Banco De Chile (FRA:G4RA) Scaled Net Operating Assets: 0.24 (As of Mar. 2026)


FRA:G4RA Banco De Chile FRA:G4RA
67 GF Score
Price €34.60
GF Value €21.28
Valuation Significantly Overvalued
! 9 Warning Signs
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What is Banco De Chile Scaled Net Operating Assets?

Banco De Chile FRA:G4RA +1.17% 67 Scaled Net Operating Assets is 0.24 as of Mar. 2026. GuruFocus rates FRA:G4RA with a GF Score™ of 67/100 and a GF Value™ of €21.28 (Significantly Overvalued). The stock has 9 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 De Chile's operating assets for the quarter that ended in Mar. 2026 was €46,798 Mil. Banco De Chile's operating liabilities for the quarter that ended in Mar. 2026 was €34,614 Mil. Banco De Chile's Total Assets for the quarter that ended in Dec. 2025 was €50,556 Mil. Therefore, Banco De Chile's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.24.

FRA:G4RA
67GF Score
Banco De Chile FRA:G4RA
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco De Chile 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 De Chile'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 )
=(47747.643-31917.343)/50491.194
=0.31

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=50555.926 - 2808.283
=47747.643

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=44306.73 - 12367.364 - 22.023
=31917.343

Banco De Chile'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 )
=(46798.021-34614.275)/50555.926
=0.24

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=52496.286 - 5698.265
=46798.021

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=47319.238 - 12684.231 - 20.732
=34614.275

* 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 0.24 mean?
Banco De Chile (FRA:G4RA) has a Scaled Net Operating Assets of 0.24 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 De Chile and its competitors.
Is Banco De Chile's Scaled Net Operating Assets too high?
Banco De Chile's current Scaled Net Operating Assets is 0.24. Overall, Banco De Chile has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco De Chile's Scaled Net Operating Assets compare to PNC and USB?
Banco De Chile's Scaled Net Operating Assets of 0.24 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 De Chile and its competitors. Banco De Chile's current Scaled Net Operating Assets is 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco De Chile stock overvalued right now?
Based on GuruFocus' analysis, Banco De Chile (FRA:G4RA) is currently considered Significantly Overvalued. The stock's GF Value™ is €21.28, compared to a current price of €34.60 — trading 62.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.24. Banco De Chile's overall GF Score™ is 67/100 with 9 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 De Chile (FRA:G4RA), the current Scaled Net Operating Assets is 0.24 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 De Chile (FRA:G4RA) Overvalued in 2026?

Based on GuruFocus' analysis, Banco De Chile stock appears to be overvalued. The current stock price of €34.60 is trading 62.6% above its estimated GF Value™ of €21.28. GuruFocus considers Banco De Chile to be Significantly Overvalued.

Key valuation signals for FRA:G4RA:

  • Scaled Net Operating Assets: 0.24
  • GF Value™: €21.28 vs. price of €34.60 (62.6% above fair value)
  • GF Score™: 67/100 with 9 warning signs

No single metric tells the full story. See the FRA:G4RA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Banco De Chile Business Description

Address Paseo Ahumada 251, Santiago, CHL
Operating under three separate brand names (Banco de Chile, Banco Edwards-Citi, and Banco CrediChile), Banco de Chile is the second largest in the country by loans and third largest by deposits. Banco de Chile generates most of its net interest income (roughly 60% of total revenue) from its mortgage, unsecured consumer credit lines, and commercial loans, with 25% of its outstanding loans being made to firms with more than 10,000 million CLP in revenue. Outside of its banking business, Banco de Chile is the largest asset manager in the country and one of the largest security brokerages, supporting its substantial fee-based revenue.
67GF 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.

€34.60
Price
€21.28
GF Value