PT Bank Victoria International Tbk (ISX:BVIC) Scaled Net Operating Assets: 0.20 (As of Mar. 2026)


ISX:BVIC PT Bank Victoria International Tbk ISX:BVIC
53 GF Score
Price Rp81.00
GF Value Rp102.87
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PT Bank Victoria International Tbk Scaled Net Operating Assets?

PT Bank Victoria International Tbk ISX:BVIC +1.25% 53 Scaled Net Operating Assets is 0.20 as of Mar. 2026. GuruFocus rates ISX:BVIC with a GF Score™ of 53/100 and a GF Value™ of Rp102.87 (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 Victoria International Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp32,024,391 Mil. PT Bank Victoria International Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp24,946,311 Mil. PT Bank Victoria International Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp36,201,697 Mil. Therefore, PT Bank Victoria International Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.20.

ISX:BVIC
53GF Score
PT Bank Victoria International Tbk ISX:BVIC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Victoria International 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 Victoria International 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 )
=(33187876.525-26391706.712)/31045989.252
=0.22

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=36201697.084 - 3013820.559
=33187876.525

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=31832775.864 - 5441069.152 - 0
=26391706.712

PT Bank Victoria International 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 )
=(32024391.207-24946311.112)/36201697.084
=0.20

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=33950457.369 - 1926066.162
=32024391.207

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=29653142.117 - 4706831.005 - 0
=24946311.112

* 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 0.20 mean?
PT Bank Victoria International Tbk (ISX:BVIC) has a Scaled Net Operating Assets of 0.20 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 Victoria International Tbk and its competitors.
Is PT Bank Victoria International Tbk's Scaled Net Operating Assets too high?
PT Bank Victoria International Tbk's current Scaled Net Operating Assets is 0.20. Overall, PT Bank Victoria International Tbk has a GF Score™ of 53/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Victoria International Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Victoria International Tbk's Scaled Net Operating Assets of 0.20 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 Victoria International Tbk and its competitors. PT Bank Victoria International Tbk's current Scaled Net Operating Assets is 0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Victoria International Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Victoria International Tbk (ISX:BVIC) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp102.87, compared to a current price of Rp81.00 — trading 21.3% below its estimated fair value. The current Scaled Net Operating Assets is 0.20. PT Bank Victoria International Tbk's overall GF Score™ is 53/100 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 Victoria International Tbk (ISX:BVIC), the current Scaled Net Operating Assets is 0.20 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 Victoria International Tbk (ISX:BVIC) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Victoria International Tbk stock appears to be undervalued. The current stock price of Rp81.00 is trading 21.3% below its estimated GF Value™ of Rp102.87. GuruFocus considers PT Bank Victoria International Tbk to be Modestly Undervalued.

Key valuation signals for ISX:BVIC:

  • Scaled Net Operating Assets: 0.20
  • GF Value™: Rp102.87 vs. price of Rp81.00 (21.3% below fair value)
  • GF Score™: 53/100 with 2 warning signs

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

PT Bank Victoria International Tbk Business Description

Address Jalan Gatot Subroto Kav. 23, Gedung Graha BIP, Lantai 10, Kel. Karet Semanggi, Kec. Setiabudi, Jakarta Selatan, Jakarta, IDN, 12930
PT Bank Victoria International Tbk is an Indonesian-based commercial banking firm. It provides general banking services like collecting deposits, granting loans and advances, clearing and collection services, RTGS, bill payment, investment products, and many others. The majority of the company's revenue is generated in the form of interest income. Geographically, it operates across different regions in Indonesia, such as Jadetabek, West Java, Central Java and East Java, and Non Java.
53GF Score

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

Rp81.00
Price
Rp102.87
GF Value