Banco Nacional de Credito CA (CAR:BNC) Scaled Net Operating Assets: -0.59 (As of Dec. 2025)

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CAR:BNC Banco Nacional de Credito CA CAR:BNC
88 GF Score
Price VES472.95
GF Value VES231.29
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Banco Nacional de Credito CA Scaled Net Operating Assets?

Banco Nacional de Credito CA CAR:BNC -0.22% 88 Scaled Net Operating Assets is -0.59 as of Dec. 2025. GuruFocus rates CAR:BNC with a GF Score™ of 88/100 and a GF Value™ of VES231.29 (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 Nacional de Credito CA's operating assets for the quarter that ended in Dec. 2025 was VES115,103 Mil. Banco Nacional de Credito CA's operating liabilities for the quarter that ended in Dec. 2025 was VES163,725 Mil. Banco Nacional de Credito CA's Total Assets for the quarter that ended in Jun. 2025 was VES82,287 Mil. Therefore, Banco Nacional de Credito CA's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.59.

CAR:BNC
88GF Score
Banco Nacional de Credito CA CAR:BNC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Nacional de Credito CA 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 Nacional de Credito CA'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 )
=(115102.644-163724.631)/40522.191
=-1.20

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=235800.664 - 120698.02
=115102.644

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=163748.224 - 23.593 - 0
=163724.631

Banco Nacional de Credito CA'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 )
=(115102.644-163724.631)/82286.711
=-0.59

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=235800.664 - 120698.02
=115102.644

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=163748.224 - 23.593 - 0
=163724.631

* 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 -0.59 mean?
Banco Nacional de Credito CA (CAR:BNC) has a Scaled Net Operating Assets of -0.59 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 Banco Nacional de Credito CA and its competitors.
Is Banco Nacional de Credito CA's Scaled Net Operating Assets too high?
Banco Nacional de Credito CA's current Scaled Net Operating Assets is -0.59. Overall, Banco Nacional de Credito CA has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Nacional de Credito CA's Scaled Net Operating Assets compare to PNC and USB?
Banco Nacional de Credito CA's Scaled Net Operating Assets of -0.59 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 Nacional de Credito CA and its competitors. Banco Nacional de Credito CA's current Scaled Net Operating Assets is -0.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Nacional de Credito CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Nacional de Credito CA (CAR:BNC) is currently considered Significantly Overvalued. The stock's GF Value™ is VES231.29, compared to a current price of VES472.95 — trading 104.5% above its estimated fair value. The current Scaled Net Operating Assets is -0.59. Banco Nacional de Credito CA's overall GF Score™ is 88/100 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 Nacional de Credito CA (CAR:BNC), the current Scaled Net Operating Assets is -0.59 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 Banco Nacional de Credito CA (CAR:BNC) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Nacional de Credito CA stock appears to be overvalued. The current stock price of VES472.95 is trading 104.5% above its estimated GF Value™ of VES231.29. GuruFocus considers Banco Nacional de Credito CA to be Significantly Overvalued.

Key valuation signals for CAR:BNC:

  • Scaled Net Operating Assets: -0.59
  • GF Value™: VES231.29 vs. price of VES472.95 (104.5% above fair value)
  • GF Score™: 88/100 with 2 warning signs

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

Banco Nacional de Credito CA Business Description

Address Francisco de Miranda Avenue between Los Cortijos Avenue, BNC Tower, Campo Alegre Urbanization, Chacao Municipality, Capital District, Caracas, VEN
Banco Nacional de Credito CA operates as a commercial bank in Venezuela. The group's business objective is to provide financial intermediation which consists of the procurement of funds for the purpose of granting credits and it also invests in securities.
88GF Score

Get the complete analysis for CAR:BNC

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

VES472.95
Price
VES231.29
GF Value