HSBC Bank Malta (MAL:HSB) Scaled Net Operating Assets: -0.06 (As of Dec. 2025)


MAL:HSB HSBC Bank Malta PLC MAL:HSB
53 GF Score
Price €1.42
GF Value €1.31
Valuation Fairly Valued
! 6 Warning Signs
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What is HSBC Bank Malta Scaled Net Operating Assets?

HSBC Bank Malta MAL:HSB -0.70% 53 Scaled Net Operating Assets is -0.06 as of Dec. 2025. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.31 (Fairly Valued). The stock has 6 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.

HSBC Bank Malta's operating assets for the quarter that ended in Dec. 2025 was €6,853.4 Mil. HSBC Bank Malta's operating liabilities for the quarter that ended in Dec. 2025 was €7,308.4 Mil. HSBC Bank Malta's Total Assets for the quarter that ended in Jun. 2025 was €7,900.5 Mil. Therefore, HSBC Bank Malta's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.06.

MAL:HSB
53GF Score
HSBC Bank Malta PLC MAL:HSB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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HSBC Bank Malta 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.

HSBC Bank Malta'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 )
=(6853.395-7308.407)/7741.726
=-0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8151.127 - 1297.732
=6853.395

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7525.571 - 217.164 - 0
=7308.407

HSBC Bank Malta'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 )
=(6853.395-7308.407)/7900.477
=-0.06

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8151.127 - 1297.732
=6853.395

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7525.571 - 217.164 - 0
=7308.407

* 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 -0.06 mean?
HSBC Bank Malta (MAL:HSB) has a Scaled Net Operating Assets of -0.06 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 HSBC Bank Malta and its competitors.
Is HSBC Bank Malta's Scaled Net Operating Assets too high?
HSBC Bank Malta's current Scaled Net Operating Assets is -0.06. Overall, HSBC Bank Malta has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HSBC Bank Malta's Scaled Net Operating Assets compare to PNC and USB?
HSBC Bank Malta's Scaled Net Operating Assets of -0.06 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 HSBC Bank Malta and its competitors. HSBC Bank Malta's current Scaled Net Operating Assets is -0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HSBC Bank Malta stock overvalued right now?
Based on GuruFocus' analysis, HSBC Bank Malta (MAL:HSB) is currently considered Fairly Valued. The stock's GF Value™ is €1.31, compared to a current price of €1.42 — trading 8.4% above its estimated fair value. The current Scaled Net Operating Assets is -0.06. HSBC Bank Malta's overall GF Score™ is 53/100 with 6 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 HSBC Bank Malta (MAL:HSB), the current Scaled Net Operating Assets is -0.06 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 HSBC Bank Malta (MAL:HSB) Overvalued in 2026?

Based on GuruFocus' analysis, HSBC Bank Malta stock appears to be overvalued. The current stock price of €1.42 is trading 8.4% above its estimated GF Value™ of €1.31. GuruFocus considers HSBC Bank Malta to be Fairly Valued.

Key valuation signals for MAL:HSB:

  • Scaled Net Operating Assets: -0.06
  • GF Value™: €1.31 vs. price of €1.42 (8.4% above fair value)
  • GF Score™: 53/100 with 6 warning signs

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

HSBC Bank Malta Business Description

Address 116 Archbishop Street, Valletta, MLT, VLT 1444
HSBC Bank Malta PLC is a member of the HSBC Group. The Bank provides a comprehensive range of financial services designed to meet the expanding requirements of its large client base of personal and corporate customers. The company's operating segments include Wealth and Personal Banking, Commercial Banking, and Global Markets. It derives maximum revenue from the Wealth and Personal Banking segment, which caters to individual customers, offering personal banking products (current and savings accounts, mortgages and personal loans, credit cards, debit cards, etc.) and wealth management services (insurance and investment products, asset management services, and financial planning services).
53GF 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.

€1.42
Price
€1.31
GF Value