FNBKY (FinecoBank SpA) Scaled Net Operating Assets: 0.03 (As of Dec. 2025)


FNBKY FinecoBank SpA FNBKY
73 GF Score
Price $50.99
GF Value $40.36
Valuation Modestly Overvalued
! 5 Warning Signs
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What is FinecoBank SpA Scaled Net Operating Assets?

FinecoBank SpA FNBKY 73 Scaled Net Operating Assets is 0.03 as of Dec. 2025. GuruFocus rates FNBKY with a GF Score™ of 73/100 and a GF Value™ of $40.36 (Modestly Overvalued). 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.

FinecoBank SpA's operating assets for the quarter that ended in Dec. 2025 was $41,093 Mil. FinecoBank SpA's operating liabilities for the quarter that ended in Dec. 2025 was $39,660 Mil. FinecoBank SpA's Total Assets for the quarter that ended in Sep. 2025 was $42,693 Mil. Therefore, FinecoBank SpA's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.03.

FNBKY
73GF Score
FinecoBank SpA FNBKY
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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FinecoBank SpA 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.

FinecoBank SpA'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 )
=(41093.096-39660.099)/36323.369
=0.04

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=43672.015 - 2578.919
=41093.096

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=40682.174 - 1022.075 - 0
=39660.099

FinecoBank SpA'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: Sep. 2025 )
=(41093.096-39660.099)/42693.282
=0.03

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=43672.015 - 2578.919
=41093.096

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=40682.174 - 1022.075 - 0
=39660.099

* 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 0.03 mean?
FinecoBank SpA (FNBKY) has a Scaled Net Operating Assets of 0.03 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 FinecoBank SpA and its competitors.
Is FinecoBank SpA's Scaled Net Operating Assets too high?
FinecoBank SpA's current Scaled Net Operating Assets is 0.03. Overall, FinecoBank SpA has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FinecoBank SpA's Scaled Net Operating Assets compare to competitors?
FinecoBank SpA's Scaled Net Operating Assets of 0.03 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 FinecoBank SpA and its competitors. FinecoBank SpA's current Scaled Net Operating Assets is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FinecoBank SpA stock overvalued right now?
Based on GuruFocus' analysis, FinecoBank SpA (FNBKY) is currently considered Modestly Overvalued. The stock's GF Value™ is $40.36, compared to a current price of $50.99 — trading 26.3% above its estimated fair value. The current Scaled Net Operating Assets is 0.03. FinecoBank SpA's overall GF Score™ is 73/100 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 FinecoBank SpA (FNBKY), the current Scaled Net Operating Assets is 0.03 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 FinecoBank SpA (FNBKY) Overvalued in 2026?

Based on GuruFocus' analysis, FinecoBank SpA stock appears to be overvalued. The current stock price of $50.99 is trading 26.3% above its estimated GF Value™ of $40.36. GuruFocus considers FinecoBank SpA to be Modestly Overvalued.

Key valuation signals for FNBKY:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: $40.36 vs. price of $50.99 (26.3% above fair value)
  • GF Score™: 73/100 with 5 warning signs

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

FinecoBank SpA Business Description

Address Piazza Durante, 11, Milan, ITA, 20131
FinecoBank SpA is a FinTech bank based in Italy, offering its services through a network of personal financial advisors and online and mobile channels that operate in an integrated manner. The Group's offerings are divided into three product areas: Banking, Brokerage, and Investing. Maximum revenue is generated from Banking activities, which include current account services, payment services, and the issuance of debit, credit, and prepaid cards, mortgages, overdrafts, and personal loans. The Brokerage category offers order execution services on behalf of the customer, and trading access to CFDs, futures, options, bonds, ETFs, and certificates; and Investing includes the asset management activities of the Group, its investment advisory services, and various investment products offerings.
73GF 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.

$50.99
Price
$40.36
GF Value