PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) Scaled Net Operating Assets: 0.17 (As of Mar. 2026)


FRA:BYRA PT Bank Rakyat Indonesia (Persero) Tbk FRA:BYRA
69 GF Score
Price €0.13
GF Value €0.28
Valuation Significantly Undervalued
! 4 Warning Signs
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What is PT Bank Rakyat Indonesia (Persero) Tbk Scaled Net Operating Assets?

PT Bank Rakyat Indonesia (Persero) Tbk FRA:BYRA -13.91% 69 Scaled Net Operating Assets is 0.17 as of Mar. 2026. GuruFocus rates FRA:BYRA with a GF Score™ of 69/100 and a GF Value™ of €0.28 (Significantly Undervalued). The stock has 4 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 Rakyat Indonesia (Persero) Tbk's operating assets for the quarter that ended in Mar. 2026 was €105,702 Mil. PT Bank Rakyat Indonesia (Persero) Tbk's operating liabilities for the quarter that ended in Mar. 2026 was €86,754 Mil. PT Bank Rakyat Indonesia (Persero) Tbk's Total Assets for the quarter that ended in Dec. 2025 was €109,151 Mil. Therefore, PT Bank Rakyat Indonesia (Persero) Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.17.

FRA:BYRA
69GF Score
PT Bank Rakyat Indonesia (Persero) Tbk FRA:BYRA
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Rakyat Indonesia (Persero) 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 Rakyat Indonesia (Persero) 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 )
=(102690.766-83461.124)/118643.057
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=109151.415 - 6460.649
=102690.766

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=92235.046 - 8773.922 - 0
=83461.124

PT Bank Rakyat Indonesia (Persero) 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 )
=(105702.018-86753.714)/109151.415
=0.17

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=114954.474 - 9252.456
=105702.018

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=97323.647 - 10569.933 - 0
=86753.714

* 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 0.17 mean?
PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) has a Scaled Net Operating Assets of 0.17 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 Rakyat Indonesia (Persero) Tbk and its competitors.
Is PT Bank Rakyat Indonesia (Persero) Tbk's Scaled Net Operating Assets too high?
PT Bank Rakyat Indonesia (Persero) Tbk's current Scaled Net Operating Assets is 0.17. Overall, PT Bank Rakyat Indonesia (Persero) Tbk has a GF Score™ of 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Rakyat Indonesia (Persero) Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Rakyat Indonesia (Persero) Tbk's Scaled Net Operating Assets of 0.17 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 Rakyat Indonesia (Persero) Tbk and its competitors. PT Bank Rakyat Indonesia (Persero) Tbk's current Scaled Net Operating Assets is 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Rakyat Indonesia (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Rakyat Indonesia (Persero) Tbk (FRA:BYRA) is currently considered Significantly Undervalued. The stock's GF Value™ is €0.28, compared to a current price of €0.13 — trading 53.6% below its estimated fair value. The current Scaled Net Operating Assets is 0.17. PT Bank Rakyat Indonesia (Persero) Tbk's overall GF Score™ is 69/100 with 4 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 Rakyat Indonesia (Persero) Tbk (FRA:BYRA), the current Scaled Net Operating Assets is 0.17 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 Rakyat Indonesia (Persero) Tbk (FRA:BYRA) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Rakyat Indonesia (Persero) Tbk stock appears to be undervalued. The current stock price of €0.13 is trading 53.6% below its estimated GF Value™ of €0.28. GuruFocus considers PT Bank Rakyat Indonesia (Persero) Tbk to be Significantly Undervalued.

Key valuation signals for FRA:BYRA:

  • Scaled Net Operating Assets: 0.17
  • GF Value™: €0.28 vs. price of €0.13 (53.6% below fair value)
  • GF Score™: 69/100 with 4 warning signs

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

PT Bank Rakyat Indonesia (Persero) Tbk Business Description

Address Jalan Jenderal Sudirman No. 44 - 46, BRI II Building, 22nd Floor, Jakarta, IDN, 10210
PT Bank Rakyat Indonesia (Persero) Tbk operates in the banking sector. It provides and tailors banking services to micro, small, and medium enterprises. Its segments are Micro, Retail, Corporate, Others, and Subsidiaries. The majority of its revenue is generated from the Micro segment. The company emphasizes integrating financial technology across its platforms to improve access for its customer base. Its core business services include collecting customer deposits, loan disbursement, issuing promissory notes and loan agreements, and collateralizing assets. Its loan products include working capital loans for corporate and commercial customers, as well as mortgages for consumer customers.
69GF 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.

€0.13
Price
€0.28
GF Value