PT Bank SMBC Indonesia Tbk (ISX:BTPN) Scaled Net Operating Assets: 0.36 (As of Mar. 2026)


ISX:BTPN PT Bank SMBC Indonesia Tbk ISX:BTPN
50 GF Score
Price Rp2,140.00
GF Value Rp2,361.74
Valuation Fairly Valued
! 5 Warning Signs
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What is PT Bank SMBC Indonesia Tbk Scaled Net Operating Assets?

PT Bank SMBC Indonesia Tbk ISX:BTPN +0.47% 50 Scaled Net Operating Assets is 0.36 as of Mar. 2026. GuruFocus rates ISX:BTPN with a GF Score™ of 50/100 and a GF Value™ of Rp2,361.74 (Fairly Valued). The stock has 5 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 SMBC Indonesia Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp231,508,796 Mil. PT Bank SMBC Indonesia Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp143,371,111 Mil. PT Bank SMBC Indonesia Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp245,848,165 Mil. Therefore, PT Bank SMBC Indonesia Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.36.

ISX:BTPN
50GF Score
PT Bank SMBC Indonesia Tbk ISX:BTPN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank SMBC 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 SMBC 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 )
=(220282173-143077549)/241096427
=0.32

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=245848165 - 25565992
=220282173

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=192392451 - 49314902 - 0
=143077549

PT Bank SMBC 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 )
=(231508796-143371111)/245848165
=0.36

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=250018949 - 18510153
=231508796

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=195964360 - 52593249 - 0
=143371111

* 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 0.36 mean?
PT Bank SMBC Indonesia Tbk (ISX:BTPN) has a Scaled Net Operating Assets of 0.36 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 SMBC Indonesia Tbk and its competitors.
Is PT Bank SMBC Indonesia Tbk's Scaled Net Operating Assets too high?
PT Bank SMBC Indonesia Tbk's current Scaled Net Operating Assets is 0.36. Overall, PT Bank SMBC Indonesia Tbk has a GF Score™ of 50/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank SMBC Indonesia Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank SMBC Indonesia Tbk's Scaled Net Operating Assets of 0.36 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 SMBC Indonesia Tbk and its competitors. PT Bank SMBC Indonesia Tbk's current Scaled Net Operating Assets is 0.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank SMBC Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank SMBC Indonesia Tbk (ISX:BTPN) is currently considered Fairly Valued. The stock's GF Value™ is Rp2,361.74, compared to a current price of Rp2,140.00 — trading 9.4% below its estimated fair value. The current Scaled Net Operating Assets is 0.36. PT Bank SMBC Indonesia Tbk's overall GF Score™ is 50/100 with 5 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 SMBC Indonesia Tbk (ISX:BTPN), the current Scaled Net Operating Assets is 0.36 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 SMBC Indonesia Tbk (ISX:BTPN) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank SMBC Indonesia Tbk stock appears to be undervalued. The current stock price of Rp2,140.00 is trading 9.4% below its estimated GF Value™ of Rp2,361.74. GuruFocus considers PT Bank SMBC Indonesia Tbk to be Fairly Valued.

Key valuation signals for ISX:BTPN:

  • Scaled Net Operating Assets: 0.36
  • GF Value™: Rp2,361.74 vs. price of Rp2,140.00 (9.4% below fair value)
  • GF Score™: 50/100 with 5 warning signs

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

PT Bank SMBC Indonesia Tbk Business Description

Address Jalan Dr. Ide Anak Agung Gde Agung, Menara SMBC, CBD Mega Kuningan Lantai 29, Kavling 5.5 - 5.6, Jakarta Selatan, Jakarta, IDN, 12950
PT Bank SMBC Indonesia Tbk is a foreign exchange bank. It offers products and services such as green financing, products and services for retired customers, for micro, small, and medium enterprise customers, for large national, multinational, and Japanese corporations, wealth management services through Sinaya, as well as digital banking services for digital-savvy communities through Jenius. The company's segment includes: Retail, MSME, Funding and Treasury, Corporate, Sharia, and Financing. The company generates the majority of its revenue from Retail segment.
50GF Score

Get the complete analysis for ISX:BTPN

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

Rp2,140.00
Price
Rp2,361.74
GF Value