Banco Guayaquil (QUI:GYL) Scaled Net Operating Assets: 0.00 (As of Mar. 2026)

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QUI:GYL Banco Guayaquil SA QUI:GYL
66 GF Score
Price $2.43
GF Value $1.22
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Banco Guayaquil Scaled Net Operating Assets?

Banco Guayaquil QUI:GYL 66 Scaled Net Operating Assets is 0.00 as of Mar. 2026. GuruFocus rates QUI:GYL with a GF Score™ of 66/100 and a GF Value™ of $1.22 (Significantly Overvalued). The stock has 4 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.

Banco Guayaquil's operating assets for the quarter that ended in Mar. 2026 was $9,493.0 Mil. Banco Guayaquil's operating liabilities for the quarter that ended in Mar. 2026 was $9,468.9 Mil. Banco Guayaquil's Total Assets for the quarter that ended in Dec. 2025 was $9,732.6 Mil. Therefore, Banco Guayaquil's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.00.

QUI:GYL
66GF Score
Banco Guayaquil SA QUI:GYL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Guayaquil 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.

Banco Guayaquil'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 )
=(8720.051-8717.696)/8729.016
=0.00

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=9732.585 - 1012.534
=8720.051

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=8816.092 - 98.396 - 0
=8717.696

Banco Guayaquil'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 )
=(9493.025-9468.905)/9732.585
=0.00

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=10455.869 - 962.844
=9493.025

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=9564.682 - 95.777 - 0
=9468.905

* 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 0.00 mean?
Banco Guayaquil (QUI:GYL) has a Scaled Net Operating Assets of 0.00 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 Banco Guayaquil and its competitors.
Is Banco Guayaquil's Scaled Net Operating Assets too high?
Banco Guayaquil's current Scaled Net Operating Assets is 0.00. Overall, Banco Guayaquil has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Guayaquil's Scaled Net Operating Assets compare to PNC and USB?
Banco Guayaquil's Scaled Net Operating Assets of 0.00 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 Banco Guayaquil and its competitors. Banco Guayaquil's current Scaled Net Operating Assets is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Guayaquil stock overvalued right now?
Based on GuruFocus' analysis, Banco Guayaquil (QUI:GYL) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.22, compared to a current price of $2.43 — trading 99.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.00. Banco Guayaquil's overall GF Score™ is 66/100 with 4 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 Banco Guayaquil (QUI:GYL), the current Scaled Net Operating Assets is 0.00 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 Banco Guayaquil (QUI:GYL) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Guayaquil stock appears to be overvalued. The current stock price of $2.43 is trading 99.2% above its estimated GF Value™ of $1.22. GuruFocus considers Banco Guayaquil to be Significantly Overvalued.

Key valuation signals for QUI:GYL:

  • Scaled Net Operating Assets: 0.00
  • GF Value™: $1.22 vs. price of $2.43 (99.2% above fair value)
  • GF Score™: 66/100 with 4 warning signs

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

Banco Guayaquil Business Description

Other Exchanges GYL:Ecuador
Address Pichincha 107 and P Icaza, Banco Guayaquil, Main Building, Guayaquil, ECU, 090150
Banco Guayaquil SA provides various banking and financial services through its vast network of ATMs and various branches, mainly in Ecuador. It offers loans, accepts deposits, provides digital banking services, issues debit and credit cards, and offers financing and investment products and services, among others. The bank's economic activities are grouped into different lines of business: corporate banking, personal banking, educational banking, housing banking, microcredit, and other financial services.
66GF Score

Get the complete analysis for QUI:GYL

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

$2.43
Price
$1.22
GF Value