ASOvings & Loans (NSA:ASOSAVINGS) OCF Margin %: -153.55% (As of Dec. 2024)


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 OCF Margin %?

ASOvings & Loans NSA:ASOSAVINGS 9 OCF Margin % is -153.55% 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.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. ASOvings & Loans's Cash Flow from Operations for the six months ended in Dec. 2024 was ₦-3,997 Mil. ASOvings & Loans's Revenue for the six months ended in Dec. 2024 was ₦2,603 Mil. Therefore, ASOvings & Loans's OCF Margin % for the quarter that ended in Dec. 2024 was -153.55%.

As of today, ASOvings & Loans's current OCF Yield % is -25.34%.

The historical rank and industry rank for ASOvings & Loans's OCF Margin % or its related term are showing as below:

NSA:ASOSAVINGS' s OCF Margin % Range Over the Past 10 Years
Min: -32598.53   Med: -219.15   Max: 53.32
Current: -153.55

During the past 5 years, the highest OCF Margin % of ASOvings & Loans was 53.32%. The lowest was -32598.53%. And the median was -219.15%.

NSA:ASOSAVINGS's OCF Margin % is not ranked
in the Banks industry.
Industry Median: 29.485 vs NSA:ASOSAVINGS: -153.55

ASOvings & Loans OCF Margin % Related Terms

ASOvings & Loans OCF Margin % Historical Data

* Premium members only.

The historical data trend for ASOvings & Loans's OCF 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 OCF Margin % Chart

ASOvings & Loans Annual Data
Trend Dec17 Dec18 Dec19 Dec23 Dec24
OCF Margin %
-32,598.53 -3,477.70 53.32 -219.15 -153.55

ASOvings & Loans Semi-Annual Data
Dec17 Dec18 Dec19 Dec23 Dec24
OCF Margin % -32,598.53 -3,477.70 53.32 -219.15 -153.55

NSA:ASOSAVINGS vs RKT, FNMA, PFSI: OCF Margin % Comparison

For the Mortgage Finance subindustry, ASOvings & Loans's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry

For the Banks industry and Financial Services sector, ASOvings & Loans's OCF Margin % distribution charts can be found below:

* The bar in red indicates where ASOvings & Loans's OCF Margin % falls into.


NSA:ASOSAVINGS
9GF Score
ASO Savings & Loans PLC NSA:ASOSAVINGS
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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ASOvings & Loans OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

ASOvings & Loans's OCF Margin for the fiscal year that ended in Dec. 2024 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2024 )/Revenue (A: Dec. 2024 )
=-3997.236/2603.237
=-153.55 %

ASOvings & Loans's OCF Margin for the quarter that ended in Dec. 2024 is calculated as

OCF Margin=Cash Flow from Operations (Q: Dec. 2024 )/Revenue (Q: Dec. 2024 )
=-3997.236/2603.237
=-153.55 %

* 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 OCF Margin % →
What does a OCF Margin % of -153.55% mean?
ASOvings & Loans (NSA:ASOSAVINGS) has a OCF Margin % of -153.55% as of Dec. 2024. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on ASOvings & Loans and its competitors.
Is ASOvings & Loans' OCF Margin % too high?
ASOvings & Loans' current OCF Margin % is -153.55%. Overall, ASOvings & Loans has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does ASOvings & Loans' OCF Margin % compare to RKT and FNMA?
ASOvings & Loans' OCF Margin % of -153.55% can be compared against companies in the Banks industry. The industry median OCF Margin % is 29.49. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.49, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on ASOvings & Loans and its competitors. For the Banks industry, the median OCF Margin % is 29.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASOvings & Loans's current OCF Margin % is -153.55%. 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 OCF Margin % of -153.55%. 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 OCF Margin % is -153.55%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For ASOvings & Loans (NSA:ASOSAVINGS), the current OCF Margin % is -153.55% 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:

  • OCF Margin %: -153.55%
  • 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

OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₦1.07
Price
₦0.98
GF Value