Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. ASOvings & Loans's cash to debt ratio for the quarter that ended in Dec. 2024 was 0.66.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, ASOvings & Loanscouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2024.
The historical rank and industry rank for ASOvings & Loans's Cash-to-Debt or its related term are showing as below:
NSA:ASOSAVINGS'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.15 Max: 0.66
Current: 0.66
During the past 5 years, ASOvings & Loans's highest Cash to Debt Ratio was 0.66. The lowest was 0.04. And the median was 0.15.
NSA:ASOSAVINGS's Cash-to-Debt is not ranked
in the Banks industry.
Industry Median: 1.37
vs NSA:ASOSAVINGS: 0.66
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
ASOvings & Loans Cash-to-Debt Related Terms
ASOvings & Loans Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for ASOvings & Loans's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
ASOvings & Loans Cash-to-Debt Chart
ASOvings & Loans Annual Data
Trend
Dec17
Dec18
Dec19
Dec23
Dec24
Cash-to-Debt
0.15
0.04
0.05
0.18
0.66
ASOvings & Loans Semi-Annual Data
Dec17
Dec18
Dec19
Dec23
Dec24
Cash-to-Debt
0.15
0.04
0.05
0.18
0.66
NSA:ASOSAVINGS vs RKT, FNMA, PFSI: Cash-to-Debt Comparison
For the Mortgage Finance subindustry, ASOvings & Loans's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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.
ASOvings & Loans Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, ASOvings & Loans's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where ASOvings & Loans's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ASOvings & Loans (NSA:ASOSAVINGS) has a Cash-to-Debt of 0.66 as of Dec. 2024. This is 340% above median its historical median of 0.15. Over the past decade, ASOvings & Loans' Cash-to-Debt has ranged from 0.04 to 0.66.
Is ASOvings & Loans' Cash-to-Debt too high?
ASOvings & Loans' current Cash-to-Debt of 0.66 is 340% above median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.66. The Banks industry median Cash-to-Debt is 1.37. ASOvings & Loans' value of 0.66 is 51.8% below this industry median. Overall, ASOvings & Loans has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does ASOvings & Loans' Cash-to-Debt compare to RKT and FNMA?
ASOvings & Loans' Cash-to-Debt of 0.66 can be compared against companies in the Banks industry. The industry median Cash-to-Debt is 1.37. ASOvings & Loans' value of 0.66 is 51.8% below this benchmark. Historically, ASOvings & Loans' own Cash-to-Debt has ranged from 0.04 to 0.66 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 1.37, ASOvings & Loans has consistently been below 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ASOvings & Loans's current Cash-to-Debt of 0.66 is 51.8% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASOvings & Loans's current Cash-to-Debt is 0.66, which is 340% above median its own 10-year median of 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ASOvings & Loans stock overvalued right now?
ASOvings & Loans (NSA:ASOSAVINGS) has a current Cash-to-Debt of 0.66. The stock's GF Value™ is ₦0.98, compared to a current price of ₦1.07 — trading 9.2% above its estimated fair value. The current Cash-to-Debt is 0.66, which is 340% above median its 10-year median of 0.15 and 51.8% below the Banks industry median of 1.37. ASOvings & Loans' overall GF Score™ is 9/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For ASOvings & Loans (NSA:ASOSAVINGS), the current Cash-to-Debt is 0.66 as of Dec. 2024. 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 ASOvings & Loans (NSA:ASOSAVINGS) Overvalued in 2026?
Based on GuruFocus' analysis, ASOvings & Loans stock appears to be overvalued.
The current stock price of ₦1.07 is trading 9.2% above its estimated GF Value™ of ₦0.98.
Key valuation signals for NSA:ASOSAVINGS:
Cash-to-Debt: 0.66 (340% above median its 10-year median of 0.15)
GF Value™: ₦0.98 vs. price of ₦1.07 (9.2% above fair value)
No single metric tells the full story. See the NSA:ASOSAVINGS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ASO Savings & Loans PLC is a Primary Mortgage Institution. The company provides several personal banking products & services, including Social Mortgage, ASO Commercial Mortgage Facility, ASO Performance Bond/Advance Payment Guarantee, Invoice Discounting Facility, Fixed Deposit Account, Regular Savings Account, Flourish Account (Children's Account), ASO Corporate Account, My House Account, ASO Plus Account (Saving Account), ASO Gap Account, ASO Excel Account (Hybrid of Current & Savings account), Commercial Real Estate Advisory, Issuance of Bonds, Issuance of Bank Guarantees, Mortgage Funds Management, and Financial Advisory and Consulting Services.
9GF Score
Get the complete analysis for NSA:ASOSAVINGS
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSA:ASOSAVINGS has been successfully added to your 
