ASOvings & Loans (NSA:ASOSAVINGS) FCF Margin %: -167.16% (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
View Full Analysis

What is ASOvings & Loans FCF Margin %?

ASOvings & Loans NSA:ASOSAVINGS 9 FCF Margin % is -167.16% 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.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. ASOvings & Loans's Free Cash Flow for the six months ended in Dec. 2024 was ₦-4,352 Mil. ASOvings & Loans's Revenue for the six months ended in Dec. 2024 was ₦2,603 Mil. Therefore, ASOvings & Loans's FCF Margin % for the quarter that ended in Dec. 2024 was -167.16%.

As of today, ASOvings & Loans's current FCF Yield % is -27.59%.

The historical rank and industry rank for ASOvings & Loans's FCF Margin % or its related term are showing as below:

NSA:ASOSAVINGS' s FCF Margin % Range Over the Past 10 Years
Min: -34234.91   Med: -219.27   Max: 52.43
Current: -167.16

During the past 5 years, the highest FCF Margin % of ASOvings & Loans was 52.43%. The lowest was -34234.91%. And the median was -219.27%.

NSA:ASOSAVINGS's FCF Margin % is not ranked
in the Banks industry.
Industry Median: 26.585 vs NSA:ASOSAVINGS: -167.16

ASOvings & Loans FCF Margin % Related Terms

ASOvings & Loans FCF Margin % Historical Data

* Premium members only.

The historical data trend for ASOvings & Loans's FCF Margin % 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 FCF Margin % Chart

ASOvings & Loans Annual Data
Trend Dec17 Dec18 Dec19 Dec23 Dec24
FCF Margin %
-34,234.91 -3,527.46 52.43 -219.27 -167.16

ASOvings & Loans Semi-Annual Data
Dec17 Dec18 Dec19 Dec23 Dec24
FCF Margin % -34,234.91 -3,527.46 52.43 -219.27 -167.16

NSA:ASOSAVINGS vs RKT, FNMA, PFSI: FCF Margin % Comparison

For the Mortgage Finance subindustry, ASOvings & Loans's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, ASOvings & Loans's FCF Margin % distribution charts can be found below:

* The bar in red indicates where ASOvings & Loans's FCF Margin % falls into.


NSA:ASOSAVINGS
9GF Score
ASO Savings & Loans PLC NSA:ASOSAVINGS
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ASOvings & Loans FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

ASOvings & Loans's FCF Margin for the fiscal year that ended in Dec. 2024 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2024 )/Revenue (A: Dec. 2024 )
=-4351.566/2603.237
=-167.16 %

ASOvings & Loans's FCF Margin for the quarter that ended in Dec. 2024 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2024 )/Revenue (Q: Dec. 2024 )
=-4351.566/2603.237
=-167.16 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -167.16% mean?
ASOvings & Loans (NSA:ASOSAVINGS) has a FCF Margin % of -167.16% as of Dec. 2024. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on ASOvings & Loans and its competitors.
Is ASOvings & Loans' FCF Margin % too high?
ASOvings & Loans' current FCF Margin % is -167.16%. Overall, ASOvings & Loans has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does ASOvings & Loans' FCF Margin % compare to RKT and FNMA?
ASOvings & Loans' FCF Margin % of -167.16% can be compared against companies in the Banks industry. The industry median FCF Margin % is 26.59. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.59, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on ASOvings & Loans and its competitors. For the Banks industry, the median FCF Margin % is 26.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASOvings & Loans's current FCF Margin % is -167.16%. 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 FCF Margin % of -167.16%. 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 FCF Margin % is -167.16%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For ASOvings & Loans (NSA:ASOSAVINGS), the current FCF Margin % is -167.16% 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:

  • FCF Margin %: -167.16%
  • 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

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦1.07
Price
₦0.98
GF Value