ASA International Group PLC

ASAI · LSE · Financial Services / Credit Services

274.00GBX+7.00 (+2.62%)

Price History

Full chart

Market Stats

Previous Close267.00

Open272.00

Day Range268.00 – 276.00

52-Week Range156.13 – 290.57

Volume60.32K

Market Cap221.05M

P/E (TTM)4.04

Forward P/E3.64

EPS0.56

Dividend Yield4.56%

Beta2.01

50-Day Avg239.96

200-Day Avg221.63

About

ASA International Group PLC operates as a microfinance institution in Asia and Africa. It provides various collateral-free loans, such as small business and MSME loans to start or grow businesses. The company serves primarily low-income female micro-entrepreneurs. ASA International Group PLC was incorporated in 2007 and is headquartered in Amsterdam, the Netherlands.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Rob Keijsers
Employees15.19K
HeadquartersRembrandt Tower, Amsterdam, Netherlands, 1096 HA, UK
Websitehttps://www.asa-international.com

Leadership

Mr. Rob KeijsersGroup CEO & Executive Director
Mr. Dirk Machgielis BrouwerFounder & Chairman Emeritus · b. 1964
Mr. Geert EmbrechtsChief Financial Officer
Mr. Mohammed Azim HossainChief of Operations · b. 1964
Mr. Mischa AssinkChief Accountant · b. 1975
Mr. Steven van ZuylenChief Technology Officer
Mr. Jonathan BergerHead of Investor Relations
Mr. Martijn BollenChief Legal Officer · b. 1972
Ms. Grace ThiongoChief Risk & Compliance Officer
Ms. Sivan MaronChief Human Resources?Officer

Financials

Income Statement

Currency: USD	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	57.87M	73.65M	91.70M	118.47M	140.38M	112.61M	197.01M	186.77M	183.99M	230.29M	312.41M
Growth (%)	-	+27.27%	+24.51%	+29.19%	+18.50%	-19.78%	+74.95%	-5.20%	-1.49%	+25.16%	+35.66%
Cost of Revenue	1.30M	1.61M	2.64M	4.31M	9.76M	10.94M	42.44M	40.32M	37.76M	43.45M	55.42M
Gross Profit	57.87M	73.65M	91.70M	118.47M	140.38M	112.61M	154.57M	146.45M	146.24M	186.84M	257.00M
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	78.46%	78.41%	79.48%	81.13%	82.26%
Operating Expense	29.78M	36.15M	27.52M	42.35M	86.53M	82.78M	128.86M	100.17M	114.04M	111.07M	153.07M
Operating Income	28.09M	37.49M	64.18M	76.11M	53.85M	29.83M	25.70M	46.28M	32.20M	75.76M	103.92M
Operating Margin	48.54%	50.91%	69.99%	64.25%	38.36%	26.49%	13.05%	24.78%	17.50%	32.90%	33.26%
EBITDA	28.69M	38.15M	65.12M	77.53M	59.64M	9.46M	32.09M	52.05M	37.66M	70.02M	112.23M
EBITDA Margin	49.59%	51.81%	71.02%	65.45%	42.48%	8.40%	16.29%	27.87%	20.47%	30.40%	35.92%
Net Income	14.94M	15.20M	29.00M	23.98M	34.01M	-720.00K	8.79M	17.89M	9.21M	29.25M	57.09M
Net Income Margin	25.82%	20.64%	31.63%	20.24%	24.23%	-0.64%	4.46%	9.58%	5.00%	12.70%	18.27%
Interest Expense	4.50M	11.17M	21.10M	31.91M	39.20M	40.45M	42.44M	40.32M	37.76M	43.45M	55.42M
Interest Expense % of Total Revenue	7.77%	15.17%	23.01%	26.93%	27.92%	35.92%	21.54%	21.59%	20.52%	18.87%	17.74%

