Erbil Bank for Investment & Finance (IQS:BERI) Scaled Net Operating Assets: 0.46 (As of Dec. 2025)


IQS:BERI Erbil Bank for Investment & Finance IQS:BERI
99 GF Score
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What is Erbil Bank for Investment & Finance Scaled Net Operating Assets?

Erbil Bank for Investment & Finance IQS:BERI 99 Scaled Net Operating Assets is 0.46 as of Dec. 2025. GuruFocus rates IQS:BERI with a GF Score™ of 99/100. 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.

Erbil Bank for Investment & Finance's operating assets for the quarter that ended in Dec. 2025 was ع.د271,221 Mil. Erbil Bank for Investment & Finance's operating liabilities for the quarter that ended in Dec. 2025 was ع.د104,248 Mil. Erbil Bank for Investment & Finance's Total Assets for the quarter that ended in Sep. 2025 was ع.د363,301 Mil. Therefore, Erbil Bank for Investment & Finance's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.46.

IQS:BERI
99GF Score
Erbil Bank for Investment & Finance IQS:BERI
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Erbil Bank for Investment & Finance 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.

Erbil Bank for Investment & Finance'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 )
=(271221.125-104248.127)/361344.638
=0.46

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=356674.588 - 85453.463
=271221.125

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=110286.893 - 6038.766 - 0
=104248.127

Erbil Bank for Investment & Finance'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: Sep. 2025 )
=(271221.125-104248.127)/363300.897
=0.46

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=356674.588 - 85453.463
=271221.125

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=110286.893 - 6038.766 - 0
=104248.127

* 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 0.46 mean?
Erbil Bank for Investment & Finance (IQS:BERI) has a Scaled Net Operating Assets of 0.46 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 Erbil Bank for Investment & Finance and its competitors.
Is Erbil Bank for Investment & Finance's Scaled Net Operating Assets too high?
Erbil Bank for Investment & Finance's current Scaled Net Operating Assets is 0.46. Overall, Erbil Bank for Investment & Finance has a GF Score™ of 99/100, reflecting its overall financial health beyond just this single metric.
How does Erbil Bank for Investment & Finance's Scaled Net Operating Assets compare to PNC and USB?
Erbil Bank for Investment & Finance's Scaled Net Operating Assets of 0.46 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 Erbil Bank for Investment & Finance and its competitors. Erbil Bank for Investment & Finance's current Scaled Net Operating Assets is 0.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erbil Bank for Investment & Finance stock overvalued right now?
Erbil Bank for Investment & Finance (IQS:BERI) has a current Scaled Net Operating Assets of 0.46. The current Scaled Net Operating Assets is 0.46. Erbil Bank for Investment & Finance's overall GF Score™ is 99/100 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 Erbil Bank for Investment & Finance (IQS:BERI), the current Scaled Net Operating Assets is 0.46 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.

Erbil Bank for Investment & Finance Business Description

Address Khanqa Street, opposite the Ministry of Municipalities, P.O. Box 20/384, Erbil, IRQ
Erbil Bank for Investment & Finance is a financial services organization that provides its presence in the banking sector through services offered to customers. The company offers products such as Banking accounts, Erbil bank cards, Internal and foreign remittances, Mobile banking, and credit services.
99GF 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.

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