Bien Sparebank ASA (OSL:BIEN) Scaled Net Operating Assets: 0.34 (As of Mar. 2026)


OSL:BIEN Bien Sparebank ASA OSL:BIEN
67 GF Score
Price kr142.00
GF Value kr132.92
Valuation Fairly Valued
! 2 Warning Signs
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What is Bien Sparebank ASA Scaled Net Operating Assets?

Bien Sparebank ASA OSL:BIEN -2.07% 67 Scaled Net Operating Assets is 0.34 as of Mar. 2026. GuruFocus rates OSL:BIEN with a GF Score™ of 67/100 and a GF Value™ of kr132.92 (Fairly Valued). The stock has 2 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.

Bien Sparebank ASA's operating assets for the quarter that ended in Mar. 2026 was kr6,271.9 Mil. Bien Sparebank ASA's operating liabilities for the quarter that ended in Mar. 2026 was kr4,203.7 Mil. Bien Sparebank ASA's Total Assets for the quarter that ended in Dec. 2025 was kr6,132.7 Mil. Therefore, Bien Sparebank ASA's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.34.

OSL:BIEN
67GF Score
Bien Sparebank ASA OSL:BIEN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bien Sparebank ASA 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.

Bien Sparebank ASA'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 )
=(6059.128-3963.948)/5453.329
=0.38

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=6132.678 - 73.55
=6059.128

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5361.892 - 1397.944 - 0
=3963.948

Bien Sparebank ASA'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 )
=(6271.883-4203.742)/6132.678
=0.34

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=6345.584 - 73.701
=6271.883

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5563.116 - 1359.374 - 0
=4203.742

* 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 0.34 mean?
Bien Sparebank ASA (OSL:BIEN) has a Scaled Net Operating Assets of 0.34 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 Bien Sparebank ASA and its competitors.
Is Bien Sparebank ASA's Scaled Net Operating Assets too high?
Bien Sparebank ASA's current Scaled Net Operating Assets is 0.34. Overall, Bien Sparebank ASA has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bien Sparebank ASA's Scaled Net Operating Assets compare to competitors?
Bien Sparebank ASA's Scaled Net Operating Assets of 0.34 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 Bien Sparebank ASA and its competitors. Bien Sparebank ASA's current Scaled Net Operating Assets is 0.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bien Sparebank ASA stock overvalued right now?
Based on GuruFocus' analysis, Bien Sparebank ASA (OSL:BIEN) is currently considered Fairly Valued. The stock's GF Value™ is kr132.92, compared to a current price of kr142.00 — trading 6.8% above its estimated fair value. The current Scaled Net Operating Assets is 0.34. Bien Sparebank ASA's overall GF Score™ is 67/100 with 2 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 Bien Sparebank ASA (OSL:BIEN), the current Scaled Net Operating Assets is 0.34 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 Bien Sparebank ASA (OSL:BIEN) Overvalued in 2026?

Based on GuruFocus' analysis, Bien Sparebank ASA stock appears to be overvalued. The current stock price of kr142.00 is trading 6.8% above its estimated GF Value™ of kr132.92. GuruFocus considers Bien Sparebank ASA to be Fairly Valued.

Key valuation signals for OSL:BIEN:

  • Scaled Net Operating Assets: 0.34
  • GF Value™: kr132.92 vs. price of kr142.00 (6.8% above fair value)
  • GF Score™: 67/100 with 2 warning signs

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

Bien Sparebank ASA Business Description

Other Exchanges JX0:Germany
Address Dronning Mauds gate 11, Oslo, NOR, 0250
Bien Sparebank ASA is a independent savings bank. It is a close and accessible bank for individuals and businesses in the Oslo area. The company offers various services namely daily banking, saving, pension, insurance and others.
67GF 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.

kr142.00
Price
kr132.92
GF Value