Agesa Hayat Ve Emeklilik AS (IST:AGESA) Scaled Net Operating Assets: -0.02 (As of Mar. 2026)


IST:AGESA Agesa Hayat Ve Emeklilik AS IST:AGESA
57 GF Score
Price ₺250.25
GF Value ₺317.63
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Agesa Hayat Ve Emeklilik AS Scaled Net Operating Assets?

Agesa Hayat Ve Emeklilik AS IST:AGESA -1.09% 57 Scaled Net Operating Assets is -0.02 as of Mar. 2026. GuruFocus rates IST:AGESA with a GF Score™ of 57/100 and a GF Value™ of ₺317.63 (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.

Agesa Hayat Ve Emeklilik AS's operating assets for the quarter that ended in Mar. 2026 was ₺491,307 Mil. Agesa Hayat Ve Emeklilik AS's operating liabilities for the quarter that ended in Mar. 2026 was ₺502,008 Mil. Agesa Hayat Ve Emeklilik AS's Total Assets for the quarter that ended in Dec. 2025 was ₺466,853 Mil. Therefore, Agesa Hayat Ve Emeklilik AS's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.02.

IST:AGESA
57GF Score
Agesa Hayat Ve Emeklilik AS IST:AGESA
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Agesa Hayat Ve Emeklilik AS 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.

Agesa Hayat Ve Emeklilik AS'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 )
=(457634.818-456438.726)/268785.844
=0.00

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=466853.141 - 9218.323
=457634.818

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=456762.691 - 207.136 - 116.829
=456438.726

Agesa Hayat Ve Emeklilik AS'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 )
=(491307.115-502007.934)/466853.141
=-0.02

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=512714.291 - 21407.176
=491307.115

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=502350.88 - 229.405 - 113.541
=502007.934

* 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?
Agesa Hayat Ve Emeklilik AS (IST:AGESA) 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 Agesa Hayat Ve Emeklilik AS and its competitors.
Is Agesa Hayat Ve Emeklilik AS's Scaled Net Operating Assets too high?
Agesa Hayat Ve Emeklilik AS's current Scaled Net Operating Assets is -0.02. Overall, Agesa Hayat Ve Emeklilik AS has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agesa Hayat Ve Emeklilik AS's Scaled Net Operating Assets compare to BRK.A and AIG?
Agesa Hayat Ve Emeklilik AS's Scaled Net Operating Assets of -0.02 can be compared against companies in the Insurance 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 an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance 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 Agesa Hayat Ve Emeklilik AS and its competitors. Agesa Hayat Ve Emeklilik AS'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 Agesa Hayat Ve Emeklilik AS stock overvalued right now?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS (IST:AGESA) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺317.63, compared to a current price of ₺250.25 — trading 21.2% below its estimated fair value. The current Scaled Net Operating Assets is -0.02. Agesa Hayat Ve Emeklilik AS's overall GF Score™ is 57/100 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA), 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?

Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued. The current stock price of ₺250.25 is trading 21.2% below its estimated GF Value™ of ₺317.63. GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Modestly Undervalued.

Key valuation signals for IST:AGESA:

  • Scaled Net Operating Assets: -0.02
  • GF Value™: ₺317.63 vs. price of ₺250.25 (21.2% below fair value)
  • GF Score™: 57/100 with 2 warning signs

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

Agesa Hayat Ve Emeklilik AS Business Description

Address icerenkoy Mah. Umut Street, Quick Tower Site, N 10-12/9, Atasehir, Istanbul, TUR, 34768
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
57GF Score

Get the complete analysis for IST:AGESA

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

₺250.25
Price
₺317.63
GF Value