Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
ASA International Group's 3-Year RORE % for the quarter that ended in Dec. 2025 was 55.36%.
The industry rank for ASA International Group's 3-Year RORE % or its related term are showing as below:
LSE:ASAI's 3-Year RORE % is ranked better than 85.14% of 518
companies
in the Credit Services industry
Industry Median: 8.58
vs LSE:ASAI: 55.36
ASA International Group (LSE:ASAI) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
ASA International Group 3-Year RORE % Related Terms
ASA International Group 3-Year RORE % Historical Data
* 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.
For the Credit Services subindustry, ASA International Group's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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.
ASA International Group 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, ASA International Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where ASA International Group's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
ASA International Group (LSE:ASAI) has a 3-Year RORE % of 55.36 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on ASA International Group and its competitors. According to the industry distribution chart, ASA International Group ranks #77 out of 518 companies in the Credit Services industry, placing it in the top 14.9%.
Is ASA International Group's 3-Year RORE % too high?
ASA International Group's current 3-Year RORE % is 55.36. The Credit Services industry median 3-Year RORE % is 8.58. ASA International Group's value of 55.36 is 545.2% above this industry median. Based on the distribution chart, ASA International Group ranks #77 out of 518 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, ASA International Group has a GF Score™ of 80/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ASA International Group's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, ASA International Group ranks #77 out of 518 companies for 3-Year RORE %. This places ASA International Group in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 8.58. ASA International Group's value of 55.36 is 545.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.58, based on 518 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ASA International Group's current 3-Year RORE % of 55.36 is 545.2% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on ASA International Group and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ASA International Group's current 3-Year RORE % is 55.36. 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 £1.48, compared to a current price of £2.42 — trading 63.5% above its estimated fair value. The current 3-Year RORE % is 55.36 and 545.2% above the Credit Services industry median of 8.58. ASA International Group's overall GF Score™ is 80/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For ASA International Group (LSE:ASAI), the current 3-Year RORE % is 55.36 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 £2.42 is trading 63.5% above its estimated GF Value™ of £1.48.
GuruFocus considers ASA International Group to be Significantly Overvalued.
Key valuation signals for LSE:ASAI:
3-Year RORE %: 55.36
GF Value™: £1.48 vs. price of £2.42 (63.5% above fair value)
Industry Position: 545.2% above the Credit Services median (#77 of 518)
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.
80GF Score
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