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ASA International GroupLSE:ASAI 80 3-Year Book Growth Rate is 19.40% as of Dec. 2025, which is 198% above its 10-year median of 6.50. GuruFocus rates LSE:ASAI with a GF Score™ of 80/100 and a GF Value™ of £1.50 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 517 Credit Services companies, ASA International Group ranks better than 80.66% on this metric.
During the past 12 months, ASA International Group's average Book Value per Share Growth Rate was 58.50% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 19.40% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.60% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 7.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 11 years, the highest 3-Year average Book Value per Share Growth Rate of ASA International Group was 19.50% per year. The lowest was -7.60% per year. And the median was 6.50% per year.
ASA International Group (LSE:ASAI) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
ASA International Group 3-Year Book Growth Rate Related Terms
LSE:ASAI vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, ASA International Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
ASA International Group 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ASA International Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where ASA International Group's 3-Year Book Growth Rate falls into.
ASA International Group 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 19.40% mean?
ASA International Group (LSE:ASAI) has a 3-Year Book Growth Rate of 19.40% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for ASA International Group and its competitors. This is 198% above median its historical median of 6.50. According to the industry distribution chart, ASA International Group ranks #100 out of 517 companies in the Credit Services industry, placing it in the top 19.3%.
Is ASA International Group's 3-Year Book Growth Rate too high?
ASA International Group's current 3-Year Book Growth Rate of 19.40% is 198% above median its 10-year median of 6.50. The Credit Services industry median 3-Year Book Growth Rate is 5.60. ASA International Group's value of 19.40% is 246.4% above this industry median. Based on the distribution chart, ASA International Group ranks #100 out of 517 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, ASA International Group has a GF Score™ of 80/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ASA International Group's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, ASA International Group ranks #100 out of 517 companies for 3-Year Book Growth Rate. This places ASA International Group in the top 19% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 5.60. ASA International Group's value of 19.40% is 246.4% above this benchmark. While the company's 10-year median is 6.50 vs. the industry median of 5.60, ASA International Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 5.60, based on 517 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ASA International Group's current 3-Year Book Growth Rate of 19.40% is 246.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for ASA International Group and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 5.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASA International Group's current 3-Year Book Growth Rate is 19.40%, which is 198% above median its own 10-year median of 6.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ASA International Group stock overvalued right now?
Based on GuruFocus' analysis, ASA International Group (LSE:ASAI) is currently considered Significantly Overvalued. The stock's GF Value™ is £1.50, compared to a current price of £2.38 — trading 58.7% above its estimated fair value. The current 3-Year Book Growth Rate is 19.40%, which is 198% above median its 10-year median of 6.50 and 246.4% above the Credit Services industry median of 5.60. ASA International Group's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For ASA International Group (LSE:ASAI), the current 3-Year Book Growth Rate is 19.40% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is ASA International Group (LSE:ASAI) Overvalued in 2026?
Based on GuruFocus' analysis, ASA International Group stock appears to be overvalued.
The current stock price of £2.38 is trading 58.7% above its estimated GF Value™ of £1.50.
GuruFocus considers ASA International Group to be Significantly Overvalued.
Key valuation signals for LSE:ASAI:
3-Year Book Growth Rate: 19.40% (198% above median its 10-year median of 6.50)
GF Value™: £1.50 vs. price of £2.38 (58.7% above fair value)
Industry Position: 246.4% above the Credit Services median (#100 of 517)
No single metric tells the full story. See the LSE:ASAI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ASA International Group PLC is an international micro-finance institution that aims to enhance financial inclusion among low-income populations throughout Asia and Africa. Its geographical segments include West Africa, which includes Ghana, Nigeria, Sierra Leone; East Africa, which includes Kenya, Uganda, Tanzania, Rwanda; South Asia, which includes India, Pakistan, Sri Lanka; South East Asia, which includes Myanmar, Philippines, and Holding & other non-operating entities, which includes holding entities and other entities without microfinance activities.
80GF Score
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