AIBRF (AIB Group) Scaled Net Operating Assets: -0.11 (As of Dec. 2025)


AIBRF AIB Group PLC AIBRF
69 GF Score
Price $11.50
GF Value $7.15
Valuation Significantly Overvalued
! 7 Warning Signs
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What is AIB Group Scaled Net Operating Assets?

AIB Group AIBRF -3.44% 69 Scaled Net Operating Assets is -0.11 as of Dec. 2025. GuruFocus rates AIBRF with a GF Score™ of 69/100 and a GF Value™ of $7.15 (Significantly Overvalued). The stock has 7 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.

AIB Group's operating assets for the quarter that ended in Dec. 2025 was $125,505 Mil. AIB Group's operating liabilities for the quarter that ended in Dec. 2025 was $143,337 Mil. AIB Group's Total Assets for the quarter that ended in Jun. 2025 was $166,461 Mil. Therefore, AIB Group's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.11.

AIBRF
69GF Score
AIB Group PLC AIBRF
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AIB Group 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.

AIB Group'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 )
=(125504.684-143337.237)/147922.513
=-0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=173478.923 - 47974.239
=125504.684

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=156276.347 - 12939.11 - 0
=143337.237

AIB Group'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: Jun. 2025 )
=(125504.684-143337.237)/166461.361
=-0.11

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=173478.923 - 47974.239
=125504.684

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=156276.347 - 12939.11 - 0
=143337.237

* 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 -0.11 mean?
AIB Group (AIBRF) has a Scaled Net Operating Assets of -0.11 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 AIB Group and its competitors.
Is AIB Group's Scaled Net Operating Assets too high?
AIB Group's current Scaled Net Operating Assets is -0.11. Overall, AIB Group has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does AIB Group's Scaled Net Operating Assets compare to PNC and USB?
AIB Group's Scaled Net Operating Assets of -0.11 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 AIB Group and its competitors. AIB Group's current Scaled Net Operating Assets is -0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIB Group stock overvalued right now?
Based on GuruFocus' analysis, AIB Group (AIBRF) is currently considered Significantly Overvalued. The stock's GF Value™ is $7.15, compared to a current price of $11.50 — trading 60.8% above its estimated fair value. The current Scaled Net Operating Assets is -0.11. AIB Group's overall GF Score™ is 69/100 with 7 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 AIB Group (AIBRF), the current Scaled Net Operating Assets is -0.11 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 AIB Group (AIBRF) Overvalued in 2026?

Based on GuruFocus' analysis, AIB Group stock appears to be overvalued. The current stock price of $11.50 is trading 60.8% above its estimated GF Value™ of $7.15. GuruFocus considers AIB Group to be Significantly Overvalued.

Key valuation signals for AIBRF:

  • Scaled Net Operating Assets: -0.11
  • GF Value™: $7.15 vs. price of $11.50 (60.8% above fair value)
  • GF Score™: 69/100 with 7 warning signs

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

AIB Group Business Description

Address 10 Molesworth Street, Dublin, IRL, D02 R126
AIB Group PLC is a banking services company. The company's operating segments are Retail Banking, Capital Markets, AIB UK, Climate & Infrastructure Capital (C&IC), and Group. It generates maximum revenue from the Retail Banking segment. The Retail Banking segment provides products and services through branch, digital, and phone banking channels. It focuses on delivering a seamless and transparent customer experience across all channels, while supporting the development of sustainable businesses within local communities. Geographically, it derives a majority of revenue from Ireland and also has a presence in the United Kingdom and the Rest of the World.
69GF 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.

$11.50
Price
$7.15
GF Value