Adamjee Insurance Co (KAR:AICL) Scaled Net Operating Assets: -0.00 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

KAR:AICL Adamjee Insurance Co Ltd KAR:AICL
69 GF Score
Price ₨80.26
GF Value ₨61.70
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Adamjee Insurance Co Scaled Net Operating Assets?

Adamjee Insurance Co KAR:AICL -0.09% 69 Scaled Net Operating Assets is -0.00 as of Mar. 2026. GuruFocus rates KAR:AICL with a GF Score™ of 69/100 and a GF Value™ of ₨61.70 (Modestly Overvalued). The stock has 3 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.

Adamjee Insurance Co's operating assets for the quarter that ended in Mar. 2026 was ₨211,040 Mil. Adamjee Insurance Co's operating liabilities for the quarter that ended in Mar. 2026 was ₨212,361 Mil. Adamjee Insurance Co's Total Assets for the quarter that ended in Dec. 2025 was ₨264,708 Mil. Therefore, Adamjee Insurance Co's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.00.

KAR:AICL
69GF Score
Adamjee Insurance Co Ltd KAR:AICL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Adamjee Insurance Co 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.

Adamjee Insurance Co'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 )
=(252406.346-212537.65)/224674.558
=0.18

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=264707.553 - 12301.207
=252406.346

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=212892.991 - 281.111 - 74.23
=212537.65

Adamjee Insurance Co'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 )
=(211039.51-212360.513)/264707.553
=-0.00

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=263842.151 - 52802.641
=211039.51

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=212705.502 - 344.989 - 0
=212360.513

* 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 -0.00 mean?
Adamjee Insurance Co (KAR:AICL) has a Scaled Net Operating Assets of -0.00 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 Adamjee Insurance Co and its competitors.
Is Adamjee Insurance Co's Scaled Net Operating Assets too high?
Adamjee Insurance Co's current Scaled Net Operating Assets is -0.00. Overall, Adamjee Insurance Co has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Adamjee Insurance Co's Scaled Net Operating Assets compare to CB and PGR?
Adamjee Insurance Co's Scaled Net Operating Assets of -0.00 can be compared against companies in the Insurance 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 an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance 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 Adamjee Insurance Co and its competitors. Adamjee Insurance Co's current Scaled Net Operating Assets is -0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adamjee Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Adamjee Insurance Co (KAR:AICL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨61.70, compared to a current price of ₨80.26 — trading 30.1% above its estimated fair value. The current Scaled Net Operating Assets is -0.00. Adamjee Insurance Co's overall GF Score™ is 69/100 with 3 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 Adamjee Insurance Co (KAR:AICL), the current Scaled Net Operating Assets is -0.00 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 Adamjee Insurance Co (KAR:AICL) Overvalued in 2026?

Based on GuruFocus' analysis, Adamjee Insurance Co stock appears to be overvalued. The current stock price of ₨80.26 is trading 30.1% above its estimated GF Value™ of ₨61.70. GuruFocus considers Adamjee Insurance Co to be Modestly Overvalued.

Key valuation signals for KAR:AICL:

  • Scaled Net Operating Assets: -0.00
  • GF Value™: ₨61.70 vs. price of ₨80.26 (30.1% above fair value)
  • GF Score™: 69/100 with 3 warning signs

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

Adamjee Insurance Co Business Description

Address Main Boulevard, Gulberg-III, 80/A, Block E-1, Adamjee House Building, Lahore, PAK, 54000
Adamjee Insurance Co Ltd is an insurance company engaged in providing insurance to various categories of businesses, such as Fire and Property, Marine Aviation and Transport, Motor, Accident and Health, and Miscellaneous Insurance. Some of the company's high-risk-value projects include the risk-coverage provision to Petrochemical Factories and Industrial Risk projects. It has five primary business segments for reporting purposes, namely Fire & property, marine aviation & transport, motor, accident & health, and miscellaneous. The company generates the majority of its revenue from the Motor segment.
69GF Score

Get the complete analysis for KAR:AICL

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

₨80.26
Price
₨61.70
GF Value