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The historical data trend for ASOvings & Loans's Debt-to-Asset 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.
ASOvings & Loans Debt-to-Asset Chart
ASOvings & Loans Annual Data
Trend
Dec17
Dec18
Dec19
Dec23
Dec24
Debt-to-Asset
0.16
0.20
0.20
0.05
0.06
ASOvings & Loans Semi-Annual Data
Dec17
Dec18
Dec19
Dec23
Dec24
Debt-to-Asset
0.16
0.20
0.20
0.05
0.06
NSA:ASOSAVINGS vs RKT, FNMA, PFSI: Debt-to-Asset Comparison
For the Mortgage Finance subindustry, ASOvings & Loans's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, ASOvings & Loans's Debt-to-Asset distribution charts can be found below:
* The bar in red indicates where ASOvings & Loans's Debt-to-Asset 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 Debt-to-Asset of 0.06 as of Dec. 2024. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on ASOvings & Loans and its competitors.
Is ASOvings & Loans' Debt-to-Asset too high?
ASOvings & Loans' current Debt-to-Asset is 0.06. Overall, ASOvings & Loans has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does ASOvings & Loans' Debt-to-Asset compare to RKT and FNMA?
ASOvings & Loans' Debt-to-Asset of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on ASOvings & Loans and its competitors. ASOvings & Loans's current Debt-to-Asset is 0.06. 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 Debt-to-Asset of 0.06. 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 Debt-to-Asset is 0.06. 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 Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For ASOvings & Loans (NSA:ASOSAVINGS), the current Debt-to-Asset is 0.06 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:
Debt-to-Asset: 0.06
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
Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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