AlRayan Bank (DSMD:MARK) Scaled Net Operating Assets: 0.15 (As of Mar. 2026)


DSMD:MARK AlRayan Bank DSMD:MARK
59 GF Score
Price ر.ق2.00
GF Value ر.ق2.61
Valuation Modestly Undervalued
! 5 Warning Signs
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What is AlRayan Bank Scaled Net Operating Assets?

AlRayan Bank DSMD:MARK -0.10% 59 Scaled Net Operating Assets is 0.15 as of Mar. 2026. GuruFocus rates DSMD:MARK with a GF Score™ of 59/100 and a GF Value™ of ر.ق2.61 (Modestly Undervalued). 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.

AlRayan Bank's operating assets for the quarter that ended in Mar. 2026 was ر.ق166,133 Mil. AlRayan Bank's operating liabilities for the quarter that ended in Mar. 2026 was ر.ق138,301 Mil. AlRayan Bank's Total Assets for the quarter that ended in Dec. 2025 was ر.ق181,258 Mil. Therefore, AlRayan Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.15.

DSMD:MARK
59GF Score
AlRayan Bank DSMD:MARK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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AlRayan 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.

AlRayan 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 )
=(170938.592-142602.181)/171093.777
=0.17

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=181258.047 - 10319.455
=170938.592

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=155256.574 - 12654.393 - 0
=142602.181

AlRayan 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 )
=(166133.036-138300.537)/181258.047
=0.15

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=174963.651 - 8830.615
=166133.036

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=149856.684 - 11556.147 - 0
=138300.537

* 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 0.15 mean?
AlRayan Bank (DSMD:MARK) has a Scaled Net Operating Assets of 0.15 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 AlRayan Bank and its competitors.
Is AlRayan Bank's Scaled Net Operating Assets too high?
AlRayan Bank's current Scaled Net Operating Assets is 0.15. Overall, AlRayan Bank has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AlRayan Bank's Scaled Net Operating Assets compare to PNC and USB?
AlRayan Bank's Scaled Net Operating Assets of 0.15 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 AlRayan Bank and its competitors. AlRayan Bank's current Scaled Net Operating Assets is 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AlRayan Bank stock overvalued right now?
Based on GuruFocus' analysis, AlRayan Bank (DSMD:MARK) is currently considered Modestly Undervalued. The stock's GF Value™ is ر.ق2.61, compared to a current price of ر.ق2.00 — trading 23.4% below its estimated fair value. The current Scaled Net Operating Assets is 0.15. AlRayan Bank's overall GF Score™ is 59/100 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 AlRayan Bank (DSMD:MARK), the current Scaled Net Operating Assets is 0.15 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 AlRayan Bank (DSMD:MARK) Overvalued in 2026?

Based on GuruFocus' analysis, AlRayan Bank stock appears to be undervalued. The current stock price of ر.ق2.00 is trading 23.4% below its estimated GF Value™ of ر.ق2.61. GuruFocus considers AlRayan Bank to be Modestly Undervalued.

Key valuation signals for DSMD:MARK:

  • Scaled Net Operating Assets: 0.15
  • GF Value™: ر.ق2.61 vs. price of ر.ق2.00 (23.4% below fair value)
  • GF Score™: 59/100 with 5 warning signs

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

AlRayan Bank Business Description

Address 69 Alad Al Sharqi Street, P.O. Box 28888, Lusail Marina, Doha, QAT
AlRayan Bank is engaged in Islamic banking, financing, investing, and brokerage activities. The services provided by the company include Retail banking, Corporate banking, Private banking, Investments, Credit cards, Debit cards, and other financial products.
59GF Score

Get the complete analysis for DSMD:MARK

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

ر.ق2.00
Price
ر.ق2.61
GF Value