United Arab Bank PJSC (ADX:UAB) Scaled Net Operating Assets: 0.09 (As of Mar. 2026)

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ADX:UAB United Arab Bank PJSC ADX:UAB
60 GF Score
Price د.إ1.34
GF Value د.إ1.25
Valuation Fairly Valued
! 6 Warning Signs
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What is United Arab Bank PJSC Scaled Net Operating Assets?

United Arab Bank PJSC ADX:UAB 60 Scaled Net Operating Assets is 0.09 as of Mar. 2026. GuruFocus rates ADX:UAB with a GF Score™ of 60/100 and a GF Value™ of د.إ1.25 (Fairly Valued). The stock has 6 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.

United Arab Bank PJSC's operating assets for the quarter that ended in Mar. 2026 was د.إ24,355.8 Mil. United Arab Bank PJSC's operating liabilities for the quarter that ended in Mar. 2026 was د.إ22,050.9 Mil. United Arab Bank PJSC's Total Assets for the quarter that ended in Dec. 2025 was د.إ27,000.0 Mil. Therefore, United Arab Bank PJSC's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.09.

ADX:UAB
60GF Score
United Arab Bank PJSC ADX:UAB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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United Arab Bank 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.

United Arab Bank PJSC'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 )
=(23369.317-21968.321)/21461.48
=0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=26999.976 - 3630.659
=23369.317

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=22968.321 - 1000 - 0
=21968.321

United Arab Bank PJSC'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 )
=(24355.8-22050.863)/26999.976
=0.09

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=26892.936 - 2537.136
=24355.8

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=23050.863 - 1000 - 0
=22050.863

* 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 0.09 mean?
United Arab Bank PJSC (ADX:UAB) has a Scaled Net Operating Assets of 0.09 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 United Arab Bank PJSC and its competitors.
Is United Arab Bank PJSC's Scaled Net Operating Assets too high?
United Arab Bank PJSC's current Scaled Net Operating Assets is 0.09. Overall, United Arab Bank PJSC has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Arab Bank PJSC's Scaled Net Operating Assets compare to competitors?
United Arab Bank PJSC's Scaled Net Operating Assets of 0.09 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 United Arab Bank PJSC and its competitors. United Arab Bank PJSC's current Scaled Net Operating Assets is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Arab Bank PJSC stock overvalued right now?
Based on GuruFocus' analysis, United Arab Bank PJSC (ADX:UAB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ1.25, compared to a current price of د.إ1.34 — trading 7.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.09. United Arab Bank PJSC's overall GF Score™ is 60/100 with 6 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 United Arab Bank PJSC (ADX:UAB), the current Scaled Net Operating Assets is 0.09 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 United Arab Bank PJSC (ADX:UAB) Overvalued in 2026?

Based on GuruFocus' analysis, United Arab Bank PJSC stock appears to be overvalued. The current stock price of د.إ1.34 is trading 7.2% above its estimated GF Value™ of د.إ1.25. GuruFocus considers United Arab Bank PJSC to be Fairly Valued.

Key valuation signals for ADX:UAB:

  • Scaled Net Operating Assets: 0.09
  • GF Value™: د.إ1.25 vs. price of د.إ1.34 (7.2% above fair value)
  • GF Score™: 60/100 with 6 warning signs

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

United Arab Bank PJSC Business Description

Address Al Majaz Street, P.O. Box 25022, Buhaira Corniche, Emirate of Sarjah, Sharjah, ARE
United Arab Bank PJSC provides financial services. The company is organized into three segments: Wholesale Banking, Retail Banking, and Treasury and capital markets. Wholesale banking handles loans and other credit facilities and deposits and current accounts for corporate and institutional customers. Retail banking handles individual customers' deposits and provides consumer-type loans, overdrafts, credit card facilities, and funds transfer facilities and Treasury and capital markets engaged in investments and interbank treasury operations including transactions for foreign exchange, derivatives, margin FX and hedging strategies Islamic banking services, and others.
60GF Score

Get the complete analysis for ADX:UAB

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

د.إ1.34
Price
د.إ1.25
GF Value