Ujjivan Small Finance Bank (BOM:542904) Scaled Net Operating Assets: 0.00 (As of Jun. 2026)

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BOM:542904 Ujjivan Small Finance Bank Ltd BOM:542904
72 GF Score
Price ₹70.10
GF Value ₹60.81
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Ujjivan Small Finance Bank Scaled Net Operating Assets?

Ujjivan Small Finance Bank BOM:542904 -2.04% 72 Scaled Net Operating Assets is 0.00 as of Jun. 2026. GuruFocus rates BOM:542904 with a GF Score™ of 72/100 and a GF Value™ of ₹60.81 (Modestly Overvalued). 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.

Ujjivan Small Finance Bank's operating assets for the quarter that ended in Jun. 2026 was ₹0 Mil. Ujjivan Small Finance Bank's operating liabilities for the quarter that ended in Jun. 2026 was ₹0 Mil. Ujjivan Small Finance Bank's Total Assets for the quarter that ended in Mar. 2026 was ₹575,412 Mil. Therefore, Ujjivan Small Finance Bank's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.00.

BOM:542904
72GF Score
Ujjivan Small Finance Bank Ltd BOM:542904
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Ujjivan Small Finance 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.

Ujjivan Small Finance Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(541103.596-482395.172)/476891.515
=0.12

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=575412.051 - 34308.455
=541103.596

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=507255.285 - 24860.113 - 0
=482395.172

Ujjivan Small Finance Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(0-0)/575412.051
=0.00

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=0 - 0
=0

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

* 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 0.00 mean?
Ujjivan Small Finance Bank (BOM:542904) has a Scaled Net Operating Assets of 0.00 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Ujjivan Small Finance Bank and its competitors.
Is Ujjivan Small Finance Bank's Scaled Net Operating Assets too high?
Ujjivan Small Finance Bank's current Scaled Net Operating Assets is 0.00. Overall, Ujjivan Small Finance Bank has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ujjivan Small Finance Bank's Scaled Net Operating Assets compare to competitors?
Ujjivan Small Finance Bank's Scaled Net Operating Assets of 0.00 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 Ujjivan Small Finance Bank and its competitors. Ujjivan Small Finance Bank's current Scaled Net Operating Assets is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ujjivan Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, Ujjivan Small Finance Bank (BOM:542904) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹60.81, compared to a current price of ₹70.10 — trading 15.3% above its estimated fair value. The current Scaled Net Operating Assets is 0.00. Ujjivan Small Finance Bank's overall GF Score™ is 72/100 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 Ujjivan Small Finance Bank (BOM:542904), the current Scaled Net Operating Assets is 0.00 as of Jun. 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 Ujjivan Small Finance Bank (BOM:542904) Overvalued in 2026?

Based on GuruFocus' analysis, Ujjivan Small Finance Bank stock appears to be overvalued. The current stock price of ₹70.10 is trading 15.3% above its estimated GF Value™ of ₹60.81. GuruFocus considers Ujjivan Small Finance Bank to be Modestly Overvalued.

Key valuation signals for BOM:542904:

  • Scaled Net Operating Assets: 0.00
  • GF Value™: ₹60.81 vs. price of ₹70.10 (15.3% above fair value)
  • GF Score™: 72/100 with 5 warning signs

No single metric tells the full story. See the BOM:542904 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ujjivan Small Finance Bank Business Description

Other Exchanges UJJIVANSFB:India
Address No. 27, 3rd ‘A’ Cross, 18th Main, 6th Block, Grape Garden, Bengaluru, KA, IND, 560 095
Ujjivan Small Finance Bank Ltd is a mass-market-focused SFB in India, catering to unserved and underserved segments and committed to building financial inclusion in the country. Its segments are Treasury; Retail Banking; and Corporate/Wholesale Banking. The company's asset products comprise loans to its micro banking customers that include group loans and individual loans, agriculture and allied loans, MSE loans, affordable housing loans, financial institutions group loans, personal loans, and vehicle loans. It also offers savings accounts, current accounts, and a variety of deposit accounts. In addition, the company also provides non-credit offerings comprising ATM-cum-debit cards, Aadhaar enrolment services, distribution of third-party insurance products, and point-of-sales terminals.
72GF Score

Get the complete analysis for BOM:542904

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

₹70.10
Price
₹60.81
GF Value