Abu Dhabi Islamic Bank (ADX:ADIB) Scaled Net Operating Assets: -0.02 (As of Mar. 2026)


ADX:ADIB Abu Dhabi Islamic Bank ADX:ADIB
65 GF Score
Price د.إ20.98
GF Value د.إ19.49
Valuation Fairly Valued
! 2 Warning Signs
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What is Abu Dhabi Islamic Bank Scaled Net Operating Assets?

Abu Dhabi Islamic Bank ADX:ADIB +1.94% 65 Scaled Net Operating Assets is -0.02 as of Mar. 2026. GuruFocus rates ADX:ADIB with a GF Score™ of 65/100 and a GF Value™ of د.إ19.49 (Fairly Valued). The stock has 2 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.

Abu Dhabi Islamic Bank's operating assets for the quarter that ended in Mar. 2026 was د.إ244,843 Mil. Abu Dhabi Islamic Bank's operating liabilities for the quarter that ended in Mar. 2026 was د.إ250,650 Mil. Abu Dhabi Islamic Bank's Total Assets for the quarter that ended in Dec. 2025 was د.إ280,753 Mil. Therefore, Abu Dhabi Islamic Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.02.

ADX:ADIB
65GF Score
Abu Dhabi Islamic Bank ADX:ADIB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Abu Dhabi Islamic Bank 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.

Abu Dhabi Islamic Bank'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 )
=(229536.399-246372.35)/225909.795
=-0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=280753.148 - 51216.749
=229536.399

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=248383.528 - 2011.178 - 0
=246372.35

Abu Dhabi Islamic Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(244842.563-250649.752)/280753.148
=-0.02

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=287065.409 - 42222.846
=244842.563

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=256984.283 - 6334.531 - 0
=250649.752

* 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?
Abu Dhabi Islamic Bank (ADX:ADIB) has a Scaled Net Operating Assets of -0.02 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Abu Dhabi Islamic Bank and its competitors.
Is Abu Dhabi Islamic Bank's Scaled Net Operating Assets too high?
Abu Dhabi Islamic Bank's current Scaled Net Operating Assets is -0.02. Overall, Abu Dhabi Islamic Bank has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Islamic Bank's Scaled Net Operating Assets compare to competitors?
Abu Dhabi Islamic Bank'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 Abu Dhabi Islamic Bank and its competitors. Abu Dhabi Islamic Bank'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 Abu Dhabi Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Islamic Bank (ADX:ADIB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ19.49, compared to a current price of د.إ20.98 — trading 7.6% above its estimated fair value. The current Scaled Net Operating Assets is -0.02. Abu Dhabi Islamic Bank's overall GF Score™ is 65/100 with 2 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 Abu Dhabi Islamic Bank (ADX:ADIB), the current Scaled Net Operating Assets is -0.02 as of Mar. 2026. 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 Abu Dhabi Islamic Bank (ADX:ADIB) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi Islamic Bank stock appears to be overvalued. The current stock price of د.إ20.98 is trading 7.6% above its estimated GF Value™ of د.إ19.49. GuruFocus considers Abu Dhabi Islamic Bank to be Fairly Valued.

Key valuation signals for ADX:ADIB:

  • Scaled Net Operating Assets: -0.02
  • GF Value™: د.إ19.49 vs. price of د.إ20.98 (7.6% above fair value)
  • GF Score™: 65/100 with 2 warning signs

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

Abu Dhabi Islamic Bank Business Description

Address Sheikh Rashid Bin Saeed Street, Old Airport Road, opposite to Millennium Al Rawdah Hotel, Abu Dhabi, ARE
Abu Dhabi Islamic Bank is a banking corporation based in the United Arab Emirates. The bank is one of the regional Islamic services groups having a presence in countries like United Kingdoms, Iraq, Saudi Arabia, and Qatar and generates its revenues from its foreign operations. The activities of the bank like banking, financing, and investing are the pillars of its business. The banking and financing services comprise regional banking operations such as retail banking and its investing business includes capital market operations. The company conducts its operations through retail banking, which is its main revenue generator, wholesale banking, treasury, and other segments.
65GF 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.

د.إ20.98
Price
د.إ19.49
GF Value