30 84.86 279.55 95.55
2018-03-31 84.86 279.55 95.55
2017-12-31 82.98 270.58 94.23
2016-12-31 67.45 137.02 39.35
2015-12-31 62.48 87.24 35.39
  • ASA International Group's level of debt (325.8%) compared to net worth is high (greater than 40%).
  • Unable to establish if ASA International Group's debt level has increased without past 5-year debt data.
  • Operating cash flow is negative therefore debt is not well covered.
  • Unable to confirm if the interest payments on ASA International Group's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess ASA International Group's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. ASA International Group has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

ASAIL Dividends

 What is ASA International Group's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
6.65%
Current annual income from ASA International Group dividends. Estimated to be 13% next year.
If you bought £2,000 of ASA International Group shares you are expected to receive £133 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • ASA International Group's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.68%).
  • ASA International Group's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (7.57%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
BATS-CHIXE:ASAIL Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 9 Stocks 14.6%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 608 Stocks 5.7%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1.4%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2.7%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 7.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

BATS-CHIXE:ASAIL Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2023-12-31
2022-12-31
2021-12-31 0.17 2.00
2020-12-31 0.12 3.00
2020-04-03
2019-12-31 0.10 3.00
BATS-CHIXE:ASAIL Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-05-29 0.073 2.082

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • It is too early to tell whether ASA International Group has stable dividend payments.
  • ASA International Group only just started paying a dividend, it is too early to tell if payments are increasing.
Current Payout to shareholders
What portion of ASA International Group's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (2.9x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (3.1x coverage).
X
Income/ dividend checks
We assess ASA International Group's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.4%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can ASA International Group afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. ASA International Group has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

ASAIL Management

 What is the CEO of ASA International Group's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Dirk Brouwer
COMPENSATION $0
AGE 56
CEO Bio

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 Director of Catalyst Microfinance Investors, which he co-founded in 2006. He was the Founding Partner and Managing Director of Sequoia Amsterdam, Investment Arm. Before founding Sequoia in 2002, he worked for more than seven years at Merrill Lynch in London from 1995 to 2002, where he was the Managing Director and Head of Benelux Investment Banking, and prior to this he worked for more than seven years in mergers & acquisitions, leveraged buyouts, and private equity at PaineWebber in London and New York. Mr. Brouwer was the Co-Head of Consumer Products Investment Banking Europe and First Vice President at PaineWebber. He has over 20 years experience in investment banking. Mr. Brouwer has a vast network of high-level contacts in the European and specifically Dutch markets at corporate level as well as within the investment banking community. He also worked at McKinsey & Company in Amsterdam. Mr. Brouwer serves as the Chairman of ASA International India Microfinance Pvt. Ltd. He serves as an Executive Director at Catalyst Microfinance Investment Company, ASA International N.V. and Catalyst Microfinance Investors. Mr. Brouwer also serves on the board of many of ASA International’s partner organizations. He serves as Chief Executive Officer & Member of the Board of Directors at ASA International Group PLC. Mr. Brouwer is highly experienced in leading and optimizing the result of complex (cross-border) M&A and capital markets transactions (both equity and debt), private placements and leveraged buy outs assignments. He holds an M.B.A. from Stanford University, California and a M.Sc. in Economics from the Erasmus University of Rotterdam.

CEO Compensation
  • Insufficient data for Dirk to compare compensation growth.
  • Insufficient data for Dirk to establish whether their remuneration is reasonable compared to companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the ASA International Group management team in years:

3.3
Average Tenure
55
Average Age
  • The tenure for the ASA International Group management team is about average.
Management Team

Dirk Brouwer

TITLE
CEO & Executive Director
AGE
56

Aminur Rashid

TITLE
Executive Director of Operations & Executive Director
AGE
55
TENURE
3.3 yrs

Tanwir Rahman

TITLE
Chief Financial Officer
COMPENSATION
$78K
AGE
46
TENURE
3.3 yrs

Md. Haque

TITLE
Chief Operating Officer
COMPENSATION
$97K
AGE
63
TENURE
2.3 yrs

Mohammed Hossain

TITLE
Director of Investments
COMPENSATION
$85K
AGE
55
TENURE
13.3 yrs

Mischa Assink

TITLE
Chief Accountant
AGE
44

Md. Rahman

TITLE
Chief Technology Officer
TENURE
2.3 yrs

Martijn Bollen

TITLE
General Counsel
AGE
47
TENURE
13.3 yrs

Jillur Rahman

TITLE
Head of Information Technology
TENURE
8.3 yrs

Kamal Sarker

TITLE
Chief Group Internal Auditor
Board of Directors Tenure

Average tenure and age of the ASA International Group board of directors in years:

7.3
Average Tenure
60
Average Age
  • The tenure for the ASA International Group board of directors is about average.
Board of Directors

Md. Shafiqual Choudhury

TITLE
Non-Executive Chairman
AGE
70
TENURE
13 yrs

Dirk Brouwer

TITLE
CEO & Executive Director
AGE
56
TENURE
13 yrs

Aminur Rashid

TITLE
Executive Director of Operations & Executive Director
AGE
55
TENURE
8.6 yrs

Praful Patel

TITLE
Independent Non-Executive Director
AGE
73
TENURE
7.3 yrs

Gavin Laws

TITLE
Independent Non-Executive Director
AGE
60
TENURE
2.3 yrs

Guy Dawson

TITLE
Senior Independent Non-Executive Director
AGE
66
TENURE
7.3 yrs

Hanny Kemna

TITLE
Independent Non-Executive Director
AGE
57
TENURE
1.9 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (£) Value (£)
X
Management checks
We assess ASA International Group's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. ASA International Group has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

ASAIL News

Simply Wall St News

ASAIL Company Info

Description

ASA International Group PLC provides microfinancing services in Africa and Asia. The company offers loans to low-income and financially underserved female entrepreneurs, as well as small business owners. It operates through a network of 1,812 branches. The company was founded in 2007 and is headquartered in Amsterdam, the Netherlands.

Details
Name: ASA International Group PLC
ASAIL
Exchange: BATS-CHIXE
Founded: 2007
£89,600,000
100,000,000
Website: http://www.asa-international.com
Address: ASA International Group PLC
Rembrandt Tower,
35th Floor,
Amsterdam,
Noord-Holland, 1096 HA,
Netherlands
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
LSE ASAI Ordinary Shares London Stock Exchange GB GBP 13. Jul 2018
BATS-CHIXE ASAIL Ordinary Shares BATS 'Chi-X Europe' GB GBP 13. Jul 2018
Number of employees
Current staff
Staff numbers
11,091
ASA International Group employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/03 23:46
End of day share price update: 2020/03/27 00:00
Last estimates confirmation: 2020/03/18
Last earnings filing: 2019/09/23
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.