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ASA International Group has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
ASA International Group PLC displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate ASA International Group's interest coverage with the available data.
ASA International Group's debt to revenue ratio for the quarter that ended in Dec. 2025 was 1.54.
Altman Z-Score does not apply to banks and insurance companies.
ASA International Group (LSE:ASAI) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
ASA International Group has the Financial Strength Rank of 3. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
ASA International Group Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 3 as of Dec. 2025. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on ASA International Group and its competitors. This is near median its historical median of 3.00. Over the past decade, ASA International Group's Financial Strength has ranged from 2.00 to 3.00.
Is ASA International Group's Financial Strength too high?
ASA International Group's current Financial Strength of 3 is near median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 3.00. Overall, ASA International Group has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ASA International Group's Financial Strength compare to V and MA?
ASA International Group's Financial Strength of 3 can be compared against companies in the Credit Services industry. Historically, ASA International Group's own Financial Strength has ranged from 2.00 to 3.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Credit Services company?
A good Financial Strength depends on the Credit Services industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on ASA International Group and its competitors. ASA International Group's current Financial Strength is 3, which is near median its own 10-year median of 3.00. 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 £1.50, compared to a current price of £2.65 — trading 76.7% above its estimated fair value. The current Financial Strength is 3, which is near median its 10-year median of 3.00. ASA International Group's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For ASA International Group (LSE:ASAI), the current Financial Strength is 3 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 £2.65 is trading 76.7% above its estimated GF Value™ of £1.50.
GuruFocus considers ASA International Group to be Significantly Overvalued.
Key valuation signals for LSE:ASAI:
Financial Strength: 3 (near median its 10-year median of 3.00)
GF Value™: £1.50 vs. price of £2.65 (76.7% above fair value)
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.
74GF Score
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Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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