Balance Sheet

Currency: USD	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	194.40M	258.11M	419.36M	473.05M	559.96M	579.26M	562.55M	489.75M	490.03M	568.50M	797.11M
Total Liabilities	131.92M	190.66M	336.37M	384.51M	448.79M	472.19M	459.11M	400.09M	413.42M	472.01M	635.26M
Total Equity	59.81M	65.00M	81.76M	86.44M	108.13M	104.79M	103.58M	89.81M	77.93M	98.47M	164.26M
Cash	29.15M	34.11M	95.20M	95.82M	82.47M	124.72M	111.48M	68.97M	69.51M	79.82M	122.52M
Total Debt	87.24M	136.71M	270.46M	280.08M	326.82M	345.81M	322.13M	264.39M	276.68M	324.77M	428.55M
Net Debt	58.09M	102.60M	175.26M	184.26M	244.34M	221.10M	210.65M	195.42M	207.18M	244.96M	306.03M

Cash Flow

Currency: USD	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	3.68B	5.87B	5.01B	-24.54M	-45.36M	-83.69M	-41.44M	-26.43M	-8.16M	12.52M	43.12M	-16.67M	-23.54M	-53.44M
Investing Cash Flow	16.61B	7.10B	14.28B	3.93M	-615.76K	-3.74M	-2.40M	-2.81M	-950.00K	-2.19M	-5.83M	-7.50M	-6.07M	-7.17M
Financing Cash Flow	-20.56B	-11.76B	-19.79B	37.00M	49.58M	140.59M	28.02M	38.20M	15.84M	-12.41M	-29.72M	27.56M	34.91M	88.47M
Capital Expenditure	0	0	0	822.30K	985.90K	2.41M	2.40M	2.81M	981.00K	2.17M	6.17M	7.50M	6.14M	7.20M
Free Cash Flow	3.68B	5.87B	5.01B	-25.36M	-46.34M	-86.10M	-43.85M	-29.24M	-9.14M	10.35M	36.95M	-24.17M	-29.68M	-60.63M
Dividends Paid	-	294.00M	712.00M	4.54M	4.54M	5.20M	8.70M	7.30M	1.13B	1.11B	1.01B	1.03B	2.95M	8.73M
FCF to OCF	100.00%	100.00%	100.00%	103.35%	102.17%	102.88%	105.80%	110.63%	112.02%	82.70%	85.70%	144.96%	126.09%	113.47%
Dividend Paid to FCF	-	5.01%	14.22%	-17.91%	-9.80%	-6.05%	-19.84%	-24.96%	-12382.41%	10743.96%	2736.06%	-4245.11%	-9.95%	-14.39%

Earnings

Report Date	Apr 16, 2019	Apr 27, 2020	May 26, 2021	Oct 12, 2021	Apr 26, 2022	Sep 21, 2022	Apr 18, 2023	Sep 26, 2024	Apr 24, 2025	Sep 24, 2025
EPS Estimate	0.00	0.00	-	0.00	0.00	0.00	0.13	0.00	0.00	0.00
EPS Actual	0.00	-0.02	0.01	0.00	0.00	0.00	0.00	0.14	0.15	0.14
Surprise	-	-	-	-	-	-	-100.00%	-	-	-
Timing	-	-	-	-	-	After-hours	Pre-market	-	-	-

Key Statistics & Ratios

Market Cap221.05M

Enterprise Value546.32M

Trailing P/E4.04

Forward P/E3.64

Price / Sales0.76

Price / Book1.52

EPS0.56

Book Value1.46

Revenue (TTM)292.40M

Gross Profit (TTM)292.20M

Profit Margin25.46%

Operating Margin43.78%

Return on Equity45.84%

Return on Assets9.94%

Shares Outstanding97.81M

Shares Float37.08M

Beta2.01

Dividend Yield4.56%

Dividend Rate0.10

Payout Ratio19.32%

Dividends

20262×

0.05Sep 17, 20260.07May 7, 2026

20252×

0.04Oct 2, 20250.03May 29, 2025

20241×

0.02Dec 12, 2024

20191×

0.07Jun 6, 2019