EBKOF (Erste Group Bank AG.) Scaled Net Operating Assets: 0.15 (As of Mar. 2026)


EBKOF Erste Group Bank AG. EBKOF
76 GF Score
Price $133.65
GF Value $78.94
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Erste Group Bank AG. Scaled Net Operating Assets?

Erste Group Bank AG. EBKOF +1.94% 76 Scaled Net Operating Assets is 0.15 as of Mar. 2026. GuruFocus rates EBKOF with a GF Score™ of 76/100 and a GF Value™ of $78.94 (Significantly Overvalued). The stock has 6 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.

Erste Group Bank AG.'s operating assets for the quarter that ended in Mar. 2026 was $468,790 Mil. Erste Group Bank AG.'s operating liabilities for the quarter that ended in Mar. 2026 was $403,450 Mil. Erste Group Bank AG.'s Total Assets for the quarter that ended in Dec. 2025 was $431,585 Mil. Therefore, Erste Group Bank AG.'s scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.15.

EBKOF
76GF Score
Erste Group Bank AG. EBKOF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Erste Group Bank AG. 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.

Erste Group Bank AG.'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 )
=(383295.082-325898.126)/370404.188
=0.15

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=431585.48 - 48290.398
=383295.082

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=390995.316 - 65097.19 - 0
=325898.126

Erste Group Bank AG.'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 )
=(468789.596-403449.711)/431585.48
=0.15

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=520262.428 - 51472.832
=468789.596

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=473663.584 - 70213.873 - 0
=403449.711

* 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?
Erste Group Bank AG. (EBKOF) 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 Erste Group Bank AG. and its competitors.
Is Erste Group Bank AG.'s Scaled Net Operating Assets too high?
Erste Group Bank AG.'s current Scaled Net Operating Assets is 0.15. Overall, Erste Group Bank AG. has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Group Bank AG.'s Scaled Net Operating Assets compare to PNC?
Erste Group Bank AG.'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 Erste Group Bank AG. and its competitors. Erste Group Bank AG.'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 Erste Group Bank AG. stock overvalued right now?
Based on GuruFocus' analysis, Erste Group Bank AG. (EBKOF) is currently considered Significantly Overvalued. The stock's GF Value™ is $78.94, compared to a current price of $133.65 — trading 69.3% above its estimated fair value. The current Scaled Net Operating Assets is 0.15. Erste Group Bank AG.'s overall GF Score™ is 76/100 with 6 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 Erste Group Bank AG. (EBKOF), 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 Erste Group Bank AG. (EBKOF) Overvalued in 2026?

Based on GuruFocus' analysis, Erste Group Bank AG. stock appears to be overvalued. The current stock price of $133.65 is trading 69.3% above its estimated GF Value™ of $78.94. GuruFocus considers Erste Group Bank AG. to be Significantly Overvalued.

Key valuation signals for EBKOF:

  • Scaled Net Operating Assets: 0.15
  • GF Value™: $78.94 vs. price of $133.65 (69.3% above fair value)
  • GF Score™: 76/100 with 6 warning signs

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

Erste Group Bank AG. Business Description

Address Am Belvedere 1, Vienna, AUT, A-1100
Erste Group Bank AG. is an Austria-based financial services provider catering to the needs of individuals, corporates, small businesses, and other enterprises. It offers a complete range of banking and other financial services, such as savings accounts, asset management (including investment funds), consumer credit and mortgage lending, investment banking, securities and derivatives trading, project finance, foreign exchange trading, leasing, factoring, etc. The Group's operating segments are defined according to the core markets in which it operates and include Austria, Central and Eastern Europe, and Other. Maximum revenue is generated from the Central and Eastern Europe segment, which represents its operations in the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia.
76GF Score

Get the complete analysis for EBKOF

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

$133.65
Price
$78.94
GF Value