Soneri Bank (KAR:SNBL) Scaled Net Operating Assets: 0.01 (As of Mar. 2026)


KAR:SNBL Soneri Bank Ltd KAR:SNBL
71 GF Score
Price ₨22.70
GF Value ₨18.16
Valuation Modestly Overvalued
! 2 Warning Signs
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What is Soneri Bank Scaled Net Operating Assets?

Soneri Bank KAR:SNBL -1.13% 71 Scaled Net Operating Assets is 0.01 as of Mar. 2026. GuruFocus rates KAR:SNBL with a GF Score™ of 71/100 and a GF Value™ of ₨18.16 (Modestly Overvalued). 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.

Soneri Bank's operating assets for the quarter that ended in Mar. 2026 was ₨778,072 Mil. Soneri Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₨770,608 Mil. Soneri Bank's Total Assets for the quarter that ended in Dec. 2025 was ₨852,477 Mil. Therefore, Soneri Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.01.

KAR:SNBL
71GF Score
Soneri Bank Ltd KAR:SNBL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Soneri Bank 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.

Soneri Bank'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 )
=(782603.64-762678.405)/739499.353
=0.03

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=852476.62 - 69872.98
=782603.64

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=815689.754 - 53011.349 - 0
=762678.405

Soneri Bank'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 )
=(778072.023-770608.191)/852476.62
=0.01

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=836132.239 - 58060.216
=778072.023

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=802444.045 - 31835.854 - 0
=770608.191

* 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?
Soneri Bank (KAR:SNBL) 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 Soneri Bank and its competitors.
Is Soneri Bank's Scaled Net Operating Assets too high?
Soneri Bank's current Scaled Net Operating Assets is 0.01. Overall, Soneri Bank has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Soneri Bank's Scaled Net Operating Assets compare to PNC and USB?
Soneri Bank'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 Soneri Bank and its competitors. Soneri Bank'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 Soneri Bank stock overvalued right now?
Based on GuruFocus' analysis, Soneri Bank (KAR:SNBL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨18.16, compared to a current price of ₨22.70 — trading 25% above its estimated fair value. The current Scaled Net Operating Assets is 0.01. Soneri Bank's overall GF Score™ is 71/100 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 Soneri Bank (KAR:SNBL), 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 Soneri Bank (KAR:SNBL) Overvalued in 2026?

Based on GuruFocus' analysis, Soneri Bank stock appears to be overvalued. The current stock price of ₨22.70 is trading 25% above its estimated GF Value™ of ₨18.16. GuruFocus considers Soneri Bank to be Modestly Overvalued.

Key valuation signals for KAR:SNBL:

  • Scaled Net Operating Assets: 0.01
  • GF Value™: ₨18.16 vs. price of ₨22.70 (25% above fair value)
  • GF Score™: 71/100 with 2 warning signs

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

Soneri Bank Business Description

Address 307-Upper Mall Scheme, 2nd Floor, Lahore, PB, PAK, 54000
Soneri Bank Ltd provides banking services. It is involved in the activities of Retail Banking; Corporate and Investment Banking; Islamic Banking and Foreign Exchange Services. It offers fixed income, equity, foreign exchanges, lending, and repo services. It also offers financing, deposits, and services to corporate customers including services about mergers and acquisition and IPOs. The business segments of the bank are Corporate finance, Islamic, Trading and sales, Retail Banking and others.
71GF Score

Get the complete analysis for KAR:SNBL

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

₨22.70
Price
₨18.16
GF Value