Howa Bank (FSE:8559) Scaled Net Operating Assets: -0.02 (As of Mar. 2026)


FSE:8559 Howa Bank Ltd FSE:8559
54 GF Score
Price 円470.00
GF Value 円530.36
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Howa Bank Scaled Net Operating Assets?

Howa Bank FSE:8559 54 Scaled Net Operating Assets is -0.02 as of Mar. 2026. GuruFocus rates FSE:8559 with a GF Score™ of 54/100 and a GF Value™ of 円530.36 (Modestly Undervalued). The stock has 2 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.

Howa Bank's operating assets for the quarter that ended in Mar. 2026 was 円556,002 Mil. Howa Bank's operating liabilities for the quarter that ended in Mar. 2026 was 円568,211 Mil. Howa Bank's Total Assets for the quarter that ended in Sep. 2025 was 円594,215 Mil. Therefore, Howa Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.02.

FSE:8559
54GF Score
Howa Bank Ltd FSE:8559
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Howa Bank 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.

Howa Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(556002-568211)/599499
=-0.02

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=596133 - 40131
=556002

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=568329 - 118 - 0
=568211

Howa Bank'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: Sep. 2025 )
=(556002-568211)/594215
=-0.02

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=596133 - 40131
=556002

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=568329 - 118 - 0
=568211

* 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 -0.02 mean?
Howa Bank (FSE:8559) has a Scaled Net Operating Assets of -0.02 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 Howa Bank and its competitors.
Is Howa Bank's Scaled Net Operating Assets too high?
Howa Bank's current Scaled Net Operating Assets is -0.02. Overall, Howa Bank has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's Scaled Net Operating Assets compare to competitors?
Howa Bank's Scaled Net Operating Assets of -0.02 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 Howa Bank and its competitors. Howa Bank's current Scaled Net Operating Assets is -0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Modestly Undervalued. The stock's GF Value™ is 円530.36, compared to a current price of 円470.00 — trading 11.4% below its estimated fair value. The current Scaled Net Operating Assets is -0.02. Howa Bank's overall GF Score™ is 54/100 with 2 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 Howa Bank (FSE:8559), the current Scaled Net Operating Assets is -0.02 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 Howa Bank (FSE:8559) Overvalued in 2026?

Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued. The current stock price of 円470.00 is trading 11.4% below its estimated GF Value™ of 円530.36. GuruFocus considers Howa Bank to be Modestly Undervalued.

Key valuation signals for FSE:8559:

  • Scaled Net Operating Assets: -0.02
  • GF Value™: 円530.36 vs. price of 円470.00 (11.4% below fair value)
  • GF Score™: 54/100 with 2 warning signs

No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Howa Bank Business Description

Address 4-10 Oji Nakamachi, Oita, JPN, 870-8686
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
54GF Score

Get the complete analysis for FSE:8559

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

円470.00
Price
円530.36
GF Value