CHBJF (China Citic Bank) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


CHBJF China Citic Bank Corp Ltd CHBJF
44 GF Score
Price $0.85
GF Value $0.85
Valuation Fairly Valued
! 2 Warning Signs
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What is China Citic Bank Scaled Net Operating Assets?

China Citic Bank CHBJF 44 Scaled Net Operating Assets is 0.12 as of Mar. 2026. GuruFocus rates CHBJF with a GF Score™ of 44/100 and a GF Value™ of $0.85 (Fairly Valued). 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.

China Citic Bank's operating assets for the quarter that ended in Mar. 2026 was $1,352,150 Mil. China Citic Bank's operating liabilities for the quarter that ended in Mar. 2026 was $1,174,490 Mil. China Citic Bank's Total Assets for the quarter that ended in Dec. 2025 was $1,438,413 Mil. Therefore, China Citic Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

CHBJF
44GF Score
China Citic Bank Corp Ltd CHBJF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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China Citic 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.

China Citic 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 )
=(1295996.99-1121620.428)/1309313.94
=0.13

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1438412.653 - 142415.663
=1295996.99

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1318065.368 - 196444.94 - 0
=1121620.428

China Citic 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 )
=(1352150.143-1174490.358)/1438412.653
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1485934.476 - 133784.333
=1352150.143

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1360177.014 - 185686.656 - 0
=1174490.358

* 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?
China Citic Bank (CHBJF) 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 China Citic Bank and its competitors.
Is China Citic Bank's Scaled Net Operating Assets too high?
China Citic Bank's current Scaled Net Operating Assets is 0.12. Overall, China Citic Bank has a GF Score™ of 44/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Citic Bank's Scaled Net Operating Assets compare to competitors?
China Citic Bank'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 China Citic Bank and its competitors. China Citic Bank'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 China Citic Bank stock overvalued right now?
Based on GuruFocus' analysis, China Citic Bank (CHBJF) is currently considered Fairly Valued. The stock's GF Value™ is $0.85, compared to a current price of $0.85 — trading 0.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.12. China Citic Bank's overall GF Score™ is 44/100 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 China Citic Bank (CHBJF), 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 China Citic Bank (CHBJF) Overvalued in 2026?

Based on GuruFocus' analysis, China Citic Bank stock appears to be overvalued. The current stock price of $0.85 is trading 0.2% above its estimated GF Value™ of $0.85. GuruFocus considers China Citic Bank to be Fairly Valued.

Key valuation signals for CHBJF:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: $0.85 vs. price of $0.85 (0.2% above fair value)
  • GF Score™: 44/100 with 2 warning signs

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

China Citic Bank Business Description

Address 10 Guanghua Road, 6-30th Floor and 32-42th Floor, Building No. 1, Chaoyang District, Beijing, CHN, 100020
China Citic Bank, headquartered in Beijing, ranks as China's ninth-largest commercial lender. The bank operates a nationwide network of 1,459 branches across 153 cities, supplemented by offshore presence in Hong Kong, Macao, New York, Los Angeles, and Singapore as of mid-2024. Founded in 1987, it serves as a core subsidiary of Citic Group, a premier state-owned conglomerate.
44GF 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.

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