Banco del Bajio (FRA:5NT) Scaled Net Operating Assets: 0.19 (As of Mar. 2026)


FRA:5NT Banco del Bajio SA FRA:5NT
74 GF Score
Price €2.74
GF Value €2.67
! 8 Warning Signs
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What is Banco del Bajio Scaled Net Operating Assets?

Banco del Bajio FRA:5NT -0.72% 74 Scaled Net Operating Assets is 0.19 as of Mar. 2026. GuruFocus rates FRA:5NT with a GF Score™ of 74/100 and a GF Value™ of €2.67. The stock has 8 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.

Banco del Bajio's operating assets for the quarter that ended in Mar. 2026 was €18,051 Mil. Banco del Bajio's operating liabilities for the quarter that ended in Mar. 2026 was €14,427 Mil. Banco del Bajio's Total Assets for the quarter that ended in Dec. 2025 was €18,635 Mil. Therefore, Banco del Bajio's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.19.

FRA:5NT
74GF Score
Banco del Bajio SA FRA:5NT
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco del Bajio 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.

Banco del Bajio'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 )
=(17542.674-13725.791)/16643.459
=0.23

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=18634.974 - 1092.3
=17542.674

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=16365.997 - 2640.206 - 0
=13725.791

Banco del Bajio'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 )
=(18051.384-14427)/18634.974
=0.19

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=19441.401 - 1390.017
=18051.384

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=17050.632 - 2623.632 - 0
=14427

* 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 0.19 mean?
Banco del Bajio (FRA:5NT) has a Scaled Net Operating Assets of 0.19 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 Banco del Bajio and its competitors.
Is Banco del Bajio's Scaled Net Operating Assets too high?
Banco del Bajio's current Scaled Net Operating Assets is 0.19. Overall, Banco del Bajio has a GF Score™ of 74/100, reflecting its overall financial health beyond just this single metric.
How does Banco del Bajio's Scaled Net Operating Assets compare to PNC and USB?
Banco del Bajio's Scaled Net Operating Assets of 0.19 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 Banco del Bajio and its competitors. Banco del Bajio's current Scaled Net Operating Assets is 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco del Bajio stock overvalued right now?
Banco del Bajio (FRA:5NT) has a current Scaled Net Operating Assets of 0.19. The stock's GF Value™ is €2.67, compared to a current price of €2.74 — trading 2.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.19. Banco del Bajio's overall GF Score™ is 74/100 with 8 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 Banco del Bajio (FRA:5NT), the current Scaled Net Operating Assets is 0.19 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 Banco del Bajio (FRA:5NT) Overvalued in 2026?

Based on GuruFocus' analysis, Banco del Bajio stock appears to be overvalued. The current stock price of €2.74 is trading 2.6% above its estimated GF Value™ of €2.67.

Key valuation signals for FRA:5NT:

  • Scaled Net Operating Assets: 0.19
  • GF Value™: €2.67 vs. price of €2.74 (2.6% above fair value)
  • GF Score™: 74/100 with 8 warning signs

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

Banco del Bajio Business Description

Other Exchanges BBAJF:USABBAJIOO:Mexico
Address Avenida Manuel J. Clouthier No. 402, Col. Jardines del Campestre, Leon, GTO, MEX, 37128
Banco del Bajio SA is a Mexico based company engaged in the provision of full-banking services. Its activities include receiving deposits, accepting loans, granting loans, operations with securities, trust agreements, and financial factoring and leasing operations. The business segments of the company are Banking and credit transactions, Rediscounted transactions, Treasury transactions and other segments. It derives a majority of the revenue from the Banking and credit transactions activities segment. The bank operates majorly in Mexico.
74GF 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.

€2.74
Price
€2.67
GF Value