PT Bank Neo Commerce Tbk (ISX:BBYB) Scaled Net Operating Assets: 0.04 (As of Mar. 2026)

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ISX:BBYB PT Bank Neo Commerce Tbk ISX:BBYB
79 GF Score
Price Rp232.00
GF Value Rp220.20
Valuation Fairly Valued
! 2 Warning Signs
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What is PT Bank Neo Commerce Tbk Scaled Net Operating Assets?

PT Bank Neo Commerce Tbk ISX:BBYB +3.57% 79 Scaled Net Operating Assets is 0.04 as of Mar. 2026. GuruFocus rates ISX:BBYB with a GF Score™ of 79/100 and a GF Value™ of Rp220.20 (Fairly Valued). 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 Bank Neo Commerce Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp14,750,743 Mil. PT Bank Neo Commerce Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp14,003,067 Mil. PT Bank Neo Commerce Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp18,973,769 Mil. Therefore, PT Bank Neo Commerce Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.04.

ISX:BBYB
79GF Score
PT Bank Neo Commerce Tbk ISX:BBYB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Neo Commerce 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 Neo Commerce 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 )
=(15890191-14693314)/17409065
=0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=18973769 - 3083578
=15890191

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=14743043 - 49729 - 0
=14693314

PT Bank Neo Commerce 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 )
=(14750743-14003067)/18973769
=0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=18346451 - 3595708
=14750743

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=14041616 - 38549 - 0
=14003067

* 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 0.04 mean?
PT Bank Neo Commerce Tbk (ISX:BBYB) has a Scaled Net Operating Assets of 0.04 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 Neo Commerce Tbk and its competitors.
Is PT Bank Neo Commerce Tbk's Scaled Net Operating Assets too high?
PT Bank Neo Commerce Tbk's current Scaled Net Operating Assets is 0.04. Overall, PT Bank Neo Commerce Tbk has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Neo Commerce Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Neo Commerce Tbk's Scaled Net Operating Assets of 0.04 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 Neo Commerce Tbk and its competitors. PT Bank Neo Commerce Tbk's current Scaled Net Operating Assets is 0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Neo Commerce Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Neo Commerce Tbk (ISX:BBYB) is currently considered Fairly Valued. The stock's GF Value™ is Rp220.20, compared to a current price of Rp232.00 — trading 5.4% above its estimated fair value. The current Scaled Net Operating Assets is 0.04. PT Bank Neo Commerce Tbk's overall GF Score™ is 79/100 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 Bank Neo Commerce Tbk (ISX:BBYB), the current Scaled Net Operating Assets is 0.04 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 Neo Commerce Tbk (ISX:BBYB) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Neo Commerce Tbk stock appears to be overvalued. The current stock price of Rp232.00 is trading 5.4% above its estimated GF Value™ of Rp220.20. GuruFocus considers PT Bank Neo Commerce Tbk to be Fairly Valued.

Key valuation signals for ISX:BBYB:

  • Scaled Net Operating Assets: 0.04
  • GF Value™: Rp220.20 vs. price of Rp232.00 (5.4% above fair value)
  • GF Score™: 79/100 with 2 warning signs

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

PT Bank Neo Commerce Tbk Business Description

Address Jalan Jend Sudirman Kav. 52-53, Treasury Tower, 60th Floor, District 8, Area Lot 28, Senayan, Kebayoran Baru, Jakarta, IDN, 12190
PT Bank Neo Commerce Tbk operates as a commercial bank. The company's products and services include current accounts, savings accounts, time deposits, and deposit on-call products and loans, such as pension, channeling, multi-purpose, vehicle, mortgage, personal, working capital, and investment loans. It offers various commercial banking products and services to individuals, corporates, and medium-sized businesses in Indonesia.
79GF Score

Get the complete analysis for ISX:BBYB

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

Rp232.00
Price
Rp220.20
GF Value