Aseana Properties (LSE:ASPL) Net Interest Margin (Bank Only) %: -147.67% (As of Dec. 2025)


LSE:ASPL Aseana Properties Ltd LSE:ASPL
8 GF Score
Price $0.07
GF Value $0.32
! 2 Warning Signs
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What is Aseana Properties Net Interest Margin (Bank Only) %?

Aseana Properties LSE:ASPL 8 Net Interest Margin (Bank Only) % is -147.67% as of Dec. 2025. GuruFocus rates LSE:ASPL with a GF Score™ of 8/100 and a GF Value™ of $0.32. The stock has 2 warning signs investors should review.

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Aseana Properties's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2025 was $-1.33 Mil. Aseana Properties's average earning assets for the quarter that ended in Dec. 2025 was $0.90 Mil. Therefore, Aseana Properties's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2025 was -147.67%.


Aseana Properties  (LSE:ASPL) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Aseana Properties Net Interest Margin (Bank Only) % Related Terms


Aseana Properties Net Interest Margin (Bank Only) % Historical Data

* Premium members only.

The historical data trend for Aseana Properties's Net Interest Margin (Bank Only) % 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.

Aseana Properties Net Interest Margin (Bank Only) % Chart

Aseana Properties Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -66.88 -55.59 -43.38 -160.07 -102.07

Aseana Properties Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -58.65 -153.81 -167.02 -82.86 -147.67

Aseana Properties Net Interest Margin (Bank Only) % Competitor Comparison

For the Real Estate - Development subindustry, Aseana Properties's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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.


Aseana Properties Net Interest Margin (Bank Only) % vs Real Estate Industry

For the Real Estate industry and Real Estate sector, Aseana Properties's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Aseana Properties's Net Interest Margin (Bank Only) % falls into.


LSE:ASPL
8GF Score
Aseana Properties Ltd LSE:ASPL
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Aseana Properties Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Aseana Properties's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2025 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2024 ) + Earning Assets (A: Dec. 2025 ))/ count )
=-1.553/( (2.141 + 0.902)/ 2 )
=-1.553/1.5215
=-102.07 %

where

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=2.141 + 0 + 0
=2.141

Earning Assets(A: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0.902 + 0 + 0
=0.902

Aseana Properties's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2025 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2025 ) + Earning Assets (Q: Dec. 2025 ))/ count )
=-1.332/( (0 + 0.902)/ 1 )
=-1.332/0.902
=-147.67 %

where

Earning Assets(Q: Jun. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 0
=0

Earning Assets(Q: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0.902 + 0 + 0
=0.902

* 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.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is two times the semi-annual (Dec. 2025) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.

What does a Net Interest Margin (Bank Only) % of -147.67% mean?
Aseana Properties (LSE:ASPL) has a Net Interest Margin (Bank Only) % of -147.67% as of Dec. 2025. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Aseana Properties and its competitors.
Is Aseana Properties' Net Interest Margin (Bank Only) % too high?
Aseana Properties' current Net Interest Margin (Bank Only) % is -147.67%. Overall, Aseana Properties has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Aseana Properties' Net Interest Margin (Bank Only) % compare to competitors?
Aseana Properties' Net Interest Margin (Bank Only) % of -147.67% can be compared against companies in the Real Estate 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 Margin (Bank Only) % for a Real Estate company?
A good Net Interest Margin (Bank Only) % depends on the Real Estate industry context. However, Net Interest Margin (Bank Only) % 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 Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Aseana Properties and its competitors. Aseana Properties's current Net Interest Margin (Bank Only) % is -147.67%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aseana Properties stock overvalued right now?
Aseana Properties (LSE:ASPL) has a current Net Interest Margin (Bank Only) % of -147.67%. The stock's GF Value™ is $0.32, compared to a current price of $0.07 — trading 78.1% below its estimated fair value. The current Net Interest Margin (Bank Only) % is -147.67%. Aseana Properties' overall GF Score™ is 8/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Aseana Properties (LSE:ASPL), the current Net Interest Margin (Bank Only) % is -147.67% 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 Aseana Properties (LSE:ASPL) Overvalued in 2026?

Based on GuruFocus' analysis, Aseana Properties stock appears to be undervalued. The current stock price of $0.07 is trading 78.1% below its estimated GF Value™ of $0.32.

Key valuation signals for LSE:ASPL:

  • Net Interest Margin (Bank Only) %: -147.67%
  • GF Value™: $0.32 vs. price of $0.07 (78.1% below fair value)
  • GF Score™: 8/100 with 2 warning signs

No single metric tells the full story. See the LSE:ASPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Aseana Properties Business Description

Address Old Street, 1st Floor, Osprey House, St. Helier, JEY, JE2 3RG
Aseana Properties Ltd, together with its subsidiaries, is focused on property development opportunities in Malaysia. The Group's principal business activities include developing upscale residential and hospitality projects in Malaysia, such as the RuMa Residence, Sandakan Harbour Mall, and Hotel, and the RuMa Hotel and Residences. Its reportable operating segments are identified based on business units as follows: Urban DNA Sdn. Bhd, which developed The RuMa Hotel and Residences, and generates maximum revenue; Amatir Resources Sdn. Bhd; ICSD Ventures Sdn. Bhd; Ireka Land Sdn. Bhd; and Investment Holding Companies. Geographically, the Group generates revenue from the sale of completed units in Malaysia.
8GF Score

Get the complete analysis for LSE:ASPL

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.07
Price
$0.32
GF Value