Banca Transilvania (BSE:TLV) Scaled Net Operating Assets: 0.01 (As of Mar. 2026)

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BSE:TLV Banca Transilvania SA BSE:TLV
84 GF Score
Price lei40.34
GF Value lei30.93
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Banca Transilvania Scaled Net Operating Assets?

Banca Transilvania BSE:TLV -3.05% 84 Scaled Net Operating Assets is 0.01 as of Mar. 2026. GuruFocus rates BSE:TLV with a GF Score™ of 84/100 and a GF Value™ of lei30.93 (Significantly Overvalued). The stock has 8 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.

Banca Transilvania's operating assets for the quarter that ended in Mar. 2026 was lei186,899 Mil. Banca Transilvania's operating liabilities for the quarter that ended in Mar. 2026 was lei184,489 Mil. Banca Transilvania's Total Assets for the quarter that ended in Dec. 2025 was lei224,414 Mil. Therefore, Banca Transilvania's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.01.

BSE:TLV
84GF Score
Banca Transilvania SA BSE:TLV
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banca Transilvania 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.

Banca Transilvania'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 )
=(182362.128-180725.462)/207035.478
=0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=224413.697 - 42051.569
=182362.128

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=201115.906 - 20390.444 - 0
=180725.462

Banca Transilvania'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 )
=(186898.787-184489.353)/224413.697
=0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=226965.382 - 40066.595
=186898.787

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=202896.078 - 18406.725 - 0
=184489.353

* 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 0.01 mean?
Banca Transilvania (BSE:TLV) has a Scaled Net Operating Assets of 0.01 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 Banca Transilvania and its competitors.
Is Banca Transilvania's Scaled Net Operating Assets too high?
Banca Transilvania's current Scaled Net Operating Assets is 0.01. Overall, Banca Transilvania has a GF Score™ of 84/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Transilvania's Scaled Net Operating Assets compare to PNC and USB?
Banca Transilvania's Scaled Net Operating Assets of 0.01 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 Banca Transilvania and its competitors. Banca Transilvania's current Scaled Net Operating Assets is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Transilvania stock overvalued right now?
Based on GuruFocus' analysis, Banca Transilvania (BSE:TLV) is currently considered Significantly Overvalued. The stock's GF Value™ is lei30.93, compared to a current price of lei40.34 — trading 30.4% above its estimated fair value. The current Scaled Net Operating Assets is 0.01. Banca Transilvania's overall GF Score™ is 84/100 with 8 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 Banca Transilvania (BSE:TLV), the current Scaled Net Operating Assets is 0.01 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 Banca Transilvania (BSE:TLV) Overvalued in 2026?

Based on GuruFocus' analysis, Banca Transilvania stock appears to be overvalued. The current stock price of lei40.34 is trading 30.4% above its estimated GF Value™ of lei30.93. GuruFocus considers Banca Transilvania to be Significantly Overvalued.

Key valuation signals for BSE:TLV:

  • Scaled Net Operating Assets: 0.01
  • GF Value™: lei30.93 vs. price of lei40.34 (30.4% above fair value)
  • GF Score™: 84/100 with 8 warning signs

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

Banca Transilvania Business Description

Other Exchanges 0DP9:UK7TB:Germany
Address 30-36 Calea Dorobantilor, Cluj-Napoca, ROU
Banca Transilvania SA Is a bank for entrepreneurs in Romania. It provides banking products and services to corporate and retail clients and its operation format is broken down into various segments which include Large and medium corporate customers, Small and medium-sized enterprises, Micro business clients, Retail, Treasury, Leasing, and customer finance, and others. The group takes an active role in offering products and services such as lending services, cash management services, asset management, investment, mortgage, deposits, card services, internet banking, tax assistance, and financial services for a medical specialty. Besides, the firm also offers financial investment management, brokerage service, factoring, and real estate services.
84GF 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.

lei40.34
Price
lei30.93
GF Value