ASA International GroupLSE:ASAI -2.46%80 Net Margin % is 21.49% as of Dec. 2025, which is 20% above its 10-year median of 17.95. GuruFocus rates LSE:ASAI with a GF Score™ of 80/100 and a GF Value™ of £1.47 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 534 Credit Services companies, ASA International Group ranks better than 63.3% on this metric.
The historical rank and industry rank for ASA International Group's Net Margin % or its related term are showing as below:
LSE:ASAI'
s Net Margin % Range Over the Past 10 Years
Min: -0.64 Med: 17.95 Max: 31.63
Current: 22.21
LSE:ASAI's Net Margin % is ranked better than 63.3% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs LSE:ASAI: 22.21
ASA International Group (LSE:ASAI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
ASA International Group Net Margin % Related Terms
ASA International Group Net Margin % Historical Data
* 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.
For the Credit Services subindustry, ASA International Group's Net Margin %, along with its competitors' market caps and Net 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.
ASA International Group Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ASA International Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where ASA International Group's Net Margin % falls into.
* 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 (LSE:ASAI) has a Net Margin % of 21.49% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on ASA International Group and its competitors. This is 20% above median its historical median of 17.95. According to the industry distribution chart, ASA International Group ranks #196 out of 534 companies in the Credit Services industry, placing it in the top 36.7%.
Is ASA International Group's Net Margin % too high?
ASA International Group's current Net Margin % of 21.49% is 20% above median its 10-year median of 17.95. The Credit Services industry median Net Margin % is 14.52. ASA International Group's value of 21.49% is 48% above this industry median. Based on the distribution chart, ASA International Group ranks #196 out of 534 companies in the Credit Services industry, which is above the industry midpoint. 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, ASA International Group ranks #196 out of 534 companies for Net Margin %. This puts ASA International Group in the upper half of its industry. The industry median Net Margin % is 14.52. ASA International Group's value of 21.49% is 48% above this benchmark. While the company's 10-year median is 17.95 vs. the industry median of 14.52, ASA International Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ASA International Group's current Net Margin % of 21.49% is 48% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on ASA International Group and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASA International Group's current Net Margin % is 21.49%, which is 20% above median its own 10-year median of 17.95. 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 £1.47, compared to a current price of £2.38 — trading 61.9% above its estimated fair value. The current Net Margin % is 21.49%, which is 20% above median its 10-year median of 17.95 and 48% above the Credit Services industry median of 14.52. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For ASA International Group (LSE:ASAI), the current Net Margin % is 21.49% 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 £2.38 is trading 61.9% above its estimated GF Value™ of £1.47.
GuruFocus considers ASA International Group to be Significantly Overvalued.
Key valuation signals for LSE:ASAI:
Net Margin %: 21.49% (20% above median its 10-year median of 17.95)
GF Value™: £1.47 vs. price of £2.38 (61.9% above fair value)
Industry Position: 48% above the Credit Services median (#196 of 534)
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 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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