Banco Patagonia (BUE:BPAT) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


BUE:BPAT Banco Patagonia SA BUE:BPAT
58 GF Score
Price ARS2,080.00
GF Value ARS1,467.00
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Banco Patagonia Scaled Net Operating Assets?

Banco Patagonia BUE:BPAT -2.12% 58 Scaled Net Operating Assets is 0.12 as of Mar. 2026. GuruFocus rates BUE:BPAT with a GF Score™ of 58/100 and a GF Value™ of ARS1,467.00 (Significantly Overvalued). The stock has 2 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.

Banco Patagonia's operating assets for the quarter that ended in Mar. 2026 was ARS7,634,352 Mil. Banco Patagonia's operating liabilities for the quarter that ended in Mar. 2026 was ARS6,616,932 Mil. Banco Patagonia's Total Assets for the quarter that ended in Dec. 2025 was ARS8,765,107 Mil. Therefore, Banco Patagonia's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

BUE:BPAT
58GF Score
Banco Patagonia SA BUE:BPAT
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Patagonia 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.

Banco Patagonia'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 )
=(7274584.657-6351383.537)/7867515.754
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8765106.817 - 1490522.16
=7274584.657

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7107746.849 - 756363.312 - 0
=6351383.537

Banco Patagonia'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 )
=(7634352.402-6616931.895)/8765106.817
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=9163923.595 - 1529571.193
=7634352.402

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7322635.35 - 705703.455 - 0
=6616931.895

* 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 0.12 mean?
Banco Patagonia (BUE:BPAT) has a Scaled Net Operating Assets of 0.12 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 Banco Patagonia and its competitors.
Is Banco Patagonia's Scaled Net Operating Assets too high?
Banco Patagonia's current Scaled Net Operating Assets is 0.12. Overall, Banco Patagonia has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Patagonia's Scaled Net Operating Assets compare to PNC and USB?
Banco Patagonia's Scaled Net Operating Assets of 0.12 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 Banco Patagonia and its competitors. Banco Patagonia's current Scaled Net Operating Assets is 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Patagonia stock overvalued right now?
Based on GuruFocus' analysis, Banco Patagonia (BUE:BPAT) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS1,467.00, compared to a current price of ARS2,080.00 — trading 41.8% above its estimated fair value. The current Scaled Net Operating Assets is 0.12. Banco Patagonia's overall GF Score™ is 58/100 with 2 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 Banco Patagonia (BUE:BPAT), the current Scaled Net Operating Assets is 0.12 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 Banco Patagonia (BUE:BPAT) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Patagonia stock appears to be overvalued. The current stock price of ARS2,080.00 is trading 41.8% above its estimated GF Value™ of ARS1,467.00. GuruFocus considers Banco Patagonia to be Significantly Overvalued.

Key valuation signals for BUE:BPAT:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: ARS1,467.00 vs. price of ARS2,080.00 (41.8% above fair value)
  • GF Score™: 58/100 with 2 warning signs

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

Banco Patagonia Business Description

Address Avenida de Mayo 701, 24th Floor, Buenos Aires, ARG
Banco Patagonia SA is a commercial bank based in Argentina. It provides products and services including savings accounts, checking accounts. It also provides mortgage loans, debit and credit cards, fixed-term deposits, consumer and commercial loans personal loans and other banking services. The company serves individuals, foreign residents, corporate customers, large companies, medium and small enterprises as well as agribusiness, private, financial, non-financial and government sector.
58GF Score

Get the complete analysis for BUE:BPAT

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

ARS2,080.00
Price
ARS1,467.00
GF Value