Jammu & Kashmir Bank (NSE:J&KBANK) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)


NSE:J&KBANK Jammu & Kashmir Bank Ltd NSE:J&KBANK
50 GF Score
Price ₹165.20
GF Value ₹116.58
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Jammu & Kashmir Bank Scaled Net Operating Assets?

Jammu & Kashmir Bank NSE:J&KBANK +0.30% 50 Scaled Net Operating Assets is 0.07 as of Mar. 2026. GuruFocus rates NSE:J&KBANK with a GF Score™ of 50/100 and a GF Value™ of ₹116.58 (Significantly Overvalued). The stock has 7 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.

Jammu & Kashmir Bank's operating assets for the quarter that ended in Mar. 2026 was ₹1,811,045 Mil. Jammu & Kashmir Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₹1,690,290 Mil. Jammu & Kashmir Bank's Total Assets for the quarter that ended in Dec. 2025 was ₹1,772,199 Mil. Therefore, Jammu & Kashmir Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

NSE:J&KBANK
50GF Score
Jammu & Kashmir Bank Ltd NSE:J&KBANK
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Jammu & Kashmir 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.

Jammu & Kashmir Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(1811045.1-1690289.7)/1694235.371
=0.07

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1889597.5 - 78552.4
=1811045.1

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1724599.7 - 34310 - 0
=1690289.7

Jammu & Kashmir 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 )
=(1811045.1-1690289.7)/1772198.9
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1889597.5 - 78552.4
=1811045.1

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1724599.7 - 34310 - 0
=1690289.7

* 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 0.07 mean?
Jammu & Kashmir Bank (NSE:J&KBANK) has a Scaled Net Operating Assets of 0.07 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 Jammu & Kashmir Bank and its competitors.
Is Jammu & Kashmir Bank's Scaled Net Operating Assets too high?
Jammu & Kashmir Bank's current Scaled Net Operating Assets is 0.07. Overall, Jammu & Kashmir Bank has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jammu & Kashmir Bank's Scaled Net Operating Assets compare to competitors?
Jammu & Kashmir Bank's Scaled Net Operating Assets of 0.07 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 Jammu & Kashmir Bank and its competitors. Jammu & Kashmir Bank's current Scaled Net Operating Assets is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jammu & Kashmir Bank stock overvalued right now?
Based on GuruFocus' analysis, Jammu & Kashmir Bank (NSE:J&KBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹116.58, compared to a current price of ₹165.20 — trading 41.7% above its estimated fair value. The current Scaled Net Operating Assets is 0.07. Jammu & Kashmir Bank's overall GF Score™ is 50/100 with 7 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 Jammu & Kashmir Bank (NSE:J&KBANK), the current Scaled Net Operating Assets is 0.07 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 Jammu & Kashmir Bank (NSE:J&KBANK) Overvalued in 2026?

Based on GuruFocus' analysis, Jammu & Kashmir Bank stock appears to be overvalued. The current stock price of ₹165.20 is trading 41.7% above its estimated GF Value™ of ₹116.58. GuruFocus considers Jammu & Kashmir Bank to be Significantly Overvalued.

Key valuation signals for NSE:J&KBANK:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: ₹116.58 vs. price of ₹165.20 (41.7% above fair value)
  • GF Score™: 50/100 with 7 warning signs

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

Jammu & Kashmir Bank Business Description

Other Exchanges 532209:India
Address Maulana Azad Road, Srinagar, IND, 190001
Jammu & Kashmir Bank Ltd is a bank that has businesses comprised of treasury, corporate/wholesale banking, retail banking and others. The bank's personal financial products include various loan products, personal account services, term bank deposits, mutual funds, bank cards, and insurance products. The company has Four crucial business segments namely Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Business. The company generates majority of its revenue from Retail Banking segment. The bank's financial products for businesses include loans, business accounts, agriculture accounts, and others.
50GF 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.

₹165.20
Price
₹116.58
GF Value