The historical rank and industry rank for ASOvings & Loans's Net Margin % or its related term are showing as below:
NSA:ASOSAVINGS'
s Net Margin % Range Over the Past 10 Years
Min: -710.67 Med: 3.18 Max: 8691.2
Current: 3.18
NSA:ASOSAVINGS's Net Margin % is not ranked
in the Banks industry.
Industry Median: 26.87
vs NSA:ASOSAVINGS: 3.18
ASOvings & Loans (NSA:ASOSAVINGS) 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.
ASOvings & Loans Net Margin % Related Terms
ASOvings & Loans Net Margin % Historical Data
* Premium members only.
The historical data trend for ASOvings & Loans's Net 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 Net Margin % Chart
ASOvings & Loans Annual Data
Trend
Dec17
Dec18
Dec19
Dec23
Dec24
Net Margin %
8,691.20
-710.67
-211.49
3.49
3.18
ASOvings & Loans Semi-Annual Data
Dec17
Dec18
Dec19
Dec23
Dec24
Net Margin %
8,691.20
-710.67
-211.49
3.49
3.18
NSA:ASOSAVINGS vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, ASOvings & Loans'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.
ASOvings & Loans Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, ASOvings & Loans's Net Margin % distribution charts can be found below:
* The bar in red indicates where ASOvings & Loans'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.
ASOvings & Loans (NSA:ASOSAVINGS) has a Net Margin % of 3.18% as of Dec. 2024. Net margin is the ratio of total net income to net sales. View historical data on ASOvings & Loans and its competitors. This is near median its historical median of 3.18.
Is ASOvings & Loans' Net Margin % too high?
ASOvings & Loans' current Net Margin % of 3.18% is near median its 10-year median of 3.18. The Banks industry median Net Margin % is 26.87. ASOvings & Loans' value of 3.18% is 88.2% below this industry median. 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 Margin % compare to RKT and FNMA?
ASOvings & Loans' Net Margin % of 3.18% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.87. ASOvings & Loans' value of 3.18% is 88.2% below this benchmark. While the company's 10-year median is 3.18 vs. the industry median of 26.87, ASOvings & Loans has consistently been below 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 Banks company?
The median Net Margin % among Banks companies is 26.87, based on 1,525 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. ASOvings & Loans's current Net Margin % of 3.18% is 88.2% below 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 ASOvings & Loans and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASOvings & Loans's current Net Margin % is 3.18%, which is near median its own 10-year median of 3.18. 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 Margin % of 3.18%. 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 Margin % is 3.18%, which is near median its 10-year median of 3.18 and 88.2% below the Banks industry median of 26.87. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For ASOvings & Loans (NSA:ASOSAVINGS), the current Net Margin % is 3.18% 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 Margin %: 3.18% (near median its 10-year median of 3.18)
GF Value™: ₦0.98 vs. price of ₦1.07 (9.2% above fair value)
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.
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 Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSA:ASOSAVINGS has been successfully added to your 