BNP Paribas Bank Polska (FRA:82MA) Scaled Net Operating Assets: 0.09 (As of Mar. 2026)


FRA:82MA BNP Paribas Bank Polska SA FRA:82MA
77 GF Score
Price €33.60
GF Value €22.27
Valuation Significantly Overvalued
! 3 Warning Signs
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What is BNP Paribas Bank Polska Scaled Net Operating Assets?

BNP Paribas Bank Polska FRA:82MA -0.59% 77 Scaled Net Operating Assets is 0.09 as of Mar. 2026. GuruFocus rates FRA:82MA with a GF Score™ of 77/100 and a GF Value™ of €22.27 (Significantly Overvalued). The stock has 3 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.

BNP Paribas Bank Polska's operating assets for the quarter that ended in Mar. 2026 was €36,855 Mil. BNP Paribas Bank Polska's operating liabilities for the quarter that ended in Mar. 2026 was €33,221 Mil. BNP Paribas Bank Polska's Total Assets for the quarter that ended in Dec. 2025 was €41,020 Mil. Therefore, BNP Paribas Bank Polska's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.09.

FRA:82MA
77GF Score
BNP Paribas Bank Polska SA FRA:82MA
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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BNP Paribas Bank Polska 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.

BNP Paribas Bank Polska'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 )
=(36175.79-33960.051)/38027.202
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=41020.013 - 4844.223
=36175.79

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=37025.647 - 3065.596 - 0
=33960.051

BNP Paribas Bank Polska'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 )
=(36854.556-33221.346)/41020.013
=0.09

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=40252.773 - 3398.217
=36854.556

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=36195.643 - 2974.297 - 0
=33221.346

* 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 0.09 mean?
BNP Paribas Bank Polska (FRA:82MA) has a Scaled Net Operating Assets of 0.09 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 BNP Paribas Bank Polska and its competitors.
Is BNP Paribas Bank Polska's Scaled Net Operating Assets too high?
BNP Paribas Bank Polska's current Scaled Net Operating Assets is 0.09. Overall, BNP Paribas Bank Polska has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BNP Paribas Bank Polska's Scaled Net Operating Assets compare to PNC and USB?
BNP Paribas Bank Polska's Scaled Net Operating Assets of 0.09 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 BNP Paribas Bank Polska and its competitors. BNP Paribas Bank Polska's current Scaled Net Operating Assets is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNP Paribas Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, BNP Paribas Bank Polska (FRA:82MA) is currently considered Significantly Overvalued. The stock's GF Value™ is €22.27, compared to a current price of €33.60 — trading 50.9% above its estimated fair value. The current Scaled Net Operating Assets is 0.09. BNP Paribas Bank Polska's overall GF Score™ is 77/100 with 3 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 BNP Paribas Bank Polska (FRA:82MA), the current Scaled Net Operating Assets is 0.09 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 BNP Paribas Bank Polska (FRA:82MA) Overvalued in 2026?

Based on GuruFocus' analysis, BNP Paribas Bank Polska stock appears to be overvalued. The current stock price of €33.60 is trading 50.9% above its estimated GF Value™ of €22.27. GuruFocus considers BNP Paribas Bank Polska to be Significantly Overvalued.

Key valuation signals for FRA:82MA:

  • Scaled Net Operating Assets: 0.09
  • GF Value™: €22.27 vs. price of €33.60 (50.9% above fair value)
  • GF Score™: 77/100 with 3 warning signs

No single metric tells the full story. See the FRA:82MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

BNP Paribas Bank Polska Business Description

Other Exchanges BNP:Poland
Address Kasprzaka 2, Warsaw, POL, 01-211
BNP Paribas Bank Polska SA is a universal commercial bank offering a wide range of banking services provided to individual and institutional customers in accordance with the scope of services specified in the Bank's Articles of Association. The Bank operates both in Polish zlotys and foreign currencies and actively participates in trading on domestic and foreign financial markets. In addition, through its subsidiaries, the Group conducts brokerage and leasing activities and provides other financial services. Its reportable operating segments include Retail and Business Banking, Small and Medium-Sized Enterprises (SME), Corporate Banking, Corporate and Institutional Banking (CIB), and Other Operations, including ALM Treasury and the Corporate Centre.
77GF 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.

€33.60
Price
€22.27
GF Value