The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, ASOvings & Loans's share price is ₦1.07.
ASOvings & Loans's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2024 was ₦0.18. Hence, ASOvings & Loans's PS Ratio for today is 6.05.
Warning Sign:
ASO Savings & Loans PLC stock PS Ratio (=6.05) is close to 5-year high of 6.05.
The historical rank and industry rank for ASOvings & Loans's PS Ratio or its related term are showing as below:
NSA:ASOSAVINGS'
s PS Ratio Range Over the Past 10 Years
Min: 2.82 Med: 4.5 Max: 500
Current: 6.05
During the past 5 years, ASOvings & Loans's highest PS Ratio was 500.00. The lowest was 2.82. And the median was 4.50.
NSA:ASOSAVINGS's PS Ratio is not ranked
in the Banks industry.
Industry Median: 3
vs NSA:ASOSAVINGS: 6.05
During the past 5 years, ASOvings & Loans's highest 3-Year average Revenue per Share Growth Rate was 457.20% per year. The lowest was 152.50% per year. And the median was 304.85% per year.
Back to Basics: PS Ratio
ASOvings & Loans (NSA:ASOSAVINGS) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
ASOvings & Loans PS Ratio Related Terms
ASOvings & Loans PS Ratio Historical Data
* Premium members only.
The historical data trend for ASOvings & Loans's PS 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 PS Ratio Chart
ASOvings & Loans Annual Data
Trend
Dec17
Dec18
Dec19
Dec23
Dec24
PS Ratio
500.00
45.45
4.50
2.89
2.82
ASOvings & Loans Semi-Annual Data
Dec17
Dec18
Dec19
Dec23
Dec24
PS Ratio
0.00
45.45
4.50
2.89
2.82
NSA:ASOSAVINGS vs RKT, FNMA, PFSI: PS Ratio Comparison
For the Mortgage Finance subindustry, ASOvings & Loans's PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, ASOvings & Loans's PS Ratio distribution charts can be found below:
* The bar in red indicates where ASOvings & Loans's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
ASOvings & Loans's Share Price of today is ₦1.07.
For company reported annually, GuruFocus uses latest annual data as the TTM data. ASOvings & Loans's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2024 was ₦0.18.
* 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:
ASOvings & Loans (NSA:ASOSAVINGS) has a PS Ratio of 6.05 as of Jul. 11, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on ASOvings & Loans and its competitors. This is 34% above median its historical median of 4.50. Over the past decade, ASOvings & Loans' PS Ratio has ranged from 2.82 to 500.00.
Is ASOvings & Loans' PS Ratio too high?
ASOvings & Loans' current PS Ratio of 6.05 is 34% above median its 10-year median of 4.50. Over the past 10 years, this metric has ranged from a low of 2.82 to a high of 500.00. The Banks industry median PS Ratio is 3.00. ASOvings & Loans' value of 6.05 is 101.7% above 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' PS Ratio compare to RKT and FNMA?
ASOvings & Loans' PS Ratio of 6.05 can be compared against companies in the Banks industry. The industry median PS Ratio is 3.00. ASOvings & Loans' value of 6.05 is 101.7% above this benchmark. Historically, ASOvings & Loans' own PS Ratio has ranged from 2.82 to 500.00 over the past decade. While the company's 10-year median is 4.50 vs. the industry median of 3.00, ASOvings & Loans 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.00, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ASOvings & Loans's current PS Ratio of 6.05 is 101.7% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on ASOvings & Loans and its competitors. For the Banks industry, the median PS Ratio is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASOvings & Loans's current PS Ratio is 6.05, which is 34% above median its own 10-year median of 4.50. 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 PS Ratio of 6.05. 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 PS Ratio is 6.05, which is 34% above median its 10-year median of 4.50 and 101.7% above the Banks industry median of 3.00. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For ASOvings & Loans (NSA:ASOSAVINGS), the current PS Ratio is 6.05 as of Jul. 11, 2026. 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:
PS Ratio: 6.05 (34% above median its 10-year median of 4.50)
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.
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