Credito RealB de CV Sofom ER (MEX:CREAL) Scaled Net Operating Assets: 0.95 (As of Sep. 2021)


MEX:CREAL Credito Real SAB de CV Sofom ER MEX:CREAL
8 GF Score
Price MXN0.35
View Full Analysis

What is Credito RealB de CV Sofom ER Scaled Net Operating Assets?

Credito RealB de CV Sofom ER MEX:CREAL 8 Scaled Net Operating Assets is 0.95 as of Sep. 2021. GuruFocus rates MEX:CREAL with a GF Score™ of 8/100.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Credito RealB de CV Sofom ER's operating assets for the quarter that ended in Sep. 2021 was MXN76,155 Mil. Credito RealB de CV Sofom ER's operating liabilities for the quarter that ended in Sep. 2021 was MXN3,736 Mil. Credito RealB de CV Sofom ER's Total Assets for the quarter that ended in Jun. 2021 was MXN76,232 Mil. Therefore, Credito RealB de CV Sofom ER's scaled net operating assets (SNOA) for the quarter that ended in Sep. 2021 was 0.95.

MEX:CREAL
8GF Score
Credito Real SAB de CV Sofom ER MEX:CREAL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Credito RealB de CV Sofom ER 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.

Credito RealB de CV Sofom ER's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2020 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2020 )
=(Operating Assets (A: Dec. 2020 )-Operating Liabilities (A: Dec. 2020 ))/Total Assets (A: Dec. 2019 )
=(69215.049-4422.236)/61591.692
=1.05

where

Operating Assets(A: Dec. 2020 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=70316.87 - 1101.821
=69215.049

Operating Liabilities(A: Dec. 2020 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=54248.354 - 49826.118 - 0
=4422.236

Credito RealB de CV Sofom ER's Scaled Net Operating Assets (SNOA) for the quarter that ended in Sep. 2021 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Sep. 2021 )
=(Operating Assets (Q: Sep. 2021 )-Operating Liabilities (Q: Sep. 2021 ))/Total Assets (Q: Jun. 2021 )
=(76154.9-3736.1)/76232.457
=0.95

where

Operating Assets(Q: Sep. 2021 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=77065.6 - 910.7
=76154.9

Operating Liabilities(Q: Sep. 2021 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=58577.8 - 54841.7 - 0
=3736.1

* 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 0.95 mean?
Credito RealB de CV Sofom ER (MEX:CREAL) has a Scaled Net Operating Assets of 0.95 as of Sep. 2021. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Credito RealB de CV Sofom ER and its competitors.
Is Credito RealB de CV Sofom ER's Scaled Net Operating Assets too high?
Credito RealB de CV Sofom ER's current Scaled Net Operating Assets is 0.95. Overall, Credito RealB de CV Sofom ER has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Credito RealB de CV Sofom ER's Scaled Net Operating Assets compare to V and MA?
Credito RealB de CV Sofom ER's Scaled Net Operating Assets of 0.95 can be compared against companies in the Credit Services 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 Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services 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 Credito RealB de CV Sofom ER and its competitors. Credito RealB de CV Sofom ER's current Scaled Net Operating Assets is 0.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credito RealB de CV Sofom ER stock overvalued right now?
Credito RealB de CV Sofom ER (MEX:CREAL) has a current Scaled Net Operating Assets of 0.95. The current Scaled Net Operating Assets is 0.95. Credito RealB de CV Sofom ER's overall GF Score™ is 8/100. 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 Credito RealB de CV Sofom ER (MEX:CREAL), the current Scaled Net Operating Assets is 0.95 as of Sep. 2021. 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.

Credito RealB de CV Sofom ER Business Description

Address Avenida Insurgentes Sur No. 730, 20th Floor, Colonia Del Valle Norte, Del Benito Juarez, Mexico, MEX, MEX, 03103
Credito Real SAB de CV Sofom ER is a nonbanking financial institution in Mexico that focuses on consumer lending to low-income and middle-income customers. The company mainly makes payroll loans, durable goods loans, small business loans, group loans, and used-car loans.
8GF Score

Get the complete analysis for MEX:CREAL

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

MXN0.35
Price