ASA International Group PLC
LSE:ASAI

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ASA International Group PLC Logo
ASA International Group PLC
LSE:ASAI
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Price: 219 GBX -0.45% Market Closed
Market Cap: £219m

EV/EBITDA

3.5
Current
6%
More Expensive
vs 3-y average of 3.3

Enterprise Value to EBITDA (EV/EBITDA) ratio compares a company`s total enterprise value to its earnings before interest, taxes, depreciation, and amortization. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.

EV/EBITDA
3.5
=
Enterprise Value
GBX457m
/
EBITDA
$172.4m

Enterprise Value to EBITDA (EV/EBITDA) ratio compares a company`s total enterprise value to its earnings before interest, taxes, depreciation, and amortization. It shows how much investors are paying for each dollar of the company`s earnings, including both equity and debt.

EV/EBITDA
3.5
=
Enterprise Value
GBX457m
/
EBITDA
$172.4m

Valuation Scenarios

ASA International Group PLC is trading above its 3-year average

If EV/EBITDA returns to its 3-Year Average (3.3), the stock would be worth GBX207.53 (5% downside from current price).

Statistics
Positive Scenarios
2/4
Maximum Downside
-5%
Maximum Upside
+256%
Average Upside
105%
Scenario EV/EBITDA Value Implied Price Upside/Downside
Current Multiple 3.5 GBX219
0%
3-Year Average 3.3 GBX207.53
-5%
5-Year Average 3.4 GBX216.04
-1%
Industry Average 9.4 GBX590.22
+170%
Country Average 12.4 GBX779.08
+256%

Forward EV/EBITDA
Today’s price vs future ebitda

Today's Enterprise Value EBITDA Forward EV/EBITDA
GBX457m
/
Jan 2026
$172.4m
=
3.5
Current
GBX457m
/
Dec 2026
$107.1m
=
4.3
Forward

Forward EV/EBITDA shows whether today’s EV/EBITDA still looks high or low once future ebitda are taken into account.

Peer Comparison

All Multiples
EV/EBITDA
P/E
All Countries
Close
EV/EBITDA Multiple
EBITDA Growth EV/EBITDA to Growth
NL
ASA International Group PLC
LSE:ASAI
Average EV/EBITDA: 18.8
3.5
N/A N/A
US
American Express Co
NYSE:AXP
24.3
N/A N/A
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
25.4
13%
2
US
Discover Financial Services
NYSE:DFS
Not Available N/A N/A
US
Synchrony Financial
NYSE:SYF
Not Available N/A N/A
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
25.7
7%
3.7
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available N/A N/A
KZ
K
Kaspi.kz AO
NASDAQ:KSPI
Not Available N/A N/A
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
21.3
21%
1
IN
Tata Capital Ltd
NSE:TATACAP
12.4
N/A N/A

Market Distribution

Lower than 92% of companies in Netherlands
Percentile
8th
Based on 490 companies
8th percentile
3.5
Low
0 — 7.9
Typical Range
7.9 — 19.3
High
19.3 —
Distribution Statistics
Netherlands
Min 0
30th Percentile 7.9
Median 12.4
70th Percentile 19.3
Max 706

ASA International Group PLC
Glance View

Market Cap
219m GBX
Industry
Financial Services

ASA International Group PLC engages in the provision of microfinance investment services. The company is headquartered in Amsterdam, Noord-Holland and currently employs 12,535 full-time employees. The company went IPO on 2018-07-13. The firm offers microfinance for enhancement of small-sized businesses. The company targets the economically active low-income female micro-entrepreneurs. The firm's operational segments are divided geographically such as, South Asia, South East Asia, East Africa, and West Africa. The company operates through 1,387 branches globally. The firm operates in 12 countries that include India, Pakistan, Sri Lanka, Philippines, Myanmar, Tanzania, Uganda, Kenya, Rwanda, Nigeria, Sierra Leone, and Ghana.

ASAI Intrinsic Value
752.12 GBX
Undervaluation 71%
Intrinsic Value
Price GBX219
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