Co-operative Bank of Kenya (NAI:COOP) Scaled Net Operating Assets: 0.14 (As of Mar. 2026)

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NAI:COOP Co-operative Bank of Kenya Ltd NAI:COOP
58 GF Score
Price KES36.90
GF Value KES18.24
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Co-operative Bank of Kenya Scaled Net Operating Assets?

Co-operative Bank of Kenya NAI:COOP +0.54% 58 Scaled Net Operating Assets is 0.14 as of Mar. 2026. GuruFocus rates NAI:COOP with a GF Score™ of 58/100 and a GF Value™ of KES18.24 (Significantly Overvalued). The stock has 5 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.

Co-operative Bank of Kenya's operating assets for the quarter that ended in Mar. 2026 was KES763,883 Mil. Co-operative Bank of Kenya's operating liabilities for the quarter that ended in Mar. 2026 was KES648,308 Mil. Co-operative Bank of Kenya's Total Assets for the quarter that ended in Dec. 2025 was KES827,352 Mil. Therefore, Co-operative Bank of Kenya's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.14.

NAI:COOP
58GF Score
Co-operative Bank of Kenya Ltd NAI:COOP
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Co-operative Bank of Kenya 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.

Co-operative Bank of Kenya'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 )
=(725000.15-606425.003)/743190.14
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=827352.328 - 102352.178
=725000.15

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=661642.936 - 55217.933 - 0
=606425.003

Co-operative Bank of Kenya'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 )
=(763882.57-648308.374)/827352.328
=0.14

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=884570.043 - 120687.473
=763882.57

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=710473.972 - 62165.598 - 0
=648308.374

* 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 0.14 mean?
Co-operative Bank of Kenya (NAI:COOP) has a Scaled Net Operating Assets of 0.14 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 Co-operative Bank of Kenya and its competitors.
Is Co-operative Bank of Kenya's Scaled Net Operating Assets too high?
Co-operative Bank of Kenya's current Scaled Net Operating Assets is 0.14. Overall, Co-operative Bank of Kenya has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Co-operative Bank of Kenya's Scaled Net Operating Assets compare to competitors?
Co-operative Bank of Kenya's Scaled Net Operating Assets of 0.14 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 Co-operative Bank of Kenya and its competitors. Co-operative Bank of Kenya's current Scaled Net Operating Assets is 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Co-operative Bank of Kenya stock overvalued right now?
Based on GuruFocus' analysis, Co-operative Bank of Kenya (NAI:COOP) is currently considered Significantly Overvalued. The stock's GF Value™ is KES18.24, compared to a current price of KES36.90 — trading 102.3% above its estimated fair value. The current Scaled Net Operating Assets is 0.14. Co-operative Bank of Kenya's overall GF Score™ is 58/100 with 5 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 Co-operative Bank of Kenya (NAI:COOP), the current Scaled Net Operating Assets is 0.14 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 Co-operative Bank of Kenya (NAI:COOP) Overvalued in 2026?

Based on GuruFocus' analysis, Co-operative Bank of Kenya stock appears to be overvalued. The current stock price of KES36.90 is trading 102.3% above its estimated GF Value™ of KES18.24. GuruFocus considers Co-operative Bank of Kenya to be Significantly Overvalued.

Key valuation signals for NAI:COOP:

  • Scaled Net Operating Assets: 0.14
  • GF Value™: KES18.24 vs. price of KES36.90 (102.3% above fair value)
  • GF Score™: 58/100 with 5 warning signs

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

Co-operative Bank of Kenya Business Description

Address Haile Selassie Avenue, P.O. Box 48231, Co-operative Bank House, L.R. No. 209/4290 (IR No. 27596), Nairobi, KEN, 00100
Co-operative Bank of Kenya Ltd is engaged in corporate banking, retail banking, investment, and asset management services in Kenya. The Bank is organized into three main operating segments based on products and services as, Retail Banking, which includes loans, deposits, and other transactions and balances with retail customers; Wholesale Banking, which includes loans, deposits, and other transactions and balances with corporate and institutional customers; and Group Functions, which mainly comprises of support departments such as ICT, Finance and shared services among others. It generates the majority of its revenue from Retail Banking. The group's operations are within the two geographical segments of Kenya and South Sudan.
58GF Score

Get the complete analysis for NAI:COOP

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

KES36.90
Price
KES18.24
GF Value