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ASA International GroupLSE:ASAI -1.67%80 3-Year EPS without NRI Growth Rate is 43.40% as of Dec. 2025, which is 39% above its 10-year median of 31.30. GuruFocus rates LSE:ASAI with a GF Score™ of 80/100 and a GF Value™ of £1.51 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 433 Credit Services companies, ASA International Group ranks better than 81.99% on this metric.
During the past 12 months, ASA International Group's average EPS without NRI Growth Rate was 67.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 43.40% 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 EPS without NRI growth rate.
During the past 11 years, the highest 3-Year average EPS without NRI Growth Rate of ASA International Group was 56.60% per year. The lowest was -34.40% per year. And the median was 31.30% per year.
ASA International Group (LSE:ASAI) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
ASA International Group 3-Year EPS without NRI Growth Rate Related Terms
LSE:ASAI vs V, MA, AXP: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, ASA International Group's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ASA International Group's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where ASA International Group's 3-Year EPS without NRI Growth Rate falls into.
ASA International Group 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 43.40% mean?
ASA International Group (LSE:ASAI) has a 3-Year EPS without NRI Growth Rate of 43.40% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for ASA International Group and its competitors. This is 39% above median its historical median of 31.30. According to the industry distribution chart, ASA International Group ranks #78 out of 433 companies in the Credit Services industry, placing it in the top 18%.
Is ASA International Group's 3-Year EPS without NRI Growth Rate too high?
ASA International Group's current 3-Year EPS without NRI Growth Rate of 43.40% is 39% above median its 10-year median of 31.30. The Credit Services industry median 3-Year EPS without NRI Growth Rate is 11.40. ASA International Group's value of 43.40% is 280.7% above this industry median. Based on the distribution chart, ASA International Group ranks #78 out of 433 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 EPS without NRI Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, ASA International Group ranks #78 out of 433 companies for 3-Year EPS without NRI Growth Rate. This places ASA International Group in the top 18% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 11.40. ASA International Group's value of 43.40% is 280.7% above this benchmark. While the company's 10-year median is 31.30 vs. the industry median of 11.40, 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 EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.40, based on 433 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 43.40% is 280.7% 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for ASA International Group and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASA International Group's current 3-Year EPS without NRI Growth Rate is 43.40%, which is 39% above median its own 10-year median of 31.30. 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 £1.51, compared to a current price of £2.35 — trading 55.6% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 43.40%, which is 39% above median its 10-year median of 31.30 and 280.7% above the Credit Services industry median of 11.40. ASA International Group's overall GF Score™ is 80/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For ASA International Group (LSE:ASAI), the current 3-Year EPS without NRI Growth Rate is 43.40% 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 £2.35 is trading 55.6% above its estimated GF Value™ of £1.51.
GuruFocus considers ASA International Group to be Significantly Overvalued.
Key valuation signals for LSE:ASAI:
3-Year EPS without NRI Growth Rate: 43.40% (39% above median its 10-year median of 31.30)
GF Value™: £1.51 vs. price of £2.35 (55.6% above fair value)
Industry Position: 280.7% above the Credit Services median (#78 of 433)
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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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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