Bank of Punjab (KAR:BOP) Scaled Net Operating Assets: 0.03 (As of Mar. 2026)


KAR:BOP Bank of Punjab KAR:BOP
29 GF Score
Price ₨36.77
GF Value ₨14.91
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Bank of Punjab Scaled Net Operating Assets?

Bank of Punjab KAR:BOP +1.27% 29 Scaled Net Operating Assets is 0.03 as of Mar. 2026. GuruFocus rates KAR:BOP with a GF Score™ of 29/100 and a GF Value™ of ₨14.91 (Significantly 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.

Bank of Punjab's operating assets for the quarter that ended in Mar. 2026 was ₨2,502,279 Mil. Bank of Punjab's operating liabilities for the quarter that ended in Mar. 2026 was ₨2,402,733 Mil. Bank of Punjab's Total Assets for the quarter that ended in Dec. 2025 was ₨2,950,740 Mil. Therefore, Bank of Punjab's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.03.

KAR:BOP
29GF Score
Bank of Punjab KAR:BOP
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Punjab 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.

Bank of Punjab'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 )
=(2768137.516-2752565.824)/2379140.501
=0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2950739.786 - 182602.27
=2768137.516

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2847418.754 - 94852.93 - 0
=2752565.824

Bank of Punjab'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 )
=(2502279.278-2402733.06)/2950739.786
=0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2598334.737 - 96055.459
=2502279.278

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2501827.271 - 99094.211 - 0
=2402733.06

* 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?
Bank of Punjab (KAR:BOP) 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 Bank of Punjab and its competitors.
Is Bank of Punjab's Scaled Net Operating Assets too high?
Bank of Punjab's current Scaled Net Operating Assets is 0.03. Overall, Bank of Punjab has a GF Score™ of 29/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Punjab's Scaled Net Operating Assets compare to competitors?
Bank of Punjab'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 Bank of Punjab and its competitors. Bank of Punjab'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 Bank of Punjab stock overvalued right now?
Based on GuruFocus' analysis, Bank of Punjab (KAR:BOP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨14.91, compared to a current price of ₨36.77 — trading 146.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.03. Bank of Punjab's overall GF Score™ is 29/100 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 Bank of Punjab (KAR:BOP), 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 Bank of Punjab (KAR:BOP) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Punjab stock appears to be overvalued. The current stock price of ₨36.77 is trading 146.6% above its estimated GF Value™ of ₨14.91. GuruFocus considers Bank of Punjab to be Significantly Overvalued.

Key valuation signals for KAR:BOP:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: ₨14.91 vs. price of ₨36.77 (146.6% above fair value)
  • GF Score™: 29/100 with 3 warning signs

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

Bank of Punjab Business Description

Address Main Boulevard, Block E-II, 10-B, BOP Tower, Gulberg III, Lahore, PB, PAK
Bank of Punjab is a financial institution providing a range of customized banking products and services. The bank also provides Islamic banking, payment services, home remittances, and other services. The operating segments of the company are Corporate and investment banking, Consumer banking group, Cards and public sector deposits (CPSD), Treasury, Islamic banking, and others. The company generates the majority of its revenue from Consumer banking group segment.
29GF Score

Get the complete analysis for KAR:BOP

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

₨36.77
Price
₨14.91
GF Value