PT Allo Bank Indonesia Tbk (ISX:BBHI) Scaled Net Operating Assets: 0.34 (As of Mar. 2026)

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ISX:BBHI PT Allo Bank Indonesia Tbk ISX:BBHI
58 GF Score
Price Rp945.00
GF Value Rp1,791.10
Valuation Possible Value Trap
! 2 Warning Signs
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What is PT Allo Bank Indonesia Tbk Scaled Net Operating Assets?

PT Allo Bank Indonesia Tbk ISX:BBHI +4.42% 58 Scaled Net Operating Assets is 0.34 as of Mar. 2026. GuruFocus rates ISX:BBHI with a GF Score™ of 58/100 and a GF Value™ of Rp1,791.10 (Possible Value Trap). 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.

PT Allo Bank Indonesia Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp13,468,116 Mil. PT Allo Bank Indonesia Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp7,246,337 Mil. PT Allo Bank Indonesia Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp18,470,073 Mil. Therefore, PT Allo Bank Indonesia Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.34.

ISX:BBHI
58GF Score
PT Allo Bank Indonesia Tbk ISX:BBHI
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Allo Bank 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 Allo Bank 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 )
=(17379843.577-10950172.132)/13984013.771
=0.46

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=18470073.478 - 1090229.901
=17379843.577

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=10964029.011 - 13856.879 - 0
=10950172.132

PT Allo Bank 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 )
=(13468115.583-7246337.245)/18470073.478
=0.34

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=14790527.489 - 1322411.906
=13468115.583

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7257988.253 - 11651.008 - 0
=7246337.245

* 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 0.34 mean?
PT Allo Bank Indonesia Tbk (ISX:BBHI) has a Scaled Net Operating Assets of 0.34 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 Allo Bank Indonesia Tbk and its competitors.
Is PT Allo Bank Indonesia Tbk's Scaled Net Operating Assets too high?
PT Allo Bank Indonesia Tbk's current Scaled Net Operating Assets is 0.34. Overall, PT Allo Bank Indonesia Tbk has a GF Score™ of 58/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT Allo Bank Indonesia Tbk's Scaled Net Operating Assets compare to competitors?
PT Allo Bank Indonesia Tbk's Scaled Net Operating Assets of 0.34 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 Allo Bank Indonesia Tbk and its competitors. PT Allo Bank Indonesia Tbk's current Scaled Net Operating Assets is 0.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Allo Bank Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Allo Bank Indonesia Tbk (ISX:BBHI) is currently considered Possible Value Trap. The stock's GF Value™ is Rp1,791.10, compared to a current price of Rp945.00 — trading 47.2% below its estimated fair value. The current Scaled Net Operating Assets is 0.34. PT Allo Bank Indonesia Tbk's overall GF Score™ is 58/100 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 PT Allo Bank Indonesia Tbk (ISX:BBHI), the current Scaled Net Operating Assets is 0.34 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 Allo Bank Indonesia Tbk (ISX:BBHI) Overvalued in 2026?

Based on GuruFocus' analysis, PT Allo Bank Indonesia Tbk stock appears to be undervalued. The current stock price of Rp945.00 is trading 47.2% below its estimated GF Value™ of Rp1,791.10. GuruFocus considers PT Allo Bank Indonesia Tbk to be Possible Value Trap.

Key valuation signals for ISX:BBHI:

  • Scaled Net Operating Assets: 0.34
  • GF Value™: Rp1,791.10 vs. price of Rp945.00 (47.2% below fair value)
  • GF Score™: 58/100 with 2 warning signs

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

PT Allo Bank Indonesia Tbk Business Description

Address Jalan Kapten P. Tendean No.12-14A, Menara Bank Mega, 5th-6th Floors, South Jakarta, Jakarta, IDN, 12790
PT Allo Bank Indonesia Tbk is engaged in providing banking products. Its products and services are Electronic money products with Allo Pay and Allo Pay+ branding, Savings products include Allo Prime and Allo Grow, Time Deposits, Digital credit with PayLater and Instant Cash branding, Fund Transfer Services, cardless cash withdrawals, electronic money top-ups, QRIS payments, biller payment services and loyalty programs in the form of Membership, Points, and Coupons (MPC). It operates through the Corporate segment, Retail segment, and Treasury segment. Its Corporate segment generates maximum revenue for the company.
58GF 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.

Rp945.00
Price
Rp1,791.10
GF Value