Bank Of Ayudhya PCL (FRA:NVAU) Scaled Net Operating Assets: 0.24 (As of Mar. 2026)

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FRA:NVAU Bank Of Ayudhya PCL FRA:NVAU
58 GF Score
Price €1.06
GF Value €0.70
! 1 Warning Sign
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What is Bank Of Ayudhya PCL Scaled Net Operating Assets?

Bank Of Ayudhya PCL FRA:NVAU 58 Scaled Net Operating Assets is 0.24 as of Mar. 2026. GuruFocus rates FRA:NVAU with a GF Score™ of 58/100 and a GF Value™ of €0.70. The stock has 1 warning sign investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bank Of Ayudhya PCL's operating assets for the quarter that ended in Mar. 2026 was €65,823 Mil. Bank Of Ayudhya PCL's operating liabilities for the quarter that ended in Mar. 2026 was €48,838 Mil. Bank Of Ayudhya PCL's Total Assets for the quarter that ended in Dec. 2025 was €71,597 Mil. Therefore, Bank Of Ayudhya PCL's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.24.

FRA:NVAU
58GF Score
Bank Of Ayudhya PCL FRA:NVAU
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Of Ayudhya PCL 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.

Bank Of Ayudhya PCL'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 )
=(65164.507-50893.198)/73284.394
=0.19

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=71596.89 - 6432.383
=65164.507

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=59693.874 - 8800.676 - 0
=50893.198

Bank Of Ayudhya PCL'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 )
=(65822.623-48837.889)/71596.89
=0.24

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=69894.657 - 4072.034
=65822.623

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=57835.083 - 8997.194 - 0
=48837.889

* 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?
Bank Of Ayudhya PCL (FRA:NVAU) 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 Bank Of Ayudhya PCL and its competitors.
Is Bank Of Ayudhya PCL's Scaled Net Operating Assets too high?
Bank Of Ayudhya PCL's current Scaled Net Operating Assets is 0.24. Overall, Bank Of Ayudhya PCL has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Bank Of Ayudhya PCL's Scaled Net Operating Assets compare to competitors?
Bank Of Ayudhya PCL'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 Bank Of Ayudhya PCL and its competitors. Bank Of Ayudhya PCL'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 Bank Of Ayudhya PCL stock overvalued right now?
Bank Of Ayudhya PCL (FRA:NVAU) has a current Scaled Net Operating Assets of 0.24. The stock's GF Value™ is €0.70, compared to a current price of €1.06 — trading 51.4% above its estimated fair value. The current Scaled Net Operating Assets is 0.24. Bank Of Ayudhya PCL's overall GF Score™ is 58/100 with 1 warning sign 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 Bank Of Ayudhya PCL (FRA:NVAU), 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 Bank Of Ayudhya PCL (FRA:NVAU) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Of Ayudhya PCL stock appears to be overvalued. The current stock price of €1.06 is trading 51.4% above its estimated GF Value™ of €0.70.

Key valuation signals for FRA:NVAU:

  • Scaled Net Operating Assets: 0.24
  • GF Value™: €0.70 vs. price of €1.06 (51.4% above fair value)
  • GF Score™: 58/100 with 1 warning sign

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

Bank Of Ayudhya PCL Business Description

Other Exchanges BAY:Thailand
Address 1222 Rama III Road, Bang Phongphang Subdistrict, Yannawa District, Bangkok, THA, 10120
Bank Of Ayudhya PCL is a full-service universal bank commonly referred to as Krunsgri, operating mostly in Thailand, and with some exposure to other Asian countries. The bank's operations include commercial banking, retail banking, and other financial services, such as wealth management, credit cards, insurance, asset management, securities trading, auto hire purchase, equipment leasing, factoring, microfinance, and installment loans. Its segments include Retail, Commercial, and Others. The majority of revenue is derived from the Retail segment.
58GF 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.

€1.06
Price
€0.70
GF Value