BankIslami Pakistan (KAR:BIPL) Scaled Net Operating Assets: 0.01 (As of Mar. 2026)


KAR:BIPL BankIslami Pakistan Ltd KAR:BIPL
64 GF Score
Price ₨28.03
GF Value ₨24.49
Valuation Modestly Overvalued
! 4 Warning Signs
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What is BankIslami Pakistan Scaled Net Operating Assets?

BankIslami Pakistan KAR:BIPL +2.15% 64 Scaled Net Operating Assets is 0.01 as of Mar. 2026. GuruFocus rates KAR:BIPL with a GF Score™ of 64/100 and a GF Value™ of ₨24.49 (Modestly Overvalued). The stock has 4 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.

BankIslami Pakistan's operating assets for the quarter that ended in Mar. 2026 was ₨705,275 Mil. BankIslami Pakistan's operating liabilities for the quarter that ended in Mar. 2026 was ₨696,647 Mil. BankIslami Pakistan's Total Assets for the quarter that ended in Dec. 2025 was ₨770,086 Mil. Therefore, BankIslami Pakistan's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.01.

KAR:BIPL
64GF Score
BankIslami Pakistan Ltd KAR:BIPL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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BankIslami Pakistan 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.

BankIslami Pakistan'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 )
=(697195.252-696045.084)/737884.562
=0.00

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=770085.975 - 72890.723
=697195.252

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=721564.482 - 25519.398 - 0
=696045.084

BankIslami Pakistan'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 )
=(705275.091-696647.115)/770085.975
=0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=767317.81 - 62042.719
=705275.091

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=720835.31 - 24188.195 - 0
=696647.115

* 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 0.01 mean?
BankIslami Pakistan (KAR:BIPL) has a Scaled Net Operating Assets of 0.01 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 BankIslami Pakistan and its competitors.
Is BankIslami Pakistan's Scaled Net Operating Assets too high?
BankIslami Pakistan's current Scaled Net Operating Assets is 0.01. Overall, BankIslami Pakistan has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BankIslami Pakistan's Scaled Net Operating Assets compare to PNC and USB?
BankIslami Pakistan's Scaled Net Operating Assets of 0.01 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 BankIslami Pakistan and its competitors. BankIslami Pakistan's current Scaled Net Operating Assets is 0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BankIslami Pakistan stock overvalued right now?
Based on GuruFocus' analysis, BankIslami Pakistan (KAR:BIPL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨24.49, compared to a current price of ₨28.03 — trading 14.5% above its estimated fair value. The current Scaled Net Operating Assets is 0.01. BankIslami Pakistan's overall GF Score™ is 64/100 with 4 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 BankIslami Pakistan (KAR:BIPL), the current Scaled Net Operating Assets is 0.01 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 BankIslami Pakistan (KAR:BIPL) Overvalued in 2026?

Based on GuruFocus' analysis, BankIslami Pakistan stock appears to be overvalued. The current stock price of ₨28.03 is trading 14.5% above its estimated GF Value™ of ₨24.49. GuruFocus considers BankIslami Pakistan to be Modestly Overvalued.

Key valuation signals for KAR:BIPL:

  • Scaled Net Operating Assets: 0.01
  • GF Value™: ₨24.49 vs. price of ₨28.03 (14.5% above fair value)
  • GF Score™: 64/100 with 4 warning signs

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

BankIslami Pakistan Business Description

Address Marine Drive, Block-4, 11th Floor, Executive Tower, Dolmen City, Karachi, SD, PAK
BankIslami Pakistan Ltd provides various banking products and services in Pakistan. The Bank's segments include Trading and Sales including equity, foreign exchanges, commodities, money market placements, and Shariah-compliant debt investments; Retail Banking includes retail Islamic financing and related assets, deposits, and banking services offered to the Bank's retail customers; and Commercial Banking includes investment banking business, trade business and Islamic financing and related assets relating to the Bank's corporate, SME and agriculture customers; and Support Centre segment includes the assets and liabilities relating to support functions at Head Office and their related income and expenses. The Majority of revenue derives from the Retail Banking segment. Operates in Pakistan.
64GF 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.

₨28.03
Price
₨24.49
GF Value