ASOvings & Loans (NSA:ASOSAVINGS) PB Ratio: (As of Jul. 11, 2026)


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 PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-07-11), ASOvings & Loans's share price is ₦1.07. ASOvings & Loans's Book Value per Share for the quarter that ended in Dec. 2024 was ₦-4.26. Hence, ASOvings & Loans's PB Ratio of today is .

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

NSA:ASOSAVINGS's PB Ratio is not ranked *
in the Banks industry.
Industry Median: 1.1
* Ranked among companies with meaningful PB Ratio only.

During the past 3 years, the average Book Value Per Share Growth Rate was -25.40% per year.

During the past 5 years, the highest 3-Year average Book Value Per Share Growth Rate of ASOvings & Loans was -18.50% per year. The lowest was -25.40% per year. And the median was -21.95% per year.

Back to Basics: PB Ratio


ASOvings & Loans  (NSA:ASOSAVINGS) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


ASOvings & Loans PB Ratio Related Terms


ASOvings & Loans PB Ratio Historical Data

* Premium members only.

The historical data trend for ASOvings & Loans's PB Ratio 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 PB Ratio Chart

ASOvings & Loans Annual Data
Trend Dec17 Dec18 Dec19 Dec23 Dec24
PB Ratio
0.00 0.00 0.00 0.00 0.00

ASOvings & Loans Semi-Annual Data
Dec17 Dec18 Dec19 Dec23 Dec24
PB Ratio 0.00 0.00 0.00 0.00 0.00

NSA:ASOSAVINGS vs RKT, FNMA, PFSI: PB Ratio Comparison

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

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

* The bar in red indicates where ASOvings & Loans's PB Ratio falls into.


NSA:ASOSAVINGS
9GF Score
ASO Savings & Loans PLC NSA:ASOSAVINGS
PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ASOvings & Loans PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

ASOvings & Loans's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2024)
=1.07/-4.263
=

* 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.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.

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:

  • PB Ratio:
  • 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

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

₦1.07
Price
₦0.98
GF Value