PT Bank Ganesha Tbk (ISX:BGTG) Scaled Net Operating Assets: 0.24 (As of Mar. 2026)

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ISX:BGTG PT Bank Ganesha Tbk ISX:BGTG
57 GF Score
Price Rp113.00
GF Value Rp69.62
Valuation Significantly Overvalued
! 2 Warning Signs
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What is PT Bank Ganesha Tbk Scaled Net Operating Assets?

PT Bank Ganesha Tbk ISX:BGTG +4.63% 57 Scaled Net Operating Assets is 0.24 as of Mar. 2026. GuruFocus rates ISX:BGTG with a GF Score™ of 57/100 and a GF Value™ of Rp69.62 (Significantly Overvalued). 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 Ganesha Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp9,461,007 Mil. PT Bank Ganesha Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp6,711,231 Mil. PT Bank Ganesha Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp11,340,390 Mil. Therefore, PT Bank Ganesha Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.24.

ISX:BGTG
57GF Score
PT Bank Ganesha Tbk ISX:BGTG
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Ganesha 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 Ganesha 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 )
=(9649791-7644780)/10358250
=0.19

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=11340390 - 1690599
=9649791

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7651113 - 6333 - 0
=7644780

PT Bank Ganesha 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 )
=(9461007-6711231)/11340390
=0.24

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=10445511 - 984504
=9461007

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=6715892 - 4661 - 0
=6711231

* 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 0.24 mean?
PT Bank Ganesha Tbk (ISX:BGTG) has a Scaled Net Operating Assets of 0.24 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 Ganesha Tbk and its competitors.
Is PT Bank Ganesha Tbk's Scaled Net Operating Assets too high?
PT Bank Ganesha Tbk's current Scaled Net Operating Assets is 0.24. Overall, PT Bank Ganesha Tbk has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Ganesha Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Ganesha Tbk's Scaled Net Operating Assets of 0.24 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 Ganesha Tbk and its competitors. PT Bank Ganesha Tbk's current Scaled Net Operating Assets is 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Ganesha Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Ganesha Tbk (ISX:BGTG) is currently considered Significantly Overvalued. The stock's GF Value™ is Rp69.62, compared to a current price of Rp113.00 — trading 62.3% above its estimated fair value. The current Scaled Net Operating Assets is 0.24. PT Bank Ganesha Tbk's overall GF Score™ is 57/100 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 Ganesha Tbk (ISX:BGTG), the current Scaled Net Operating Assets is 0.24 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 Ganesha Tbk (ISX:BGTG) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Ganesha Tbk stock appears to be overvalued. The current stock price of Rp113.00 is trading 62.3% above its estimated GF Value™ of Rp69.62. GuruFocus considers PT Bank Ganesha Tbk to be Significantly Overvalued.

Key valuation signals for ISX:BGTG:

  • Scaled Net Operating Assets: 0.24
  • GF Value™: Rp69.62 vs. price of Rp113.00 (62.3% above fair value)
  • GF Score™: 57/100 with 2 warning signs

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

PT Bank Ganesha Tbk Business Description

Address Jalan Hayam Wuruk No. 8, Wisma Hayam Wuruk, 1st & 2nd Floor, Central Jakarta, Jakarta, IDN, 10120
PT Bank Ganesha Tbk operates as a commercial bank. The bank's operational segment is divided based on products and services, consisting of Banking, Consumer, Treasury, and Other businesses. The majority of the revenue is derived from the Consumer segment. The bank offers time deposits, current accounts, and savings accounts, as well as extends loans to commercial, SME, and corporate segments. The bank also offers export and import payment transactions, foreign exchange, and other banking services. All operations of the bank are in the territory of Indonesia.
57GF Score

Get the complete analysis for ISX:BGTG

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

Rp113.00
Price
Rp69.62
GF Value