APS Bank (MAL:APS) Scaled Net Operating Assets: 0.02 (As of Dec. 2025)


MAL:APS APS Bank Ltd MAL:APS
21 GF Score
Price €0.57
GF Value €0.61
Valuation Fairly Valued
! 7 Warning Signs
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What is APS Bank Scaled Net Operating Assets?

APS Bank MAL:APS +0.88% 21 Scaled Net Operating Assets is 0.02 as of Dec. 2025. GuruFocus rates MAL:APS with a GF Score™ of 21/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 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.

APS Bank's operating assets for the quarter that ended in Dec. 2025 was €4,243.98 Mil. APS Bank's operating liabilities for the quarter that ended in Dec. 2025 was €4,174.74 Mil. APS Bank's Total Assets for the quarter that ended in Jun. 2025 was €4,322.80 Mil. Therefore, APS Bank's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.02.

MAL:APS
21GF Score
APS Bank Ltd MAL:APS
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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APS 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.

APS 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 )
=(4243.983-4174.736)/4161.152
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4645.077 - 401.094
=4243.983

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4282.778 - 108.042 - 0
=4174.736

APS Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(4243.983-4174.736)/4322.799
=0.02

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4645.077 - 401.094
=4243.983

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=4282.778 - 108.042 - 0
=4174.736

* 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 0.02 mean?
APS Bank (MAL:APS) has a Scaled Net Operating Assets of 0.02 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on APS Bank and its competitors.
Is APS Bank's Scaled Net Operating Assets too high?
APS Bank's current Scaled Net Operating Assets is 0.02. Overall, APS Bank has a GF Score™ of 21/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's Scaled Net Operating Assets compare to PNC and USB?
APS Bank's Scaled Net Operating Assets of 0.02 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 APS Bank and its competitors. APS Bank's current Scaled Net Operating Assets is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.57 — trading 6.6% below its estimated fair value. The current Scaled Net Operating Assets is 0.02. APS Bank's overall GF Score™ is 21/100 with 7 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 APS Bank (MAL:APS), the current Scaled Net Operating Assets is 0.02 as of Dec. 2025. 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 APS Bank (MAL:APS) Overvalued in 2026?

Based on GuruFocus' analysis, APS Bank stock appears to be undervalued. The current stock price of €0.57 is trading 6.6% below its estimated GF Value™ of €0.61. GuruFocus considers APS Bank to be Fairly Valued.

Key valuation signals for MAL:APS:

  • Scaled Net Operating Assets: 0.02
  • GF Value™: €0.61 vs. price of €0.57 (6.6% below fair value)
  • GF Score™: 21/100 with 7 warning signs

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

APS Bank Business Description

Address Tower Street, APS Centre, APS Bank, Birkirkara, MLT, BKR 4012
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
21GF 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.

€0.57
Price
€0.61
GF Value