PT Bank Btpn Syariah Tbk (ISX:BTPS) Scaled Net Operating Assets: 0.37 (As of Mar. 2026)


ISX:BTPS PT Bank Btpn Syariah Tbk ISX:BTPS
73 GF Score
Price Rp990.00
GF Value Rp1,221.29
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PT Bank Btpn Syariah Tbk Scaled Net Operating Assets?

PT Bank Btpn Syariah Tbk ISX:BTPS +2.59% 73 Scaled Net Operating Assets is 0.37 as of Mar. 2026. GuruFocus rates ISX:BTPS with a GF Score™ of 73/100 and a GF Value™ of Rp1,221.29 (Modestly Undervalued). 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 Btpn Syariah Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp21,318,657 Mil. PT Bank Btpn Syariah Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp12,845,568 Mil. PT Bank Btpn Syariah Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp22,751,076 Mil. Therefore, PT Bank Btpn Syariah Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.37.

ISX:BTPS
73GF Score
PT Bank Btpn Syariah Tbk ISX:BTPS
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Btpn Syariah 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 Btpn Syariah 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 )
=(20371464-12760055)/21747580
=0.35

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=22751076 - 2379612
=20371464

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=12789564 - 29509 - 0
=12760055

PT Bank Btpn Syariah 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 )
=(21318657-12845568)/22751076
=0.37

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=23153579 - 1834922
=21318657

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=12872773 - 27205 - 0
=12845568

* 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 0.37 mean?
PT Bank Btpn Syariah Tbk (ISX:BTPS) has a Scaled Net Operating Assets of 0.37 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 Btpn Syariah Tbk and its competitors.
Is PT Bank Btpn Syariah Tbk's Scaled Net Operating Assets too high?
PT Bank Btpn Syariah Tbk's current Scaled Net Operating Assets is 0.37. Overall, PT Bank Btpn Syariah Tbk has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Btpn Syariah Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Btpn Syariah Tbk's Scaled Net Operating Assets of 0.37 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 Btpn Syariah Tbk and its competitors. PT Bank Btpn Syariah Tbk's current Scaled Net Operating Assets is 0.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Btpn Syariah Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Btpn Syariah Tbk (ISX:BTPS) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp1,221.29, compared to a current price of Rp990.00 — trading 18.9% below its estimated fair value. The current Scaled Net Operating Assets is 0.37. PT Bank Btpn Syariah Tbk's overall GF Score™ is 73/100 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 Btpn Syariah Tbk (ISX:BTPS), the current Scaled Net Operating Assets is 0.37 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 Btpn Syariah Tbk (ISX:BTPS) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Btpn Syariah Tbk stock appears to be undervalued. The current stock price of Rp990.00 is trading 18.9% below its estimated GF Value™ of Rp1,221.29. GuruFocus considers PT Bank Btpn Syariah Tbk to be Modestly Undervalued.

Key valuation signals for ISX:BTPS:

  • Scaled Net Operating Assets: 0.37
  • GF Value™: Rp1,221.29 vs. price of Rp990.00 (18.9% below fair value)
  • GF Score™: 73/100 with 2 warning signs

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

PT Bank Btpn Syariah Tbk Business Description

Address Jalan Dr. Ide Anak Agung Gde Agung Kav 5.5-5.6, Menara BTPN, 12th Floor, CBD Mega Kuningan, South Jakarta, Jakarta, IDN, 12950
PT Bank Btpn Syariah Tbk is a bank that operates its business in one segment, financing using murabahah contract for the productive poor community. The company's primary focus is to provide services for empowering the inclusive communities customers and developing financial inclusion by providing different kinds of funding and financing solutions, such as Tepat Tabungan Syariah, Tepat Deposito, Tepat Pembiayaan Syariah Individu, and others, to its customers. The operating segments include: Jawa, Bali & Nusa, Tenggara Sumatera, and Kalimantan & Sulawesi.
73GF Score

Get the complete analysis for ISX:BTPS

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

Rp990.00
Price
Rp1,221.29
GF Value