PT Bank Multiarta Sentosa Tbk (ISX:MASB) Scaled Net Operating Assets: -0.03 (As of Mar. 2026)


ISX:MASB PT Bank Multiarta Sentosa Tbk ISX:MASB
69 GF Score
Price Rp3,370.00
GF Value Rp4,053.88
Valuation Modestly Undervalued
! 1 Warning Sign
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What is PT Bank Multiarta Sentosa Tbk Scaled Net Operating Assets?

PT Bank Multiarta Sentosa Tbk ISX:MASB 69 Scaled Net Operating Assets is -0.03 as of Mar. 2026. GuruFocus rates ISX:MASB with a GF Score™ of 69/100 and a GF Value™ of Rp4,053.88 (Modestly Undervalued). The stock has 1 warning sign 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 Multiarta Sentosa Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp28,810,328 Mil. PT Bank Multiarta Sentosa Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp29,968,391 Mil. PT Bank Multiarta Sentosa Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp33,103,127 Mil. Therefore, PT Bank Multiarta Sentosa Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.03.

ISX:MASB
69GF Score
PT Bank Multiarta Sentosa Tbk ISX:MASB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Multiarta Sentosa 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 Multiarta Sentosa 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 )
=(27132884.737-28987148.89)/28889529.883
=-0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=33103126.831 - 5970242.094
=27132884.737

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=28998020.258 - 10871.368 - 0
=28987148.89

PT Bank Multiarta Sentosa 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 )
=(28810328.305-29968391.279)/33103126.831
=-0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=34102679.285 - 5292350.98
=28810328.305

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=29976872.707 - 8481.428 - 0
=29968391.279

* 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 -0.03 mean?
PT Bank Multiarta Sentosa Tbk (ISX:MASB) has a Scaled Net Operating Assets of -0.03 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 Multiarta Sentosa Tbk and its competitors.
Is PT Bank Multiarta Sentosa Tbk's Scaled Net Operating Assets too high?
PT Bank Multiarta Sentosa Tbk's current Scaled Net Operating Assets is -0.03. Overall, PT Bank Multiarta Sentosa Tbk has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Multiarta Sentosa Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Multiarta Sentosa Tbk's Scaled Net Operating Assets of -0.03 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 Multiarta Sentosa Tbk and its competitors. PT Bank Multiarta Sentosa Tbk's current Scaled Net Operating Assets is -0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Multiarta Sentosa Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Multiarta Sentosa Tbk (ISX:MASB) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp4,053.88, compared to a current price of Rp3,370.00 — trading 16.9% below its estimated fair value. The current Scaled Net Operating Assets is -0.03. PT Bank Multiarta Sentosa Tbk's overall GF Score™ is 69/100 with 1 warning sign 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 Multiarta Sentosa Tbk (ISX:MASB), the current Scaled Net Operating Assets is -0.03 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 Multiarta Sentosa Tbk (ISX:MASB) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Multiarta Sentosa Tbk stock appears to be undervalued. The current stock price of Rp3,370.00 is trading 16.9% below its estimated GF Value™ of Rp4,053.88. GuruFocus considers PT Bank Multiarta Sentosa Tbk to be Modestly Undervalued.

Key valuation signals for ISX:MASB:

  • Scaled Net Operating Assets: -0.03
  • GF Value™: Rp4,053.88 vs. price of Rp3,370.00 (16.9% below fair value)
  • GF Score™: 69/100 with 1 warning sign

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

PT Bank Multiarta Sentosa Tbk Business Description

Address Jalan Setiabudi Selatan Kav. 7-8, Grha Bank MAS, Kuningan, Jakarta Selatan, IDN, 12920
PT Bank Multiarta Sentosa Tbk provides banking services. The company offers loans, savings, e-banking, and other financial services. The products and services are offered to small and medium businesses and the commercial sector, and to meet the personal banking needs of business owners, families, and employees. The Bank's operations are organized into four segments: loans, Treasury, Trade Finance, and others. The company earns the majority of its revenue from the Treasury segment.
69GF Score

Get the complete analysis for ISX:MASB

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

Rp3,370.00
Price
Rp4,053.88
GF Value