EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, ASOvings & Loans's Enterprise Value is ₦16,254 Mil.
ASOvings & Loans's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2024 was ₦-3,997 Mil. Therefore, ASOvings & Loans's EV-to-OCF for today is -4.07.
The historical rank and industry rank for ASOvings & Loans's EV-to-OCF or its related term are showing as below:
NSA:ASOSAVINGS'
s EV-to-OCF Range Over the Past 10 Years
Min: -5.04 Med: -1.52 Max: 16.89
Current: -4.07
During the past 5 years, the highest EV-to-OCF of ASOvings & Loans was 16.89. The lowest was -5.04. And the median was -1.52.
NSA:ASOSAVINGS's EV-to-OCF is not ranked
in the Banks industry.
Industry Median: 3.64
vs NSA:ASOSAVINGS: -4.07
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
ASOvings & Loans's PE Ratio (TTM) for today is calculated as:
ASOvings & Loans's share price for today is ₦1.07.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. ASOvings & Loans's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2024 was ₦0.006.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
ASOvings & Loans EV-to-OCF Related Terms
ASOvings & Loans EV-to-OCF Historical Data
* Premium members only.
The historical data trend for ASOvings & Loans's EV-to-OCF 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 EV-to-OCF Chart
ASOvings & Loans Annual Data
Trend
Dec17
Dec18
Dec19
Dec23
Dec24
EV-to-OCF
-5.04
-2.76
16.89
-1.52
-1.96
ASOvings & Loans Semi-Annual Data
Dec17
Dec18
Dec19
Dec23
Dec24
EV-to-OCF
0.00
-2.76
16.89
-1.52
-1.96
NSA:ASOSAVINGS vs RKT, FNMA, PFSI: EV-to-OCF Comparison
For the Mortgage Finance subindustry, ASOvings & Loans's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, ASOvings & Loans's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where ASOvings & Loans's EV-to-OCF falls into.
ASOvings & Loans's current Enterprise Value is ₦16,254 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. ASOvings & Loans's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2024 was ₦-3,997 Mil.
* 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 EV-to-OCF of -4.07 as of Jul. 11, 2026.
Is ASOvings & Loans' EV-to-OCF too high?
ASOvings & Loans' current EV-to-OCF is -4.07. Overall, ASOvings & Loans has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does ASOvings & Loans' EV-to-OCF compare to RKT and FNMA?
ASOvings & Loans' EV-to-OCF of -4.07 can be compared against companies in the Banks industry. The industry median EV-to-OCF is 3.64. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.64, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASOvings & Loans's current EV-to-OCF is -4.07. 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 EV-to-OCF of -4.07. 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 EV-to-OCF is -4.07. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For ASOvings & Loans (NSA:ASOSAVINGS), the current EV-to-OCF is -4.07 as of Jul. 11, 2026. 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:
EV-to-OCF: -4.07
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.
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