Erste Bank Polska (LTS:0DVR) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


LTS:0DVR Erste Bank Polska SA LTS:0DVR
78 GF Score
Price zł395.55
GF Value zł316.76
! 9 Warning Signs
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What is Erste Bank Polska Scaled Net Operating Assets?

Erste Bank Polska LTS:0DVR 78 Scaled Net Operating Assets is 0.12 as of Mar. 2026. GuruFocus rates LTS:0DVR with a GF Score™ of 78/100 and a GF Value™ of zł316.76. The stock has 9 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.

Erste Bank Polska's operating assets for the quarter that ended in Mar. 2026 was zł288,021 Mil. Erste Bank Polska's operating liabilities for the quarter that ended in Mar. 2026 was zł251,769 Mil. Erste Bank Polska's Total Assets for the quarter that ended in Dec. 2025 was zł308,150 Mil. Therefore, Erste Bank Polska's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

LTS:0DVR
78GF Score
Erste Bank Polska SA LTS:0DVR
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Erste Bank Polska 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.

Erste Bank Polska'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 )
=(286060.191-254728.45)/304373.92
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=308150.077 - 22089.886
=286060.191

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=272644.851 - 17916.401 - 0
=254728.45

Erste Bank Polska'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 )
=(288021.336-251768.744)/308150.077
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=304415.46 - 16394.124
=288021.336

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=268622.068 - 16853.324 - 0
=251768.744

* 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 0.12 mean?
Erste Bank Polska (LTS:0DVR) has a Scaled Net Operating Assets of 0.12 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 Erste Bank Polska and its competitors.
Is Erste Bank Polska's Scaled Net Operating Assets too high?
Erste Bank Polska's current Scaled Net Operating Assets is 0.12. Overall, Erste Bank Polska has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's Scaled Net Operating Assets compare to PNC?
Erste Bank Polska's Scaled Net Operating Assets of 0.12 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 Erste Bank Polska and its competitors. Erste Bank Polska's current Scaled Net Operating Assets is 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Erste Bank Polska (LTS:0DVR) has a current Scaled Net Operating Assets of 0.12. The stock's GF Value™ is zł316.76, compared to a current price of zł395.55 — trading 24.9% above its estimated fair value. The current Scaled Net Operating Assets is 0.12. Erste Bank Polska's overall GF Score™ is 78/100 with 9 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 Erste Bank Polska (LTS:0DVR), the current Scaled Net Operating Assets is 0.12 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 Erste Bank Polska (LTS:0DVR) Overvalued in 2026?

Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued. The current stock price of zł395.55 is trading 24.9% above its estimated GF Value™ of zł316.76.

Key valuation signals for LTS:0DVR:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: zł316.76 vs. price of zł395.55 (24.9% above fair value)
  • GF Score™: 78/100 with 9 warning signs

No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Erste Bank Polska Business Description

Address Plac Europejski 3A, Warszawa, POL, 00-854
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
78GF 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.

zł395.55
Price
zł316.76
GF Value