PT Bank CIMB Niaga Tbk (FRA:NKX) Scaled Net Operating Assets: 0.14 (As of Mar. 2026)


FRA:NKX PT Bank CIMB Niaga Tbk FRA:NKX
80 GF Score
Price €0.06
GF Value €0.05
Valuation Modestly Overvalued
! 3 Warning Signs
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What is PT Bank CIMB Niaga Tbk Scaled Net Operating Assets?

PT Bank CIMB Niaga Tbk FRA:NKX +1.82% 80 Scaled Net Operating Assets is 0.14 as of Mar. 2026. GuruFocus rates FRA:NKX with a GF Score™ of 80/100 and a GF Value™ of €0.05 (Modestly Overvalued). The stock has 3 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 CIMB Niaga Tbk's operating assets for the quarter that ended in Mar. 2026 was €17,909 Mil. PT Bank CIMB Niaga Tbk's operating liabilities for the quarter that ended in Mar. 2026 was €15,211 Mil. PT Bank CIMB Niaga Tbk's Total Assets for the quarter that ended in Dec. 2025 was €19,051 Mil. Therefore, PT Bank CIMB Niaga Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.14.

FRA:NKX
80GF Score
PT Bank CIMB Niaga Tbk FRA:NKX
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank CIMB Niaga 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 CIMB Niaga 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 )
=(17558.436-15443.385)/21452.637
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=19050.839 - 1492.403
=17558.436

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=16078.082 - 634.697 - 0
=15443.385

PT Bank CIMB Niaga 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 )
=(17908.662-15210.811)/19050.839
=0.14

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=18814.021 - 905.359
=17908.662

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=15796.065 - 585.254 - 0
=15210.811

* 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 0.14 mean?
PT Bank CIMB Niaga Tbk (FRA:NKX) has a Scaled Net Operating Assets of 0.14 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 CIMB Niaga Tbk and its competitors.
Is PT Bank CIMB Niaga Tbk's Scaled Net Operating Assets too high?
PT Bank CIMB Niaga Tbk's current Scaled Net Operating Assets is 0.14. Overall, PT Bank CIMB Niaga Tbk has a GF Score™ of 80/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank CIMB Niaga Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank CIMB Niaga Tbk's Scaled Net Operating Assets of 0.14 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 CIMB Niaga Tbk and its competitors. PT Bank CIMB Niaga Tbk's current Scaled Net Operating Assets is 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank CIMB Niaga Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank CIMB Niaga Tbk (FRA:NKX) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.05, compared to a current price of €0.06 — trading 12% above its estimated fair value. The current Scaled Net Operating Assets is 0.14. PT Bank CIMB Niaga Tbk's overall GF Score™ is 80/100 with 3 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 CIMB Niaga Tbk (FRA:NKX), the current Scaled Net Operating Assets is 0.14 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 CIMB Niaga Tbk (FRA:NKX) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank CIMB Niaga Tbk stock appears to be overvalued. The current stock price of €0.06 is trading 12% above its estimated GF Value™ of €0.05. GuruFocus considers PT Bank CIMB Niaga Tbk to be Modestly Overvalued.

Key valuation signals for FRA:NKX:

  • Scaled Net Operating Assets: 0.14
  • GF Value™: €0.05 vs. price of €0.06 (12% above fair value)
  • GF Score™: 80/100 with 3 warning signs

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

PT Bank CIMB Niaga Tbk Business Description

Other Exchanges BNGA:Indonesia
Address Jalan Jenderal Sudirman Kav. 58, Jakarta, IDN, 12190
PT Bank CIMB Niaga Tbk operates in the commercial banking sector. Its principal activities include accepting funds from the public in the form of deposits, namely current accounts, time deposits, certificates of deposits, and saving accounts; providing loans, safe deposit boxes, and online banking facilities; performing custodian and treasury activities; offering credit cards, factoring, and trust services; and others. The company's reportable segments are Corporate, Business, Retail, Treasury, Sharia, Others, and Subsidiaries. Key revenue is generated from its Retail segment, which focuses on providing products and services to individual customers. It includes products such as loans, deposits, and other transactions, and balances with retail customers.
80GF 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.

€0.06
Price
€0.05
GF Value