Finance House PJSC (ADX:FH) Scaled Net Operating Assets: 0.06 (As of Jun. 2025)


ADX:FH Finance House PJSC ADX:FH
49 GF Score
Price د.إ2.10
GF Value د.إ2.21
Valuation Fairly Valued
! 5 Warning Signs
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What is Finance House PJSC Scaled Net Operating Assets?

Finance House PJSC ADX:FH 49 Scaled Net Operating Assets is 0.06 as of Jun. 2025. GuruFocus rates ADX:FH with a GF Score™ of 49/100 and a GF Value™ of د.إ2.21 (Fairly Valued). The stock has 5 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.

Finance House PJSC's operating assets for the quarter that ended in Jun. 2025 was د.إ2,695.0 Mil. Finance House PJSC's operating liabilities for the quarter that ended in Jun. 2025 was د.إ2,480.4 Mil. Finance House PJSC's Total Assets for the quarter that ended in Mar. 2025 was د.إ3,330.5 Mil. Therefore, Finance House PJSC's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2025 was 0.06.

ADX:FH
49GF Score
Finance House PJSC ADX:FH
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Finance House PJSC 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.

Finance House PJSC's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2024 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2024 )
=(Operating Assets (A: Dec. 2024 )-Operating Liabilities (A: Dec. 2024 ))/Total Assets (A: Dec. 2023 )
=(2738.215-2195.373)/2765.522
=0.20

where

Operating Assets(A: Dec. 2024 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3129.319 - 391.104
=2738.215

Operating Liabilities(A: Dec. 2024 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2490.373 - 295 - 0
=2195.373

Finance House PJSC's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2025 )
=(Operating Assets (Q: Jun. 2025 )-Operating Liabilities (Q: Jun. 2025 ))/Total Assets (Q: Mar. 2025 )
=(2695.003-2480.413)/3330.528
=0.06

where

Operating Assets(Q: Jun. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3424.188 - 729.185
=2695.003

Operating Liabilities(Q: Jun. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2785.413 - 305 - 0
=2480.413

* 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 0.06 mean?
Finance House PJSC (ADX:FH) has a Scaled Net Operating Assets of 0.06 as of Jun. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Finance House PJSC and its competitors.
Is Finance House PJSC's Scaled Net Operating Assets too high?
Finance House PJSC's current Scaled Net Operating Assets is 0.06. Overall, Finance House PJSC has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finance House PJSC's Scaled Net Operating Assets compare to V and MA?
Finance House PJSC's Scaled Net Operating Assets of 0.06 can be compared against companies in the Credit Services 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 Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services 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 Finance House PJSC and its competitors. Finance House PJSC's current Scaled Net Operating Assets is 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finance House PJSC stock overvalued right now?
Based on GuruFocus' analysis, Finance House PJSC (ADX:FH) is currently considered Fairly Valued. The stock's GF Value™ is د.إ2.21, compared to a current price of د.إ2.10 — trading 5% below its estimated fair value. The current Scaled Net Operating Assets is 0.06. Finance House PJSC's overall GF Score™ is 49/100 with 5 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 Finance House PJSC (ADX:FH), the current Scaled Net Operating Assets is 0.06 as of Jun. 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 Finance House PJSC (ADX:FH) Overvalued in 2026?

Based on GuruFocus' analysis, Finance House PJSC stock appears to be undervalued. The current stock price of د.إ2.10 is trading 5% below its estimated GF Value™ of د.إ2.21. GuruFocus considers Finance House PJSC to be Fairly Valued.

Key valuation signals for ADX:FH:

  • Scaled Net Operating Assets: 0.06
  • GF Value™: د.إ2.21 vs. price of د.إ2.10 (5% below fair value)
  • GF Score™: 49/100 with 5 warning signs

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

Finance House PJSC Business Description

Address Zayed 1st Street, Khalidiya Area, P.O.Box: 7878, Orjowan Tower Building, Abu Dhabi, ARE
Finance House PJSC is a provider of financial products and services. The group is organised into six major business segments: Commercial and Retail Financing, which provides loans and other credit facilities for institutional and individual customers; Investment, which involves the management of the investment portfolio and treasury activities; Islamic Financing and Investing, which provides investment, consumer and commercial financing; Insurance, which involves non-life insurance services; Construction, involves construction related activities; and Brokerage Services. The group primarily operates in the United Arab Emirates.
49GF Score

Get the complete analysis for ADX:FH

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

د.إ2.10
Price
د.إ2.21
GF Value