Banco Di Desio E Della Brianza SpA (FRA:BJ7) Scaled Net Operating Assets: 0.22 (As of Mar. 2026)


FRA:BJ7 Banco Di Desio E Della Brianza SpA FRA:BJ7
45 GF Score
Price €13.56
GF Value €6.26
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Banco Di Desio E Della Brianza SpA Scaled Net Operating Assets?

Banco Di Desio E Della Brianza SpA FRA:BJ7 +0.30% 45 Scaled Net Operating Assets is 0.22 as of Mar. 2026. GuruFocus rates FRA:BJ7 with a GF Score™ of 45/100 and a GF Value™ of €6.26 (Significantly Overvalued). The stock has 7 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 Di Desio E Della Brianza SpA's operating assets for the quarter that ended in Mar. 2026 was €18,727.2 Mil. Banco Di Desio E Della Brianza SpA's operating liabilities for the quarter that ended in Mar. 2026 was €14,480.9 Mil. Banco Di Desio E Della Brianza SpA's Total Assets for the quarter that ended in Dec. 2025 was €19,564.0 Mil. Therefore, Banco Di Desio E Della Brianza SpA's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.22.

FRA:BJ7
45GF Score
Banco Di Desio E Della Brianza SpA FRA:BJ7
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Di Desio E Della Brianza SpA 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 Di Desio E Della Brianza SpA'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 )
=(18722.577-13908.335)/18635.496
=0.26

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=19564.001 - 841.424
=18722.577

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=18073.481 - 4165.146 - 0
=13908.335

Banco Di Desio E Della Brianza SpA'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 )
=(18727.246-14480.894)/19564.001
=0.22

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=19306.625 - 579.379
=18727.246

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=17786.621 - 3305.727 - 0
=14480.894

* 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 0.22 mean?
Banco Di Desio E Della Brianza SpA (FRA:BJ7) has a Scaled Net Operating Assets of 0.22 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 Di Desio E Della Brianza SpA and its competitors.
Is Banco Di Desio E Della Brianza SpA's Scaled Net Operating Assets too high?
Banco Di Desio E Della Brianza SpA's current Scaled Net Operating Assets is 0.22. Overall, Banco Di Desio E Della Brianza SpA has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Di Desio E Della Brianza SpA's Scaled Net Operating Assets compare to PNC and USB?
Banco Di Desio E Della Brianza SpA's Scaled Net Operating Assets of 0.22 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 Di Desio E Della Brianza SpA and its competitors. Banco Di Desio E Della Brianza SpA's current Scaled Net Operating Assets is 0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Di Desio E Della Brianza SpA stock overvalued right now?
Based on GuruFocus' analysis, Banco Di Desio E Della Brianza SpA (FRA:BJ7) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.26, compared to a current price of €13.56 — trading 116.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.22. Banco Di Desio E Della Brianza SpA's overall GF Score™ is 45/100 with 7 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 Di Desio E Della Brianza SpA (FRA:BJ7), the current Scaled Net Operating Assets is 0.22 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 Di Desio E Della Brianza SpA (FRA:BJ7) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Di Desio E Della Brianza SpA stock appears to be overvalued. The current stock price of €13.56 is trading 116.6% above its estimated GF Value™ of €6.26. GuruFocus considers Banco Di Desio E Della Brianza SpA to be Significantly Overvalued.

Key valuation signals for FRA:BJ7:

  • Scaled Net Operating Assets: 0.22
  • GF Value™: €6.26 vs. price of €13.56 (116.6% above fair value)
  • GF Score™: 45/100 with 7 warning signs

No single metric tells the full story. See the FRA:BJ7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banco Di Desio E Della Brianza SpA Business Description

Other Exchanges BDB:Italy0O5V:UKBJ7:Germany
Address Via E. Rovagnati, 1, Desio, ITA, 20832
Banco Di Desio E Della Brianza SpA is an Italy based company engaged in providing financial services. The group operates by carrying out traditional banking activities, providing asset management services and selling life and non-life bancassurance products. It offers loans and deposits; financial, banking, and payment services; insurance products, asset management products; debit and credit cards. The bank serves individuals and small to midsized businesses by providing other services. The activities are carried out through Italy.
45GF 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.

€13.56
Price
€6.26
GF Value