ADBKF (Addiko Bank AG) Scaled Net Operating Assets: -0.02 (As of Dec. 2025)


ADBKF Addiko Bank AG ADBKF
71 GF Score
Price $30.23
GF Value $21.38
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Addiko Bank AG Scaled Net Operating Assets?

Addiko Bank AG ADBKF 71 Scaled Net Operating Assets is -0.02 as of Dec. 2025. GuruFocus rates ADBKF with a GF Score™ of 71/100 and a GF Value™ of $21.38 (Significantly Overvalued). The stock has 4 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Addiko Bank AG's operating assets for the quarter that ended in Dec. 2025 was $6,279.2 Mil. Addiko Bank AG's operating liabilities for the quarter that ended in Dec. 2025 was $6,439.6 Mil. Addiko Bank AG's Total Assets for the quarter that ended in Sep. 2025 was $7,466.5 Mil. Therefore, Addiko Bank AG's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.02.

ADBKF
71GF Score
Addiko Bank AG ADBKF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Addiko Bank AG Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Addiko Bank AG's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(6279.157-6439.578)/6710.89
=-0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=7516.979 - 1237.822
=6279.157

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=6464.988 - 25.41 - 0
=6439.578

Addiko Bank AG's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Sep. 2025 )
=(6279.157-6439.578)/7466.549
=-0.02

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=7516.979 - 1237.822
=6279.157

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=6464.988 - 25.41 - 0
=6439.578

* 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.

What does a Scaled Net Operating Assets of -0.02 mean?
Addiko Bank AG (ADBKF) has a Scaled Net Operating Assets of -0.02 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Addiko Bank AG and its competitors.
Is Addiko Bank AG's Scaled Net Operating Assets too high?
Addiko Bank AG's current Scaled Net Operating Assets is -0.02. Overall, Addiko Bank AG has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Addiko Bank AG's Scaled Net Operating Assets compare to PNC and USB?
Addiko Bank AG's Scaled Net Operating Assets of -0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Addiko Bank AG and its competitors. Addiko Bank AG's current Scaled Net Operating Assets is -0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Addiko Bank AG stock overvalued right now?
Based on GuruFocus' analysis, Addiko Bank AG (ADBKF) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.38, compared to a current price of $30.23 — trading 41.4% above its estimated fair value. The current Scaled Net Operating Assets is -0.02. Addiko Bank AG's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Addiko Bank AG (ADBKF), the current Scaled Net Operating Assets is -0.02 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 Addiko Bank AG (ADBKF) Overvalued in 2026?

Based on GuruFocus' analysis, Addiko Bank AG stock appears to be overvalued. The current stock price of $30.23 is trading 41.4% above its estimated GF Value™ of $21.38. GuruFocus considers Addiko Bank AG to be Significantly Overvalued.

Key valuation signals for ADBKF:

  • Scaled Net Operating Assets: -0.02
  • GF Value™: $21.38 vs. price of $30.23 (41.4% above fair value)
  • GF Score™: 71/100 with 4 warning signs

No single metric tells the full story. See the ADBKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Addiko Bank AG Business Description

Other Exchanges ZYE1:GermanyADKO:Austria
Address Canettistrasse 5/12 OG, Vienna, AUT, 1100
Addiko Bank AG is an international banking group. The company offers direct and term deposits, digital products, and various other services. The company's operating segments include Consumer, SME Business, Mortgage, Large Corporate & Public Finance, and Corporate Center. The company generates the majority of its revenue from the Consumer segment.
71GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.23
Price
$21.38
GF Value