Artea Bankas AB (OVSE:ROE1L) Scaled Net Operating Assets: 0.21 (As of Mar. 2026)


OVSE:ROE1L Artea Bankas AB OVSE:ROE1L
12 GF Score
Price €0.90
GF Value €0.79
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Artea Bankas AB Scaled Net Operating Assets?

Artea Bankas AB OVSE:ROE1L -0.33% 12 Scaled Net Operating Assets is 0.21 as of Mar. 2026. GuruFocus rates OVSE:ROE1L with a GF Score™ of 12/100 and a GF Value™ of €0.79 (Modestly Overvalued). The stock has 6 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.

Artea Bankas AB's operating assets for the quarter that ended in Mar. 2026 was €5,729.8 Mil. Artea Bankas AB's operating liabilities for the quarter that ended in Mar. 2026 was €4,463.6 Mil. Artea Bankas AB's Total Assets for the quarter that ended in Dec. 2025 was €6,075.5 Mil. Therefore, Artea Bankas AB's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.21.

OVSE:ROE1L
12GF Score
Artea Bankas AB OVSE:ROE1L
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Artea Bankas AB 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.

Artea Bankas AB'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 )
=(5678.898-4432.294)/4922.619
=0.25

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=6075.47 - 396.572
=5678.898

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5472.413 - 1040.119 - 0
=4432.294

Artea Bankas AB'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 )
=(5729.76-4463.598)/6075.47
=0.21

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=6091.638 - 361.878
=5729.76

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5504.922 - 1041.324 - 0
=4463.598

* 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 0.21 mean?
Artea Bankas AB (OVSE:ROE1L) has a Scaled Net Operating Assets of 0.21 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 Artea Bankas AB and its competitors.
Is Artea Bankas AB's Scaled Net Operating Assets too high?
Artea Bankas AB's current Scaled Net Operating Assets is 0.21. Overall, Artea Bankas AB has a GF Score™ of 12/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Artea Bankas AB's Scaled Net Operating Assets compare to PNC and USB?
Artea Bankas AB's Scaled Net Operating Assets of 0.21 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 Artea Bankas AB and its competitors. Artea Bankas AB's current Scaled Net Operating Assets is 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Artea Bankas AB stock overvalued right now?
Based on GuruFocus' analysis, Artea Bankas AB (OVSE:ROE1L) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.79, compared to a current price of €0.90 — trading 13.4% above its estimated fair value. The current Scaled Net Operating Assets is 0.21. Artea Bankas AB's overall GF Score™ is 12/100 with 6 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 Artea Bankas AB (OVSE:ROE1L), the current Scaled Net Operating Assets is 0.21 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 Artea Bankas AB (OVSE:ROE1L) Overvalued in 2026?

Based on GuruFocus' analysis, Artea Bankas AB stock appears to be overvalued. The current stock price of €0.90 is trading 13.4% above its estimated GF Value™ of €0.79. GuruFocus considers Artea Bankas AB to be Modestly Overvalued.

Key valuation signals for OVSE:ROE1L:

  • Scaled Net Operating Assets: 0.21
  • GF Value™: €0.79 vs. price of €0.90 (13.4% above fair value)
  • GF Score™: 12/100 with 6 warning signs

No single metric tells the full story. See the OVSE:ROE1L stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Artea Bankas AB Business Description

Other Exchanges 0KC0:UKZH5:Germany
Address Tilzes Street 149, Siauliai, LTU, LT-76348
Artea Bankas AB provides daily finances to small and medium-sized businesses. It performs all banking operations including accepting deposits, issuing loans, money transfers and documentary settlements, exchanging currencies for clients, issuing and processing debit and credit cards, and among others.
12GF 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.

€0.90
Price
€0.79
GF Value