Credito Emiliano (FRA:EAO) Scaled Net Operating Assets: 0.11 (As of Mar. 2026)


FRA:EAO Credito Emiliano FRA:EAO
53 GF Score
Price €18.54
GF Value €9.81
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Credito Emiliano Scaled Net Operating Assets?

Credito Emiliano FRA:EAO +3.52% 53 Scaled Net Operating Assets is 0.11 as of Mar. 2026. GuruFocus rates FRA:EAO with a GF Score™ of 53/100 and a GF Value™ of €9.81 (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.

Credito Emiliano's operating assets for the quarter that ended in Mar. 2026 was €65,741 Mil. Credito Emiliano's operating liabilities for the quarter that ended in Mar. 2026 was €58,199 Mil. Credito Emiliano's Total Assets for the quarter that ended in Dec. 2025 was €68,126 Mil. Therefore, Credito Emiliano's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.11.

FRA:EAO
53GF Score
Credito Emiliano FRA:EAO
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Credito Emiliano 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.

Credito Emiliano'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 )
=(66255.81-58276.372)/67968.525
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=68125.998 - 1870.188
=66255.81

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=63463.169 - 5186.797 - 0
=58276.372

Credito Emiliano'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 )
=(65741.41-58199.324)/68125.998
=0.11

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=67060.826 - 1319.416
=65741.41

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=62532.428 - 4333.104 - 0
=58199.324

* 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 0.11 mean?
Credito Emiliano (FRA:EAO) has a Scaled Net Operating Assets of 0.11 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 Credito Emiliano and its competitors.
Is Credito Emiliano's Scaled Net Operating Assets too high?
Credito Emiliano's current Scaled Net Operating Assets is 0.11. Overall, Credito Emiliano has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Credito Emiliano's Scaled Net Operating Assets compare to competitors?
Credito Emiliano's Scaled Net Operating Assets of 0.11 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 Credito Emiliano and its competitors. Credito Emiliano's current Scaled Net Operating Assets is 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credito Emiliano stock overvalued right now?
Based on GuruFocus' analysis, Credito Emiliano (FRA:EAO) is currently considered Significantly Overvalued. The stock's GF Value™ is €9.81, compared to a current price of €18.54 — trading 89% above its estimated fair value. The current Scaled Net Operating Assets is 0.11. Credito Emiliano's overall GF Score™ is 53/100 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 Credito Emiliano (FRA:EAO), the current Scaled Net Operating Assets is 0.11 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 Credito Emiliano (FRA:EAO) Overvalued in 2026?

Based on GuruFocus' analysis, Credito Emiliano stock appears to be overvalued. The current stock price of €18.54 is trading 89% above its estimated GF Value™ of €9.81. GuruFocus considers Credito Emiliano to be Significantly Overvalued.

Key valuation signals for FRA:EAO:

  • Scaled Net Operating Assets: 0.11
  • GF Value™: €9.81 vs. price of €18.54 (89% above fair value)
  • GF Score™: 53/100 with 7 warning signs

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

Credito Emiliano Business Description

Other Exchanges CE:Italy0K93:UK
Address Via Emilia San Pietro No. 4, Reggio Emilia, ITA, 42100
Credito Emiliano is a banking group that consists of several financial services companies. The group operates in multiple regions throughout Italy, particularly in the north and central portions of the country. Its activities principally include commercial banking, including retail services and small and medium enterprise banking, asset management, bancassurance as well as Trading services, and treasury. The group's distribution network targeting retail and corporate banking customers includes branches, business centers, and financial outlets. It has two operating segments, Banking and Wealth Management. Banking segment involves Commercial Banking, Private Banking, Non-banking, Consumer Credit and Other/Technology. Wealth Management segment involves Asset Management and Insurance.
53GF 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.

€18.54
Price
€9.81
GF Value