PBNNF (PT Bank Negara Indonesia (Persero) Tbk) Scaled Net Operating Assets: 0.02 (As of Mar. 2026)


PBNNF PT Bank Negara Indonesia (Persero) Tbk PBNNF
80 GF Score
Price $0.20
GF Value $0.31
! 3 Warning Signs
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What is PT Bank Negara Indonesia (Persero) Tbk Scaled Net Operating Assets?

PT Bank Negara Indonesia (Persero) Tbk PBNNF 80 Scaled Net Operating Assets is 0.02 as of Mar. 2026. GuruFocus rates PBNNF with a GF Score™ of 80/100 and a GF Value™ of $0.31. 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.

PT Bank Negara Indonesia (Persero) Tbk's operating assets for the quarter that ended in Mar. 2026 was $72,347 Mil. PT Bank Negara Indonesia (Persero) Tbk's operating liabilities for the quarter that ended in Mar. 2026 was $70,724 Mil. PT Bank Negara Indonesia (Persero) Tbk's Total Assets for the quarter that ended in Dec. 2025 was $81,525 Mil. Therefore, PT Bank Negara Indonesia (Persero) Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.02.

PBNNF
80GF Score
PT Bank Negara Indonesia (Persero) Tbk PBNNF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Negara Indonesia (Persero) Tbk 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.

PT Bank Negara Indonesia (Persero) Tbk'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 )
=(72340.091-66747.224)/70475.285
=0.08

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=81525.354 - 9185.263
=72340.091

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=70970.617 - 4223.393 - 0
=66747.224

PT Bank Negara Indonesia (Persero) Tbk'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 )
=(72347.388-70723.762)/81525.354
=0.02

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=84277.104 - 11929.716
=72347.388

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=74476.921 - 3753.159 - 0
=70723.762

* 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 0.02 mean?
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a Scaled Net Operating Assets of 0.02 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 PT Bank Negara Indonesia (Persero) Tbk and its competitors.
Is PT Bank Negara Indonesia (Persero) Tbk's Scaled Net Operating Assets too high?
PT Bank Negara Indonesia (Persero) Tbk's current Scaled Net Operating Assets is 0.02. Overall, PT Bank Negara Indonesia (Persero) Tbk has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Negara Indonesia (Persero) Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Negara Indonesia (Persero) Tbk's Scaled Net Operating Assets of 0.02 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 PT Bank Negara Indonesia (Persero) Tbk and its competitors. PT Bank Negara Indonesia (Persero) Tbk's current Scaled Net Operating Assets is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Negara Indonesia (Persero) Tbk stock overvalued right now?
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a current Scaled Net Operating Assets of 0.02. The stock's GF Value™ is $0.31, compared to a current price of $0.20 — trading 34.7% below its estimated fair value. The current Scaled Net Operating Assets is 0.02. PT Bank Negara Indonesia (Persero) Tbk's overall GF Score™ is 80/100 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 PT Bank Negara Indonesia (Persero) Tbk (PBNNF), the current Scaled Net Operating Assets is 0.02 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 PT Bank Negara Indonesia (Persero) Tbk (PBNNF) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Negara Indonesia (Persero) Tbk stock appears to be undervalued. The current stock price of $0.20 is trading 34.7% below its estimated GF Value™ of $0.31.

Key valuation signals for PBNNF:

  • Scaled Net Operating Assets: 0.02
  • GF Value™: $0.31 vs. price of $0.20 (34.7% below fair value)
  • GF Score™: 80/100 with 3 warning signs

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

PT Bank Negara Indonesia (Persero) Tbk Business Description

Address Jalan Jenderal Sudirman Kavling 1, Gedung Grha BNI, Jakarta Pusat, Jakarta, IDN, 10220
PT Bank Negara Indonesia (Persero) Tbk is an Indonesian state-owned bank, with the government holding just over half of the bank's outstanding shares. Its main banking activities include deposit-taking, providing credit, issuing debt instruments, money transfer services, secondary market services, wholesale banking, custody banking, capital investment, and other services. Its segments include Wholesale & International Banking, Institutional Banking, Enterprises & Commercial Banking, Retail Banking and Treasury. The company generates the majority of its revenue from the Wholesale & International Banking segment which includes loans, customer deposits, and other transactions belonging to corporate customers, both BUMN and private business entities.
80GF 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.

$0.20
Price
$0.31
GF Value