ASA International Group (LSE:ASAI) LT-Debt-to-Total-Asset: 0.54 (As of Dec. 2025)

What is ASA International Group LT-Debt-to-Total-Asset?

ASA International Group LSE:ASAI -1.22% 80 LT-Debt-to-Total-Asset is 0.54 as of Dec. 2025. GuruFocus rates LSE:ASAI with a GF Score™ of 80/100 and a GF Value™ of £1.48 (Significantly Overvalued). The stock has 5 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. ASA International Group's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.54.

ASA International Group's long-term debt to total assets ratio declined from Dec. 2024 (0.57) to Dec. 2025 (0.54). It may suggest that ASA International Group is progressively becoming less dependent on debt to grow their business.

ASA International Group (LSE:ASAI) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

ASA International Group LT-Debt-to-Total-Asset Related Terms

ASA International Group LT-Debt-to-Total-Asset Historical Data

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The historical data trend for ASA International Group's LT-Debt-to-Total-Asset 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.

ASA International Group LT-Debt-to-Total-Asset Chart

ASA International Group Annual Data

Trend

Dec16

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Dec20

Dec21

Dec22

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Dec25

LT-Debt-to-Total-Asset

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0.57

0.54

0.57

0.54

ASA International Group Semi-Annual Data
	Dec15	Dec16	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial														0.57	0.57	0.57	0.53	0.54

80GF Score

ASA International Group PLC LSE:ASAI

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ASA International Group LT-Debt-to-Total-Asset Calculation

ASA International Group's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	320.128	/	595.437
	=	0.54

ASA International Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	320.128	/	595.437
	=	0.54

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.54 mean?

ASA International Group (LSE:ASAI) has a LT-Debt-to-Total-Asset of 0.54 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ASA International Group and its competitors.

Is ASA International Group's LT-Debt-to-Total-Asset too high?

ASA International Group's current LT-Debt-to-Total-Asset is 0.54. 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 LT-Debt-to-Total-Asset compare to V and MA?

ASA International Group's LT-Debt-to-Total-Asset of 0.54 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ASA International Group and its competitors. ASA International Group's current LT-Debt-to-Total-Asset is 0.54. 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 £1.48, compared to a current price of £2.42 — trading 63.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.54. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For ASA International Group (LSE:ASAI), the current LT-Debt-to-Total-Asset is 0.54 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 £2.42 is trading 63.5% above its estimated GF Value™ of £1.48. GuruFocus considers ASA International Group to be Significantly Overvalued.

Key valuation signals for LSE:ASAI:

LT-Debt-to-Total-Asset: 0.54
GF Value™: £1.48 vs. price of £2.42 (63.5% above fair value)
GF Score™: 80/100 with 5 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies LSE:SUS LSE:DFCH LSE:TIME LSE:ICFG LSE:BANK LSE:LEND LSE:ORCH LSE:LIT LSE:FCH LSE:IPF V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges ASAIl:UK

Address Bir Uttam A.N.M. Nuruzzaman Sarak, ASA Tower, 10th Floor 23/3, Shyamoli, Dhaka, BGD, 1207

Website https://www.asa-international.com

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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£2.42

Price

£1.48

GF Value

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