PT Bank Mestika Dharma Tbk (ISX:BBMD) Scaled Net Operating Assets: 0.28 (As of Mar. 2026)

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ISX:BBMD PT Bank Mestika Dharma Tbk ISX:BBMD
48 GF Score
Price Rp1,920.00
GF Value Rp1,885.81
Valuation Fairly Valued
! 3 Warning Signs
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What is PT Bank Mestika Dharma Tbk Scaled Net Operating Assets?

PT Bank Mestika Dharma Tbk ISX:BBMD 48 Scaled Net Operating Assets is 0.28 as of Mar. 2026. GuruFocus rates ISX:BBMD with a GF Score™ of 48/100 and a GF Value™ of Rp1,885.81 (Fairly Valued). The stock has 3 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 Bank Mestika Dharma Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp15,636,859 Mil. PT Bank Mestika Dharma Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp11,046,463 Mil. PT Bank Mestika Dharma Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp16,665,331 Mil. Therefore, PT Bank Mestika Dharma Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.28.

ISX:BBMD
48GF Score
PT Bank Mestika Dharma Tbk ISX:BBMD
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Mestika Dharma 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 Mestika Dharma 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 )
=(15768360.895-11214552.295)/16577960.83
=0.27

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=16665330.709 - 896969.814
=15768360.895

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=11214552.295 - 0 - 0
=11214552.295

PT Bank Mestika Dharma 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 )
=(15636859.015-11046462.71)/16665330.709
=0.28

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=16411095.196 - 774236.181
=15636859.015

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=11046462.71 - 0 - 0
=11046462.71

* 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 0.28 mean?
PT Bank Mestika Dharma Tbk (ISX:BBMD) has a Scaled Net Operating Assets of 0.28 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 Mestika Dharma Tbk and its competitors.
Is PT Bank Mestika Dharma Tbk's Scaled Net Operating Assets too high?
PT Bank Mestika Dharma Tbk's current Scaled Net Operating Assets is 0.28. Overall, PT Bank Mestika Dharma Tbk has a GF Score™ of 48/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Mestika Dharma Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Mestika Dharma Tbk's Scaled Net Operating Assets of 0.28 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 Mestika Dharma Tbk and its competitors. PT Bank Mestika Dharma Tbk's current Scaled Net Operating Assets is 0.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Mestika Dharma Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Mestika Dharma Tbk (ISX:BBMD) is currently considered Fairly Valued. The stock's GF Value™ is Rp1,885.81, compared to a current price of Rp1,920.00 — trading 1.8% above its estimated fair value. The current Scaled Net Operating Assets is 0.28. PT Bank Mestika Dharma Tbk's overall GF Score™ is 48/100 with 3 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 Bank Mestika Dharma Tbk (ISX:BBMD), the current Scaled Net Operating Assets is 0.28 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 Mestika Dharma Tbk (ISX:BBMD) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Mestika Dharma Tbk stock appears to be overvalued. The current stock price of Rp1,920.00 is trading 1.8% above its estimated GF Value™ of Rp1,885.81. GuruFocus considers PT Bank Mestika Dharma Tbk to be Fairly Valued.

Key valuation signals for ISX:BBMD:

  • Scaled Net Operating Assets: 0.28
  • GF Value™: Rp1,885.81 vs. price of Rp1,920.00 (1.8% above fair value)
  • GF Score™: 48/100 with 3 warning signs

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

PT Bank Mestika Dharma Tbk Business Description

Address Jalan H. Zainul Arifin No. 118, Mestika Building, Sumatera Utara, Medan, IDN, 20112
PT Bank Mestika Dharma Tbk is a company that specializes in providing a wide range of banking services, including current accounts, savings products, time deposits, and consumer loans. Additionally, it offers convenient digital banking solutions such as internet banking, SMS banking, and e-channel facilities, along with traditional services like safe deposit boxes, money changers, and telegraphic transfers. The company's geographic segments include Sumatra, encompassing areas like Medan, Pematang Siantar, and Palembang etc., as well as areas outside Sumatra, such as Jakarta, Semarang, and Surabaya.
48GF Score

Get the complete analysis for ISX:BBMD

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

Rp1,920.00
Price
Rp1,885.81
GF Value