Standard Bank Group (FRA:SKCS) Scaled Net Operating Assets: 0.09 (As of Dec. 2025)


FRA:SKCS Standard Bank Group Ltd FRA:SKCS
79 GF Score
Price €17.20
GF Value €12.75
! 6 Warning Signs
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What is Standard Bank Group Scaled Net Operating Assets?

Standard Bank Group FRA:SKCS +1.18% 79 Scaled Net Operating Assets is 0.09 as of Dec. 2025. GuruFocus rates FRA:SKCS with a GF Score™ of 79/100 and a GF Value™ of €12.75. The stock has 6 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.

Standard Bank Group's operating assets for the quarter that ended in Dec. 2025 was €175,924 Mil. Standard Bank Group's operating liabilities for the quarter that ended in Dec. 2025 was €160,542 Mil. Standard Bank Group's Total Assets for the quarter that ended in Jun. 2025 was €166,015 Mil. Therefore, Standard Bank Group's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.09.

FRA:SKCS
79GF Score
Standard Bank Group Ltd FRA:SKCS
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Standard Bank Group 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.

Standard Bank Group'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 )
=(175923.686-160542.33)/171374.436
=0.09

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=183702.515 - 7778.829
=175923.686

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=167852.219 - 7309.889 - 0
=160542.33

Standard Bank Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(175923.686-160542.33)/166015.383
=0.09

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=183702.515 - 7778.829
=175923.686

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=167852.219 - 7309.889 - 0
=160542.33

* 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 0.09 mean?
Standard Bank Group (FRA:SKCS) has a Scaled Net Operating Assets of 0.09 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Standard Bank Group and its competitors.
Is Standard Bank Group's Scaled Net Operating Assets too high?
Standard Bank Group's current Scaled Net Operating Assets is 0.09. Overall, Standard Bank Group has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Group's Scaled Net Operating Assets compare to PNC and USB?
Standard Bank Group's Scaled Net Operating Assets of 0.09 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 Standard Bank Group and its competitors. Standard Bank Group's current Scaled Net Operating Assets is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Bank Group stock overvalued right now?
Standard Bank Group (FRA:SKCS) has a current Scaled Net Operating Assets of 0.09. The stock's GF Value™ is €12.75, compared to a current price of €17.20 — trading 34.9% above its estimated fair value. The current Scaled Net Operating Assets is 0.09. Standard Bank Group's overall GF Score™ is 79/100 with 6 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 Standard Bank Group (FRA:SKCS), the current Scaled Net Operating Assets is 0.09 as of Dec. 2025. 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 Standard Bank Group (FRA:SKCS) Overvalued in 2026?

Based on GuruFocus' analysis, Standard Bank Group stock appears to be overvalued. The current stock price of €17.20 is trading 34.9% above its estimated GF Value™ of €12.75.

Key valuation signals for FRA:SKCS:

  • Scaled Net Operating Assets: 0.09
  • GF Value™: €12.75 vs. price of €17.20 (34.9% above fair value)
  • GF Score™: 79/100 with 6 warning signs

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

Standard Bank Group Business Description

Address 5 Simmonds Street, 9th Floor, Standard Bank Centre, Johannesburg, GT, ZAF, 2001
Standard Bank Group Ltd provides banking and other financial services. Its operating model is client-led and structured around its business units, which are Personal & Private Banking (PPB), Business and Commercial Banking (BCB), Corporate and Investment Banking (CIB), and Insurance & Asset Management (IAM). It offers credit cards, mortgages, vehicle loans, insurance, and other lending and transactional products. Geographically, the company derives its maximum revenue from South Africa, followed by other African and international regions.
79GF Score

Get the complete analysis for FRA:SKCS

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€17.20
Price
€12.75
GF Value