ASA International Group (ASAI) Q4 2025 TU earnings summary

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.