IFIC Bank (DHA:IFIC) Scaled Net Operating Assets: -0.06 (As of Mar. 2026)


DHA:IFIC IFIC Bank PLC DHA:IFIC
46 GF Score
Price BDT5.00
GF Value BDT3.05
Valuation Significantly Overvalued
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What is IFIC Bank Scaled Net Operating Assets?

IFIC Bank DHA:IFIC -1.96% 46 Scaled Net Operating Assets is -0.06 as of Mar. 2026. GuruFocus rates DHA:IFIC with a GF Score™ of 46/100 and a GF Value™ of BDT3.05 (Significantly Overvalued).

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

IFIC Bank's operating assets for the quarter that ended in Mar. 2026 was BDT541,539.03 Mil. IFIC Bank's operating liabilities for the quarter that ended in Mar. 2026 was BDT578,455.51 Mil. IFIC Bank's Total Assets for the quarter that ended in Dec. 2025 was BDT592,288.37 Mil. Therefore, IFIC Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.06.

DHA:IFIC
46GF Score
IFIC Bank PLC DHA:IFIC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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IFIC 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.

IFIC 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 )
=(537000.893-573168.594)/571479.722
=-0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=592288.366 - 55287.473
=537000.893

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=582745.39 - 9576.796 - 0
=573168.594

IFIC 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 )
=(541539.027-578455.513)/592288.366
=-0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=591046.32 - 49507.293
=541539.027

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=590119.883 - 11664.37 - 0
=578455.513

* 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 -0.06 mean?
IFIC Bank (DHA:IFIC) has a Scaled Net Operating Assets of -0.06 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 IFIC Bank and its competitors.
Is IFIC Bank's Scaled Net Operating Assets too high?
IFIC Bank's current Scaled Net Operating Assets is -0.06. Overall, IFIC Bank has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IFIC Bank's Scaled Net Operating Assets compare to competitors?
IFIC Bank's Scaled Net Operating Assets of -0.06 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 IFIC Bank and its competitors. IFIC Bank's current Scaled Net Operating Assets is -0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IFIC Bank stock overvalued right now?
Based on GuruFocus' analysis, IFIC Bank (DHA:IFIC) is currently considered Significantly Overvalued. The stock's GF Value™ is BDT3.05, compared to a current price of BDT5.00 — trading 63.9% above its estimated fair value. The current Scaled Net Operating Assets is -0.06. IFIC Bank's overall GF Score™ is 46/100. 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 IFIC Bank (DHA:IFIC), the current Scaled Net Operating Assets is -0.06 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 IFIC Bank (DHA:IFIC) Overvalued in 2026?

Based on GuruFocus' analysis, IFIC Bank stock appears to be overvalued. The current stock price of BDT5.00 is trading 63.9% above its estimated GF Value™ of BDT3.05. GuruFocus considers IFIC Bank to be Significantly Overvalued.

Key valuation signals for DHA:IFIC:

  • Scaled Net Operating Assets: -0.06
  • GF Value™: BDT3.05 vs. price of BDT5.00 (63.9% above fair value)
  • GF Score™: 46/100

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

IFIC Bank Business Description

Address 61 Purana Paltan, GPO Box : 2229, IFIC Tower, Dhaka, BGD, 1000
IFIC Bank PLC is a commercial banking company in Bangladesh. The company provides corporate banking, retail banking internet banking, and SME banking. The company is also engaged in Treasury and capital market offering Cash Management, Liquidity Planning, Liquidity Protection, Trading of Foreign Exchange and Money Market Instruments, and Risk Management. Its segments are Corporate; SME; Short term Agri credit; Consumer and Others. It derives interest income from the Conventional banking unit and Off-Shore banking unit.
46GF 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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