Punjab & Sind Bank (NSE:PSB) Scaled Net Operating Assets: 0.15 (As of Mar. 2026)


NSE:PSB Punjab & Sind Bank NSE:PSB
48 GF Score
Price ₹24.58
GF Value ₹54.39
Valuation Possible Value Trap
! 3 Warning Signs
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What is Punjab & Sind Bank Scaled Net Operating Assets?

Punjab & Sind Bank NSE:PSB +1.40% 48 Scaled Net Operating Assets is 0.15 as of Mar. 2026. GuruFocus rates NSE:PSB with a GF Score™ of 48/100 and a GF Value™ of ₹54.39 (Possible Value Trap). 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.

Punjab & Sind Bank's operating assets for the quarter that ended in Mar. 2026 was ₹1,729,711 Mil. Punjab & Sind Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₹1,487,856 Mil. Punjab & Sind Bank's Total Assets for the quarter that ended in Sep. 2025 was ₹1,653,416 Mil. Therefore, Punjab & Sind Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.15.

NSE:PSB
48GF Score
Punjab & Sind Bank NSE:PSB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Punjab & Sind 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.

Punjab & Sind 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 )
=(1729710.5-1487855.7)/1618151.68
=0.15

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1792703.1 - 62992.6
=1729710.5

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1651378.9 - 163523.2 - 0
=1487855.7

Punjab & Sind 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: Sep. 2025 )
=(1729710.5-1487855.7)/1653415.6
=0.15

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1792703.1 - 62992.6
=1729710.5

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1651378.9 - 163523.2 - 0
=1487855.7

* 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 0.15 mean?
Punjab & Sind Bank (NSE:PSB) has a Scaled Net Operating Assets of 0.15 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 Punjab & Sind Bank and its competitors.
Is Punjab & Sind Bank's Scaled Net Operating Assets too high?
Punjab & Sind Bank's current Scaled Net Operating Assets is 0.15. Overall, Punjab & Sind Bank has a GF Score™ of 48/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Punjab & Sind Bank's Scaled Net Operating Assets compare to competitors?
Punjab & Sind Bank's Scaled Net Operating Assets of 0.15 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 Punjab & Sind Bank and its competitors. Punjab & Sind Bank's current Scaled Net Operating Assets is 0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Punjab & Sind Bank stock overvalued right now?
Based on GuruFocus' analysis, Punjab & Sind Bank (NSE:PSB) is currently considered Possible Value Trap. The stock's GF Value™ is ₹54.39, compared to a current price of ₹24.58 — trading 54.8% below its estimated fair value. The current Scaled Net Operating Assets is 0.15. Punjab & Sind Bank's overall GF Score™ is 48/100 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 Punjab & Sind Bank (NSE:PSB), the current Scaled Net Operating Assets is 0.15 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 Punjab & Sind Bank (NSE:PSB) Overvalued in 2026?

Based on GuruFocus' analysis, Punjab & Sind Bank stock appears to be undervalued. The current stock price of ₹24.58 is trading 54.8% below its estimated GF Value™ of ₹54.39. GuruFocus considers Punjab & Sind Bank to be Possible Value Trap.

Key valuation signals for NSE:PSB:

  • Scaled Net Operating Assets: 0.15
  • GF Value™: ₹54.39 vs. price of ₹24.58 (54.8% below fair value)
  • GF Score™: 48/100 with 3 warning signs

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

Punjab & Sind Bank Business Description

Other Exchanges 533295:India
Address 21, Rajendra Place, Bank House, 1st Floor, New Delhi, IND, 110008
Punjab & Sind Bank is an Indian banking firm, which provides international and domestic banking products and services. Its business segments include Treasury, Corporate/ Wholesale Banking, Retail Banking, and Other Banking Operations. The majority of its revenue is generated from the Retail Banking segment. Its products consist of current accounts, savings accounts, mobile banking, corporate, Internet banking, retail loans, and others.
48GF Score

Get the complete analysis for NSE:PSB

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

₹24.58
Price
₹54.39
GF Value