PT Bank Raya Indonesia Tbk (ISX:AGRO) Scaled Net Operating Assets: 0.16 (As of Mar. 2026)


ISX:AGRO PT Bank Raya Indonesia Tbk ISX:AGRO
56 GF Score
Price Rp134.00
GF Value Rp210.11
Valuation Significantly Undervalued
! 1 Warning Sign
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What is PT Bank Raya Indonesia Tbk Scaled Net Operating Assets?

PT Bank Raya Indonesia Tbk ISX:AGRO +0.75% 56 Scaled Net Operating Assets is 0.16 as of Mar. 2026. GuruFocus rates ISX:AGRO with a GF Score™ of 56/100 and a GF Value™ of Rp210.11 (Significantly Undervalued). 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.

PT Bank Raya Indonesia Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp11,957,916 Mil. PT Bank Raya Indonesia Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp9,830,712 Mil. PT Bank Raya Indonesia Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp13,087,108 Mil. Therefore, PT Bank Raya Indonesia Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.16.

ISX:AGRO
56GF Score
PT Bank Raya Indonesia Tbk ISX:AGRO
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Raya Indonesia Tbk 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.

PT Bank Raya Indonesia Tbk'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 )
=(11890660.078-10035823.086)/13128920.167
=0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=13087107.913 - 1196447.835
=11890660.078

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=10075771.939 - 39948.853 - 0
=10035823.086

PT Bank Raya Indonesia Tbk'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 )
=(11957916.121-9830712.349)/13087107.913
=0.16

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=12815547.66 - 857631.539
=11957916.121

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=9867119.274 - 36406.925 - 0
=9830712.349

* 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 0.16 mean?
PT Bank Raya Indonesia Tbk (ISX:AGRO) has a Scaled Net Operating Assets of 0.16 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 PT Bank Raya Indonesia Tbk and its competitors.
Is PT Bank Raya Indonesia Tbk's Scaled Net Operating Assets too high?
PT Bank Raya Indonesia Tbk's current Scaled Net Operating Assets is 0.16. Overall, PT Bank Raya Indonesia Tbk has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Raya Indonesia Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Raya Indonesia Tbk's Scaled Net Operating Assets of 0.16 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 PT Bank Raya Indonesia Tbk and its competitors. PT Bank Raya Indonesia Tbk's current Scaled Net Operating Assets is 0.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Raya Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk (ISX:AGRO) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp210.11, compared to a current price of Rp134.00 — trading 36.2% below its estimated fair value. The current Scaled Net Operating Assets is 0.16. PT Bank Raya Indonesia Tbk's overall GF Score™ is 56/100 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 PT Bank Raya Indonesia Tbk (ISX:AGRO), the current Scaled Net Operating Assets is 0.16 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 PT Bank Raya Indonesia Tbk (ISX:AGRO) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk stock appears to be undervalued. The current stock price of Rp134.00 is trading 36.2% below its estimated GF Value™ of Rp210.11. GuruFocus considers PT Bank Raya Indonesia Tbk to be Significantly Undervalued.

Key valuation signals for ISX:AGRO:

  • Scaled Net Operating Assets: 0.16
  • GF Value™: Rp210.11 vs. price of Rp134.00 (36.2% below fair value)
  • GF Score™: 56/100 with 1 warning sign

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

PT Bank Raya Indonesia Tbk Business Description

Address Jalan Gatot Subroto No. 177A, Kel No. RT 009/01, Menteng Dalam, Tebet, Jakarta, IDN, 12870
PT Bank Raya Indonesia Tbk is an Indonesian banking corporation. The company provides services of savings deposits, demand deposits, time deposits, cash management, lending services, and other credit facilities. Its operating segments are Consumer, Retail, Middle, and Others. The bank generates its revenues in the form of interest income.
56GF 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.

Rp134.00
Price
Rp210.11
GF Value