ASOvings & Loans (NSA:ASOSAVINGS) Effective Interest Rate on Debt %: 85.49% (As of Dec. 2024)


NSA:ASOSAVINGS ASO Savings & Loans PLC NSA:ASOSAVINGS
9 GF Score
Price ₦1.07
GF Value ₦0.98
! 6 Warning Signs
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What is ASOvings & Loans Effective Interest Rate on Debt %?

ASOvings & Loans NSA:ASOSAVINGS 9 Effective Interest Rate on Debt % is 85.49% as of Dec. 2024. GuruFocus rates NSA:ASOSAVINGS with a GF Score™ of 9/100 and a GF Value™ of ₦0.98. The stock has 6 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. ASOvings & Loans's annualized positive value of Interest Expense for the quarter that ended in Dec. 2024 was ₦1,185 Mil. ASOvings & Loans's average total debt for the quarter that ended in Dec. 2024 was ₦1,386 Mil. Therefore, ASOvings & Loans's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 was 85.49%.

ASOvings & Loans  (NSA:ASOSAVINGS) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

ASOvings & Loans Effective Interest Rate on Debt % Related Terms

ASOvings & Loans Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for ASOvings & Loans's Effective Interest Rate on 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.

ASOvings & Loans Effective Interest Rate on Debt % Chart

ASOvings & Loans Annual Data
Trend Dec17 Dec18 Dec19 Dec23 Dec24
Effective Interest Rate on Debt %
47.41 31.47 29.56 22.11 85.49

ASOvings & Loans Semi-Annual Data
Dec17 Dec18 Dec19 Dec23 Dec24
Effective Interest Rate on Debt % 47.41 31.47 29.56 22.11 85.49

NSA:ASOSAVINGS vs RKT, FNMA, PFSI: Effective Interest Rate on Debt % Comparison

For the Mortgage Finance subindustry, ASOvings & Loans's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on 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 Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, ASOvings & Loans's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where ASOvings & Loans's Effective Interest Rate on Debt % falls into.


NSA:ASOSAVINGS
9GF Score
ASO Savings & Loans PLC NSA:ASOSAVINGS
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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ASOvings & Loans Effective Interest Rate on Debt % Calculation

ASOvings & Loans's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2023 )+Total Debt  (A: Dec. 2024 ))/ count )
=-1  *  -1184.97/( (1375.843+1396.301)/ 2 )
=-1  *  -1184.97/1386.072
=85.49 %

where

Total Debt  (A: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1375.843 + 0
=1375.843

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1396.301 + 0
=1396.301

ASOvings & Loans's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2024 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2023 )+Total Debt  (Q: Dec. 2024 ))/ count )
=-1  *  -1184.97/( (1375.843+1396.301)/ 2 )
=-1  *  -1184.97/1386.072
=85.49 %

where

Total Debt  (Q: Dec. 2023 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1375.843 + 0
=1375.843

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1396.301 + 0
=1396.301

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is one times the annual (Dec. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 85.49% mean?
ASOvings & Loans (NSA:ASOSAVINGS) has a Effective Interest Rate on Debt % of 85.49% as of Dec. 2024. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on ASOvings & Loans and its competitors.
Is ASOvings & Loans' Effective Interest Rate on Debt % too high?
ASOvings & Loans' current Effective Interest Rate on Debt % is 85.49%. Overall, ASOvings & Loans has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does ASOvings & Loans' Effective Interest Rate on Debt % compare to RKT and FNMA?
ASOvings & Loans' Effective Interest Rate on Debt % of 85.49% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on ASOvings & Loans and its competitors. ASOvings & Loans's current Effective Interest Rate on Debt % is 85.49%. 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 Effective Interest Rate on Debt % of 85.49%. 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 Effective Interest Rate on Debt % is 85.49%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For ASOvings & Loans (NSA:ASOSAVINGS), the current Effective Interest Rate on Debt % is 85.49% 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:

  • Effective Interest Rate on Debt %: 85.49%
  • GF Value™: ₦0.98 vs. price of ₦1.07 (9.2% above fair value)
  • GF Score™: 9/100 with 6 warning signs

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.

ASOvings & Loans Business Description

Address Plot 266 Cadastral Zone AO, FMBN Building, Central Business District, Abuja, NGA
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

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦1.07
Price
₦0.98
GF Value