Bank of Zhengzhou Co (FRA:3BZ) Scaled Net Operating Assets: 0.15 (As of Dec. 2025)


FRA:3BZ Bank of Zhengzhou Co Ltd FRA:3BZ
34 GF Score
Price €0.09
GF Value €0.07
! 6 Warning Signs
View Full Analysis

What is Bank of Zhengzhou Co Scaled Net Operating Assets?

Bank of Zhengzhou Co FRA:3BZ 34 Scaled Net Operating Assets is 0.15 as of Dec. 2025. GuruFocus rates FRA:3BZ with a GF Score™ of 34/100 and a GF Value™ of €0.07. 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.

Bank of Zhengzhou Co's operating assets for the quarter that ended in Dec. 2025 was €83,236.3 Mil. Bank of Zhengzhou Co's operating liabilities for the quarter that ended in Dec. 2025 was €69,874.8 Mil. Bank of Zhengzhou Co's Total Assets for the quarter that ended in Sep. 2025 was €88,931.9 Mil. Therefore, Bank of Zhengzhou Co's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.15.

FRA:3BZ
34GF Score
Bank of Zhengzhou Co Ltd FRA:3BZ
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank of Zhengzhou Co 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.

Bank of Zhengzhou Co'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 )
=(83236.33-69874.792)/88717.954
=0.15

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=90171.776 - 6935.446
=83236.33

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=83278.426 - 13403.634 - 0
=69874.792

Bank of Zhengzhou Co'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 )
=(83236.33-69874.792)/88931.92
=0.15

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=90171.776 - 6935.446
=83236.33

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=83278.426 - 13403.634 - 0
=69874.792

* 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?
Bank of Zhengzhou Co (FRA:3BZ) has a Scaled Net Operating Assets of 0.15 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 Bank of Zhengzhou Co and its competitors.
Is Bank of Zhengzhou Co's Scaled Net Operating Assets too high?
Bank of Zhengzhou Co's current Scaled Net Operating Assets is 0.15. Overall, Bank of Zhengzhou Co has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Bank of Zhengzhou Co's Scaled Net Operating Assets compare to competitors?
Bank of Zhengzhou Co'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 Bank of Zhengzhou Co and its competitors. Bank of Zhengzhou Co'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 Bank of Zhengzhou Co stock overvalued right now?
Bank of Zhengzhou Co (FRA:3BZ) has a current Scaled Net Operating Assets of 0.15. The stock's GF Value™ is €0.07, compared to a current price of €0.09 — trading 28.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.15. Bank of Zhengzhou Co's overall GF Score™ is 34/100 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 Bank of Zhengzhou Co (FRA:3BZ), the current Scaled Net Operating Assets is 0.15 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 Bank of Zhengzhou Co (FRA:3BZ) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Zhengzhou Co stock appears to be overvalued. The current stock price of €0.09 is trading 28.6% above its estimated GF Value™ of €0.07.

Key valuation signals for FRA:3BZ:

  • Scaled Net Operating Assets: 0.15
  • GF Value™: €0.07 vs. price of €0.09 (28.6% above fair value)
  • GF Score™: 34/100 with 6 warning signs

No single metric tells the full story. See the FRA:3BZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank of Zhengzhou Co Business Description

Other Exchanges 06196:Hong Kong002936:China
Address 248 Queen\'s Road East, 40th Floor, Dah Sing Financial Centre, Wang Chai, Hong Kong, HKG
Bank of Zhengzhou Co Ltd lays emphasis on commercial banking operations in China. The bank functions through the corporate, retail and treasury banking divisions. The corporate banking segment is the majority revenue generating segment for the company with a range of financial products and services tailor-made for corporations, government agencies and financial institutions; The retail banking segment provides similar services to individual customers; The treasury operations comprise of including interbank money market transactions, repurchases transactions and investments and Others. The company derives its revenue from the PRC.
34GF Score

Get the complete analysis for FRA:3BZ

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

€0.09
Price
€0.07
GF Value