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ASA International Group
ASA International Group (ASAI) investor relations material
ASA International Group Q4 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 TU earnings summary29 Jan, 2026
Executive summary
FY 2025 net profit expected to reach approximately $57m, doubling from $28.5m in 2024, driven by strategic growth and operational execution.
Gross Outstanding Loan Portfolio (OLP) rose to $628.4m, up 13% from Q3 2025 and 37% year-over-year, with client numbers increasing by nearly 100,000 in Q4.
Digital transformation advanced with the migration to Temenos Transact in Ghana and new digital apps for clients and loan officers; Tanzania migration planned for Q1 2026.
Leadership strengthened with new CEO and CFO appointments in Sierra Leone and Zambia.
Financial highlights
Gross OLP increased to $628.4m as of December 2025, a 37% year-over-year rise and 13% sequentially from Q3 2025.
FY 2025 net profit expected to be $57m, up 100% from the prior year.
Portfolio at Risk over 30 days (PAR > 30) improved to 1.8% at year-end, down from 2.0% at Q3 2025.
Total clients reached 2.8 million, up 4% from Q3 2025 and 11% year-over-year.
Outlook and guidance
Priorities for 2026 include sustainable growth, further digital transformation, organizational resilience, and operational excellence.
Tanzania digital migration scheduled for Q1 2026.
FY 2025 audited results and proposed final dividend to be announced on 15 April 2026.
Ghana T24 migration impact on operations?
Which countries saw PAR 30 portfolio quality decline?
Ghana OLP growth from cedi appreciation?
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Latest events from ASA International Group
- Net profit up 267% to $13.5m, OLP up 15%, with strong digital and regional growth.ASAI
H1 202420 Jan 2026 - Net profit for 2025 is set to significantly exceed the USD 48.3m consensus.ASAITrading Update4 Dec 2025
- Net profit surged 226% to USD 28.5m, driven by 21% loan growth and resumed dividends.ASAIH2 2024 & Q1 2025 TU28 Nov 2025
- Client base and loan portfolio grew strongly in Q3 2025, with digital advances in Ghana.ASAIQ3 2025 TU21 Oct 2025
- Net profit nearly doubled and loan portfolio surged, with robust equity and digital advances.ASAIH1 202524 Sep 2025
- Loan portfolio surged 37% year-over-year, with improved quality and client growth in Africa.ASAIH1 2025 TU22 Jul 2025
- Gross OLP rose 15% to USD 398m, with 2024 performance set to beat market consensus.ASAITrading Update13 Jun 2025
- Net profit surged to USD 24m in 2024 as loan growth and portfolio quality improved.ASAITrading Update6 Jun 2025
Next ASA International Group earnings date
H2 202515 Apr, 2026
ASA International Group
Next ASA International Group earnings date
H2 202515 Apr, 2026
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