ASOvings & Loans (NSA:ASOSAVINGS) Net Interest Income: ₦158 Mil (TTM As of Dec. 2024)

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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Net Interest Income?

ASOvings & Loans NSA:ASOSAVINGS 9 Net Interest Income is ₦158 Mil 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.

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. ASOvings & Loans's net interest income for the twelve months ended in Dec. 2024 was ₦158 Mil. Its net interest income for the trailing twelve months (TTM) ended in Dec. 2024 was ₦158 Mil.

ASOvings & Loans Net Interest Income Related Terms

ASOvings & Loans Net Interest Income Historical Data

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The historical data trend for ASOvings & Loans's Net Interest Income 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 Net Interest Income Chart

ASOvings & Loans Annual Data
Trend Dec17 Dec18 Dec19 Dec23 Dec24
Net Interest Income
-682.74 -247.35 -255.94 145.71 157.65

ASOvings & Loans Semi-Annual Data
Dec17 Dec18 Dec19 Dec23 Dec24
Net Interest Income -682.74 -247.35 -255.94 145.71 157.65
NSA:ASOSAVINGS
9GF Score
ASO Savings & Loans PLC NSA:ASOSAVINGS
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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ASOvings & Loans Net Interest Income Calculation

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Net Interest Income for the trailing twelve months (TTM) ended in Dec. 2024 was ₦158 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.

Frequently Asked Questions Learn more about Net Interest Income →
What does a Net Interest Income of ₦158 Mil mean?
ASOvings & Loans (NSA:ASOSAVINGS) has a Net Interest Income of ₦158 Mil as of Dec. 2024.
Is ASOvings & Loans' Net Interest Income too high?
ASOvings & Loans' current Net Interest Income is ₦158 Mil. Overall, ASOvings & Loans has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does ASOvings & Loans' Net Interest Income compare to RKT and FNMA?
ASOvings & Loans' Net Interest Income of ₦158 Mil 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 Net Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest Income 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 Net Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. ASOvings & Loans's current Net Interest Income is ₦158 Mil. 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 Net Interest Income of ₦158 Mil. 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 Net Interest Income is ₦158 Mil. 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 Net Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For ASOvings & Loans (NSA:ASOSAVINGS), the current Net Interest Income is ₦158 Mil 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:

  • Net Interest Income: ₦158 Mil
  • 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

Net Interest Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦1.07
Price
₦0.98
GF Value