Diamond Trust Bank (NAI:DTK) Scaled Net Operating Assets: 0.02 (As of Mar. 2026)

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NAI:DTK Diamond Trust Bank Ltd NAI:DTK
68 GF Score
Price KES154.00
GF Value KES72.75
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Diamond Trust Bank Scaled Net Operating Assets?

Diamond Trust Bank NAI:DTK +2.16% 68 Scaled Net Operating Assets is 0.02 as of Mar. 2026. GuruFocus rates NAI:DTK with a GF Score™ of 68/100 and a GF Value™ of KES72.75 (Significantly Overvalued). The stock has 3 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.

Diamond Trust Bank's operating assets for the quarter that ended in Mar. 2026 was KES551,350 Mil. Diamond Trust Bank's operating liabilities for the quarter that ended in Mar. 2026 was KES538,589 Mil. Diamond Trust Bank's Total Assets for the quarter that ended in Dec. 2025 was KES659,118 Mil. Therefore, Diamond Trust Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.02.

NAI:DTK
68GF Score
Diamond Trust Bank Ltd NAI:DTK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Diamond Trust Bank 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.

Diamond Trust Bank'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 )
=(545372.726-540094.172)/573886.914
=0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=659118.478 - 113745.752
=545372.726

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=546079.51 - 5985.338 - 0
=540094.172

Diamond Trust Bank'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 )
=(551350.001-538588.555)/659118.478
=0.02

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=660933.003 - 109583.002
=551350.001

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=543241.812 - 4653.257 - 0
=538588.555

* 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 0.02 mean?
Diamond Trust Bank (NAI:DTK) has a Scaled Net Operating Assets of 0.02 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 Diamond Trust Bank and its competitors.
Is Diamond Trust Bank's Scaled Net Operating Assets too high?
Diamond Trust Bank's current Scaled Net Operating Assets is 0.02. Overall, Diamond Trust Bank has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Diamond Trust Bank's Scaled Net Operating Assets compare to PNC and USB?
Diamond Trust Bank's Scaled Net Operating Assets of 0.02 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 Diamond Trust Bank and its competitors. Diamond Trust Bank's current Scaled Net Operating Assets is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Diamond Trust Bank stock overvalued right now?
Based on GuruFocus' analysis, Diamond Trust Bank (NAI:DTK) is currently considered Significantly Overvalued. The stock's GF Value™ is KES72.75, compared to a current price of KES154.00 — trading 111.7% above its estimated fair value. The current Scaled Net Operating Assets is 0.02. Diamond Trust Bank's overall GF Score™ is 68/100 with 3 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 Diamond Trust Bank (NAI:DTK), the current Scaled Net Operating Assets is 0.02 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 Diamond Trust Bank (NAI:DTK) Overvalued in 2026?

Based on GuruFocus' analysis, Diamond Trust Bank stock appears to be overvalued. The current stock price of KES154.00 is trading 111.7% above its estimated GF Value™ of KES72.75. GuruFocus considers Diamond Trust Bank to be Significantly Overvalued.

Key valuation signals for NAI:DTK:

  • Scaled Net Operating Assets: 0.02
  • GF Value™: KES72.75 vs. price of KES154.00 (111.7% above fair value)
  • GF Score™: 68/100 with 3 warning signs

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

Diamond Trust Bank Business Description

Address Mombasa Road, DTB Centre, P.O. Box 61711, Nairobi, KEN, 00200
Diamond Trust Bank Ltd is a regional bank that provides banking, insurance agency, and other related services to the general public. It offers various banking services, including corporate, retail, and commercial. The company focuses on the small and medium-sized enterprises sector. It has four business segments: Diamond Trust Bank Tanzania Limited, Diamond Trust Bank Uganda Limited, Diamond Trust Bank Burundi S.A, and Kenya. The Trust's majority of revenue is generated from its home country, Kenya.
68GF Score

Get the complete analysis for NAI:DTK

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

KES154.00
Price
KES72.75
GF Value