OTP Bank (BUD:OTP) Scaled Net Operating Assets: 0.03 (As of Mar. 2026)


BUD:OTP OTP Bank PLC BUD:OTP
60 GF Score
Price Ft45,950.00
GF Value Ft28,826.39
Valuation Significantly Overvalued
! 5 Warning Signs
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What is OTP Bank Scaled Net Operating Assets?

OTP Bank BUD:OTP +0.94% 60 Scaled Net Operating Assets is 0.03 as of Mar. 2026. GuruFocus rates BUD:OTP with a GF Score™ of 60/100 and a GF Value™ of Ft28,826.39 (Significantly 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.

OTP Bank's operating assets for the quarter that ended in Mar. 2026 was Ft39,940,180 Mil. OTP Bank's operating liabilities for the quarter that ended in Mar. 2026 was Ft38,537,405 Mil. OTP Bank's Total Assets for the quarter that ended in Dec. 2025 was Ft45,427,144 Mil. Therefore, OTP Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.03.

BUD:OTP
60GF Score
OTP Bank PLC BUD:OTP
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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OTP 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.

OTP Bank'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 )
=(38445173-36704683)/43419128
=0.04

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=45427144 - 6981971
=38445173

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=39801528 - 3096845 - 0
=36704683

OTP Bank'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 )
=(39940180-38537405)/45427144
=0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=47860619 - 7920439
=39940180

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=42038699 - 3501294 - 0
=38537405

* 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 0.03 mean?
OTP Bank (BUD:OTP) has a Scaled Net Operating Assets of 0.03 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 OTP Bank and its competitors.
Is OTP Bank's Scaled Net Operating Assets too high?
OTP Bank's current Scaled Net Operating Assets is 0.03. Overall, OTP Bank has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does OTP Bank's Scaled Net Operating Assets compare to PNC and USB?
OTP Bank's Scaled Net Operating Assets of 0.03 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 OTP Bank and its competitors. OTP Bank's current Scaled Net Operating Assets is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is OTP Bank stock overvalued right now?
Based on GuruFocus' analysis, OTP Bank (BUD:OTP) is currently considered Significantly Overvalued. The stock's GF Value™ is Ft28,826.39, compared to a current price of Ft45,950.00 — trading 59.4% above its estimated fair value. The current Scaled Net Operating Assets is 0.03. OTP Bank's overall GF Score™ is 60/100 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 OTP Bank (BUD:OTP), the current Scaled Net Operating Assets is 0.03 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 OTP Bank (BUD:OTP) Overvalued in 2026?

Based on GuruFocus' analysis, OTP Bank stock appears to be overvalued. The current stock price of Ft45,950.00 is trading 59.4% above its estimated GF Value™ of Ft28,826.39. GuruFocus considers OTP Bank to be Significantly Overvalued.

Key valuation signals for BUD:OTP:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: Ft28,826.39 vs. price of Ft45,950.00 (59.4% above fair value)
  • GF Score™: 60/100 with 5 warning signs

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

OTP Bank Business Description

Address 16, Nador Street, Budapest, HUN, 1051
OTP Bank PLC provides universal financial services through several subsidiaries. It performs banking operations via its bank in Hungary. The Group's operating segments are as follows: OTP Core Hungary, Russia, Ukraine, Bulgaria, Romania, Serbia, Croatia, Montenegro, Albania, Moldova, Slovenia, Uzbekistan, Merkantil Group, Asset Management subsidiaries, other subsidiaries, and Corporate Centre. The Bank provides comprehensive banking & other financial services to both retail & corporate customers: its activities include deposit collection from customers, raising money from the money & capital markets. It also offers mortgage loans, consumer credits, working capital & investment loans to companies and municipalities. A majority of the bank's net revenue is net interest income.
60GF 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.

Ft45,950.00
Price
Ft28,826.39
GF Value