LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Scaled Net Operating Assets: -0.14 (As of Dec. 2025)


NSA:LIVINGTRUST LivingTrust Mortgage Bank PLC NSA:LIVINGTRUST
62 GF Score
Price ₦3.39
GF Value ₦6.01
Valuation Significantly Undervalued
! 3 Warning Signs
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What is LivingTrust Mortgage Bank Scaled Net Operating Assets?

LivingTrust Mortgage Bank NSA:LIVINGTRUST -9.84% 62 Scaled Net Operating Assets is -0.14 as of Dec. 2025. GuruFocus rates NSA:LIVINGTRUST with a GF Score™ of 62/100 and a GF Value™ of ₦6.01 (Significantly Undervalued). 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.

LivingTrust Mortgage Bank's operating assets for the quarter that ended in Dec. 2025 was ₦21,238 Mil. LivingTrust Mortgage Bank's operating liabilities for the quarter that ended in Dec. 2025 was ₦25,352 Mil. LivingTrust Mortgage Bank's Total Assets for the quarter that ended in Sep. 2025 was ₦29,529 Mil. Therefore, LivingTrust Mortgage Bank's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.14.

NSA:LIVINGTRUST
62GF Score
LivingTrust Mortgage Bank PLC NSA:LIVINGTRUST
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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LivingTrust Mortgage 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.

LivingTrust Mortgage 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 )
=(21238.1-25351.53)/24046.193
=-0.17

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=32739.993 - 11501.893
=21238.1

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=27687.781 - 2336.251 - 0
=25351.53

LivingTrust Mortgage Bank'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: Sep. 2025 )
=(21238.1-25351.53)/29528.654
=-0.14

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=32739.993 - 11501.893
=21238.1

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=27687.781 - 2336.251 - 0
=25351.53

* 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?
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a Scaled Net Operating Assets of -0.14 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 LivingTrust Mortgage Bank and its competitors.
Is LivingTrust Mortgage Bank's Scaled Net Operating Assets too high?
LivingTrust Mortgage Bank's current Scaled Net Operating Assets is -0.14. Overall, LivingTrust Mortgage Bank has a GF Score™ of 62/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LivingTrust Mortgage Bank's Scaled Net Operating Assets compare to RKT and FNMA?
LivingTrust Mortgage Bank'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 LivingTrust Mortgage Bank and its competitors. LivingTrust Mortgage Bank'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 LivingTrust Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, LivingTrust Mortgage Bank (NSA:LIVINGTRUST) is currently considered Significantly Undervalued. The stock's GF Value™ is ₦6.01, compared to a current price of ₦3.39 — trading 43.6% below its estimated fair value. The current Scaled Net Operating Assets is -0.14. LivingTrust Mortgage Bank's overall GF Score™ is 62/100 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 LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current Scaled Net Operating Assets is -0.14 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 LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Overvalued in 2026?

Based on GuruFocus' analysis, LivingTrust Mortgage Bank stock appears to be undervalued. The current stock price of ₦3.39 is trading 43.6% below its estimated GF Value™ of ₦6.01. GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.

Key valuation signals for NSA:LIVINGTRUST:

  • Scaled Net Operating Assets: -0.14
  • GF Value™: ₦6.01 vs. price of ₦3.39 (43.6% below fair value)
  • GF Score™: 62/100 with 3 warning signs

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

LivingTrust Mortgage Bank Business Description

Address Gbongan Road, Km 2, Osun State, Osogbo, NGA, 4488
LivingTrust Mortgage Bank PLC is a Nigerian mortgage banking institution, with its principal business being the provision of mortgage banking and related financial intermediation services. The Bank operates as a single reportable business segment focused on mortgage banking and construction finance in accordance with Central Bank of Nigeria guidelines. Its products include mortgages and loans, as well as other banking services. The Bank provides services to individual, group, and corporate customers, including mortgage loan origination, housing finance, and financial support for micro, small, and medium-sized enterprises as part of its financial inclusion mandate.
62GF Score

Get the complete analysis for NSA:LIVINGTRUST

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

₦3.39
Price
₦6.01
GF Value