Harbin Bank Co (FRA:5H6) Scaled Net Operating Assets: 0.03 (As of Dec. 2025)


FRA:5H6 Harbin Bank Co Ltd FRA:5H6
39 GF Score
Price €0.03
GF Value €0.03
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Harbin Bank Co Scaled Net Operating Assets?

Harbin Bank Co FRA:5H6 -3.03% 39 Scaled Net Operating Assets is 0.03 as of Dec. 2025. GuruFocus rates FRA:5H6 with a GF Score™ of 39/100 and a GF Value™ of €0.03 (Fairly Valued). 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.

Harbin Bank Co's operating assets for the quarter that ended in Dec. 2025 was €108,678 Mil. Harbin Bank Co's operating liabilities for the quarter that ended in Dec. 2025 was €105,386 Mil. Harbin Bank Co's Total Assets for the quarter that ended in Jun. 2025 was €111,995 Mil. Therefore, Harbin Bank Co's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.03.

FRA:5H6
39GF Score
Harbin Bank Co Ltd FRA:5H6
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Harbin Bank 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.

Harbin Bank 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 )
=(108678.491-105386.367)/120180.957
=0.03

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=123596.716 - 14918.225
=108678.491

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=115741.697 - 10355.33 - 0
=105386.367

Harbin Bank 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: Jun. 2025 )
=(108678.491-105386.367)/111994.643
=0.03

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=123596.716 - 14918.225
=108678.491

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=115741.697 - 10355.33 - 0
=105386.367

* 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?
Harbin Bank Co (FRA:5H6) 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 Harbin Bank Co and its competitors.
Is Harbin Bank Co's Scaled Net Operating Assets too high?
Harbin Bank Co's current Scaled Net Operating Assets is 0.03. Overall, Harbin Bank Co has a GF Score™ of 39/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Harbin Bank Co's Scaled Net Operating Assets compare to competitors?
Harbin Bank Co'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 Harbin Bank Co and its competitors. Harbin Bank Co'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 Harbin Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Harbin Bank Co (FRA:5H6) is currently considered Fairly Valued. The stock's GF Value™ is €0.03, compared to a current price of €0.03 — trading 6.7% above its estimated fair value. The current Scaled Net Operating Assets is 0.03. Harbin Bank Co's overall GF Score™ is 39/100 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 Harbin Bank Co (FRA:5H6), 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 Harbin Bank Co (FRA:5H6) Overvalued in 2026?

Based on GuruFocus' analysis, Harbin Bank Co stock appears to be overvalued. The current stock price of €0.03 is trading 6.7% above its estimated GF Value™ of €0.03. GuruFocus considers Harbin Bank Co to be Fairly Valued.

Key valuation signals for FRA:5H6:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: €0.03 vs. price of €0.03 (6.7% above fair value)
  • GF Score™: 39/100 with 5 warning signs

No single metric tells the full story. See the FRA:5H6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Harbin Bank Co Business Description

Other Exchanges 06138:Hong Kong
Address No. 888 Shangjiang Street, Daoli District, Heilongjiang Province, Harbin, CHN, 150010
Harbin Bank Co Ltd provides deposit services, loan services, payment and settlement services and financial leasing services, as well as other financial services approved by the NFRA. Its segments include Corporate financial business, Retail financial business, Interbank financial business, and Other business. The majority of the revenue is derived from Corporate financial business which provides financial products and services to corporate customers, including deposits, loans, settlement and clearing and other products and services relating to the trading business. Its geographical segments include Heilongjiang region, Other regions in Northeastern China, Southwestern China, and Other regions.
39GF Score

Get the complete analysis for FRA:5H6

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

€0.03
Price
€0.03
GF Value