PT Bank Permata Tbk (FRA:85C) Scaled Net Operating Assets: 0.15 (As of Mar. 2026)


FRA:85C PT Bank Permata Tbk FRA:85C
49 GF Score
Price €0.11
GF Value €0.05
Valuation Significantly Overvalued
! 2 Warning Signs
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What is PT Bank Permata Tbk Scaled Net Operating Assets?

PT Bank Permata Tbk FRA:85C +2.86% 49 Scaled Net Operating Assets is 0.15 as of Mar. 2026. GuruFocus rates FRA:85C with a GF Score™ of 49/100 and a GF Value™ of €0.05 (Significantly Overvalued). The stock has 2 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.

PT Bank Permata Tbk's operating assets for the quarter that ended in Mar. 2026 was €12,464.8 Mil. PT Bank Permata Tbk's operating liabilities for the quarter that ended in Mar. 2026 was €10,457.8 Mil. PT Bank Permata Tbk's Total Assets for the quarter that ended in Dec. 2025 was €13,716.6 Mil. Therefore, PT Bank Permata Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.15.

FRA:85C
49GF Score
PT Bank Permata Tbk FRA:85C
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Permata Tbk 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.

PT Bank Permata Tbk'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 )
=(12613.052-10792.836)/15428.553
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=13716.559 - 1103.507
=12613.052

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=11372.997 - 580.161 - 0
=10792.836

PT Bank Permata Tbk'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 )
=(12464.809-10457.778)/13716.559
=0.15

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=13404.589 - 939.78
=12464.809

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=11050.138 - 592.36 - 0
=10457.778

* 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?
PT Bank Permata Tbk (FRA:85C) has a Scaled Net Operating Assets of 0.15 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 PT Bank Permata Tbk and its competitors.
Is PT Bank Permata Tbk's Scaled Net Operating Assets too high?
PT Bank Permata Tbk's current Scaled Net Operating Assets is 0.15. Overall, PT Bank Permata Tbk has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Permata Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Permata Tbk'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 PT Bank Permata Tbk and its competitors. PT Bank Permata Tbk'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 PT Bank Permata Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Permata Tbk (FRA:85C) is currently considered Significantly Overvalued. The stock's GF Value™ is €0.05, compared to a current price of €0.11 — trading 116% above its estimated fair value. The current Scaled Net Operating Assets is 0.15. PT Bank Permata Tbk's overall GF Score™ is 49/100 with 2 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 PT Bank Permata Tbk (FRA:85C), the current Scaled Net Operating Assets is 0.15 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 PT Bank Permata Tbk (FRA:85C) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Permata Tbk stock appears to be overvalued. The current stock price of €0.11 is trading 116% above its estimated GF Value™ of €0.05. GuruFocus considers PT Bank Permata Tbk to be Significantly Overvalued.

Key valuation signals for FRA:85C:

  • Scaled Net Operating Assets: 0.15
  • GF Value™: €0.05 vs. price of €0.11 (116% above fair value)
  • GF Score™: 49/100 with 2 warning signs

No single metric tells the full story. See the FRA:85C stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT Bank Permata Tbk Business Description

Other Exchanges BNLI:Indonesia85C:Germany
Address Jalan Jenderal Sudirman Kavling 29-31, World Trade Center II, Building WTC II, Jakarta, IDN, 12920
PT Bank Permata Tbk is a private bank engaged in offering financial products and services especially in the hand-delivery channel including Internet Banking and Mobile Banking. The bank focuses on Consumer banking, Corporate banking, Commercial banking and Others segments.
49GF 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.

€0.11
Price
€0.05
GF Value