Bankint Petersburg PJSC (MIC:BSPB) Scaled Net Operating Assets: 0.08 (As of Mar. 2026)


MIC:BSPB Bank Saint Petersburg PJSC MIC:BSPB
21 GF Score
Price ₽255.33
GF Value ₽389.38
Valuation Possible Value Trap
! 4 Warning Signs
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What is Bankint Petersburg PJSC Scaled Net Operating Assets?

Bankint Petersburg PJSC MIC:BSPB +1.32% 21 Scaled Net Operating Assets is 0.08 as of Mar. 2026. GuruFocus rates MIC:BSPB with a GF Score™ of 21/100 and a GF Value™ of ₽389.38 (Possible Value Trap). The stock has 4 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.

Bankint Petersburg PJSC's operating assets for the quarter that ended in Mar. 2026 was ₽1,258,342 Mil. Bankint Petersburg PJSC's operating liabilities for the quarter that ended in Mar. 2026 was ₽1,160,187 Mil. Bankint Petersburg PJSC's Total Assets for the quarter that ended in Dec. 2025 was ₽1,305,759 Mil. Therefore, Bankint Petersburg PJSC's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.08.

MIC:BSPB
21GF Score
Bank Saint Petersburg PJSC MIC:BSPB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bankint Petersburg PJSC 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.

Bankint Petersburg PJSC'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 )
=(1222921-1081734)/1137432
=0.12

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1305759 - 82838
=1222921

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1088329 - 6595 - 0
=1081734

Bankint Petersburg PJSC'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 )
=(1258342-1160187)/1305759
=0.08

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1392751 - 134409
=1258342

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1164924 - 4737 - 0
=1160187

* 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 0.08 mean?
Bankint Petersburg PJSC (MIC:BSPB) has a Scaled Net Operating Assets of 0.08 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 Bankint Petersburg PJSC and its competitors.
Is Bankint Petersburg PJSC's Scaled Net Operating Assets too high?
Bankint Petersburg PJSC's current Scaled Net Operating Assets is 0.08. Overall, Bankint Petersburg PJSC has a GF Score™ of 21/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bankint Petersburg PJSC's Scaled Net Operating Assets compare to PNC and USB?
Bankint Petersburg PJSC's Scaled Net Operating Assets of 0.08 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 Bankint Petersburg PJSC and its competitors. Bankint Petersburg PJSC's current Scaled Net Operating Assets is 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bankint Petersburg PJSC stock overvalued right now?
Based on GuruFocus' analysis, Bankint Petersburg PJSC (MIC:BSPB) is currently considered Possible Value Trap. The stock's GF Value™ is ₽389.38, compared to a current price of ₽255.33 — trading 34.4% below its estimated fair value. The current Scaled Net Operating Assets is 0.08. Bankint Petersburg PJSC's overall GF Score™ is 21/100 with 4 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 Bankint Petersburg PJSC (MIC:BSPB), the current Scaled Net Operating Assets is 0.08 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 Bankint Petersburg PJSC (MIC:BSPB) Overvalued in 2026?

Based on GuruFocus' analysis, Bankint Petersburg PJSC stock appears to be undervalued. The current stock price of ₽255.33 is trading 34.4% below its estimated GF Value™ of ₽389.38. GuruFocus considers Bankint Petersburg PJSC to be Possible Value Trap.

Key valuation signals for MIC:BSPB:

  • Scaled Net Operating Assets: 0.08
  • GF Value™: ₽389.38 vs. price of ₽255.33 (34.4% below fair value)
  • GF Score™: 21/100 with 4 warning signs

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

Bankint Petersburg PJSC Business Description

Address 64A, Malookhtinsky Prospect, Saint Petersburg, RUS, 195112
Bank Saint Petersburg PJSC is a Russian privately-owned commercial bank. The Bank operates in three segments: Corporate Banking; Operation on Financial Markets, and Retail Banking. The Corporate banking segment offers settlement and current accounts, deposits, credit lines, loans, foreign currency transactions with commercial and state entities. The Operation on Financial Markets segment consists of financial instruments trading, loans, and deposits on the interbank market, dealing in foreign exchange and derivative financial instruments. The Retail banking segment private baing services, customer current accounts, retail investment products, card services, mortgages, and other loan services. The Corporate banking segment generates nearly half of the company's revenue.
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.

₽255.33
Price
₽389.38
GF Value