Bank of Valletta (MAL:BOV) Scaled Net Operating Assets: 0.09 (As of Dec. 2025)


MAL:BOV Bank of Valletta PLC MAL:BOV
41 GF Score
Price €2.13
GF Value €1.80
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Bank of Valletta Scaled Net Operating Assets?

Bank of Valletta MAL:BOV +0.47% 41 Scaled Net Operating Assets is 0.09 as of Dec. 2025. GuruFocus rates MAL:BOV with a GF Score™ of 41/100 and a GF Value™ of €1.80 (Modestly Overvalued). 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.

Bank of Valletta's operating assets for the quarter that ended in Dec. 2025 was €15,604.9 Mil. Bank of Valletta's operating liabilities for the quarter that ended in Dec. 2025 was €14,134.0 Mil. Bank of Valletta's Total Assets for the quarter that ended in Jun. 2025 was €15,910.9 Mil. Therefore, Bank of Valletta's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.09.

MAL:BOV
41GF Score
Bank of Valletta PLC MAL:BOV
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Valletta 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 Valletta'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 )
=(15604.925-14134.046)/15099.099
=0.10

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=16530.323 - 925.398
=15604.925

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=15033.349 - 899.303 - 0
=14134.046

Bank of Valletta'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 )
=(15604.925-14134.046)/15910.939
=0.09

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=16530.323 - 925.398
=15604.925

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=15033.349 - 899.303 - 0
=14134.046

* 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 0.09 mean?
Bank of Valletta (MAL:BOV) has a Scaled Net Operating Assets of 0.09 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 Bank of Valletta and its competitors.
Is Bank of Valletta's Scaled Net Operating Assets too high?
Bank of Valletta's current Scaled Net Operating Assets is 0.09. Overall, Bank of Valletta has a GF Score™ of 41/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Valletta's Scaled Net Operating Assets compare to PNC and USB?
Bank of Valletta's Scaled Net Operating Assets of 0.09 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 Valletta and its competitors. Bank of Valletta's current Scaled Net Operating Assets is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Valletta stock overvalued right now?
Based on GuruFocus' analysis, Bank of Valletta (MAL:BOV) is currently considered Modestly Overvalued. The stock's GF Value™ is €1.80, compared to a current price of €2.13 — trading 18.3% above its estimated fair value. The current Scaled Net Operating Assets is 0.09. Bank of Valletta's overall GF Score™ is 41/100 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 Bank of Valletta (MAL:BOV), the current Scaled Net Operating Assets is 0.09 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 Bank of Valletta (MAL:BOV) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Valletta stock appears to be overvalued. The current stock price of €2.13 is trading 18.3% above its estimated GF Value™ of €1.80. GuruFocus considers Bank of Valletta to be Modestly Overvalued.

Key valuation signals for MAL:BOV:

  • Scaled Net Operating Assets: 0.09
  • GF Value™: €1.80 vs. price of €2.13 (18.3% above fair value)
  • GF Score™: 41/100 with 9 warning signs

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

Bank of Valletta Business Description

Address 58, Triq San Zakkarija, Il-Belt, Valletta, MLT, VLT 1130
Bank of Valletta PLC, along with its subsidiaries, carries out the business of banking and investment services. It offers the entire range of retail banking services as well as the sale of financial products such as units in collective investment schemes. Additionally, the Group offers investment banking services, including underwriting and management of Initial Public Offerings (IPOs). Its reportable segments are: Retail Banking, Wealth Management, Business Banking, Treasury, and Others. Maximum revenue is generated from the Business Banking segment, which includes financing and deposit products for all business client segments attributable to business and corporate centers. The Group caters to both individuals and business clients in Malta.
41GF 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.

€2.13
Price
€1.80
GF Value