EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, ASOvings & Loans's Enterprise Value is ₦16,254 Mil.
ASOvings & Loans's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2024 was ₦-4,352 Mil. Therefore, ASOvings & Loans's EV-to-FCF for today is -3.74.
The historical rank and industry rank for ASOvings & Loans's EV-to-FCF or its related term are showing as below:
NSA:ASOSAVINGS'
s EV-to-FCF Range Over the Past 10 Years
Min: -4.8 Med: -1.52 Max: 17.18
Current: -3.74
During the past 5 years, the highest EV-to-FCF of ASOvings & Loans was 17.18. The lowest was -4.80. And the median was -1.52.
NSA:ASOSAVINGS's EV-to-FCF is not ranked
in the Banks industry.
Industry Median: 6.57
vs NSA:ASOSAVINGS: -3.74
EV-to-FCF 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-FCF 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
ASOvings & Loans EV-to-FCF Related Terms
ASOvings & Loans EV-to-FCF Historical Data
* Premium members only.
The historical data trend for ASOvings & Loans's EV-to-FCF 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-FCF Chart
ASOvings & Loans Annual Data
Trend
Dec17
Dec18
Dec19
Dec23
Dec24
EV-to-FCF
-4.80
-2.72
17.18
-1.52
-1.80
ASOvings & Loans Semi-Annual Data
Dec17
Dec18
Dec19
Dec23
Dec24
EV-to-FCF
0.00
-2.72
17.18
-1.52
-1.80
NSA:ASOSAVINGS vs RKT, FNMA, PFSI: EV-to-FCF Comparison
For the Mortgage Finance subindustry, ASOvings & Loans's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, ASOvings & Loans's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where ASOvings & Loans's EV-to-FCF 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 Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2024 was ₦-4,352 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-FCF of -3.74 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on ASOvings & Loans and its competitors.
Is ASOvings & Loans' EV-to-FCF too high?
ASOvings & Loans' current EV-to-FCF is -3.74. 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-FCF compare to RKT and FNMA?
ASOvings & Loans' EV-to-FCF of -3.74 can be compared against companies in the Banks industry. The industry median EV-to-FCF is 6.57. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on ASOvings & Loans and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASOvings & Loans's current EV-to-FCF is -3.74. 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-FCF of -3.74. 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-FCF is -3.74. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For ASOvings & Loans (NSA:ASOSAVINGS), the current EV-to-FCF is -3.74 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-FCF: -3.74
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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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