PT Bank Capital Indonesia Tbk (ISX:BACA) Scaled Net Operating Assets: 0.13 (As of Mar. 2026)


ISX:BACA PT Bank Capital Indonesia Tbk ISX:BACA
48 GF Score
Price Rp101.00
GF Value Rp193.89
Valuation Significantly Undervalued
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What is PT Bank Capital Indonesia Tbk Scaled Net Operating Assets?

PT Bank Capital Indonesia Tbk ISX:BACA 48 Scaled Net Operating Assets is 0.13 as of Mar. 2026. GuruFocus rates ISX:BACA with a GF Score™ of 48/100 and a GF Value™ of Rp193.89 (Significantly Undervalued).

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PT Bank Capital Indonesia Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp23,246,946 Mil. PT Bank Capital Indonesia Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp19,509,007 Mil. PT Bank Capital Indonesia Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp28,038,356 Mil. Therefore, PT Bank Capital Indonesia Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.13.

ISX:BACA
48GF Score
PT Bank Capital Indonesia Tbk ISX:BACA
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Capital 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 Capital 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 )
=(23261854-21239441)/22591205
=0.09

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=28038356 - 4776502
=23261854

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=21283492 - 44051 - 0
=21239441

PT Bank Capital 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 )
=(23246946-19509007)/28038356
=0.13

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=26321136 - 3074190
=23246946

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=19539032 - 30025 - 0
=19509007

* 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 0.13 mean?
PT Bank Capital Indonesia Tbk (ISX:BACA) has a Scaled Net Operating Assets of 0.13 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 Capital Indonesia Tbk and its competitors.
Is PT Bank Capital Indonesia Tbk's Scaled Net Operating Assets too high?
PT Bank Capital Indonesia Tbk's current Scaled Net Operating Assets is 0.13. Overall, PT Bank Capital Indonesia Tbk has a GF Score™ of 48/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Capital Indonesia Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Capital Indonesia Tbk's Scaled Net Operating Assets of 0.13 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 Capital Indonesia Tbk and its competitors. PT Bank Capital Indonesia Tbk's current Scaled Net Operating Assets is 0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Capital Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Capital Indonesia Tbk (ISX:BACA) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp193.89, compared to a current price of Rp101.00 — trading 47.9% below its estimated fair value. The current Scaled Net Operating Assets is 0.13. PT Bank Capital Indonesia Tbk's overall GF Score™ is 48/100. 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 Capital Indonesia Tbk (ISX:BACA), the current Scaled Net Operating Assets is 0.13 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 Capital Indonesia Tbk (ISX:BACA) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Capital Indonesia Tbk stock appears to be undervalued. The current stock price of Rp101.00 is trading 47.9% below its estimated GF Value™ of Rp193.89. GuruFocus considers PT Bank Capital Indonesia Tbk to be Significantly Undervalued.

Key valuation signals for ISX:BACA:

  • Scaled Net Operating Assets: 0.13
  • GF Value™: Rp193.89 vs. price of Rp101.00 (47.9% below fair value)
  • GF Score™: 48/100

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

PT Bank Capital Indonesia Tbk Business Description

Address Jl. Jend Gatot Subroto Kav. 38, Menara Jamsostek Tower 1st, 6th Floor, Jakarta, IDN, 12710
PT Bank Capital Indonesia Tbk is an Indonesia-based financial institution that provides commercial banking services. It provides services such as mortgage financing, car financing, multi-purpose financing, overdraft facility, demand Loan, money market line, term loans, and bank guarantees. It also provides services like safe deposit boxes, online transfers, clearing, foreign exchange services, export, import, remittance, payroll services, a facility, a security agency, pick-up service, and credit card payment. Geographically, the group operates in Indonesia within the segments of Jakarta, Solo, Bandung, Surabaya, Kupang, Semarang, and Medan.
48GF Score

Get the complete analysis for ISX:BACA

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

Rp101.00
Price
Rp193.89
GF Value