Bank Albilad (SAU:1140) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)

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SAU:1140 Bank Albilad SAU:1140
83 GF Score
Price ﷼24.24
GF Value ﷼32.92
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Bank Albilad Scaled Net Operating Assets?

Bank Albilad SAU:1140 +0.75% 83 Scaled Net Operating Assets is 0.07 as of Mar. 2026. GuruFocus rates SAU:1140 with a GF Score™ of 83/100 and a GF Value™ of ﷼32.92 (Modestly Undervalued). 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.

Bank Albilad's operating assets for the quarter that ended in Mar. 2026 was ﷼164,966 Mil. Bank Albilad's operating liabilities for the quarter that ended in Mar. 2026 was ﷼153,211 Mil. Bank Albilad's Total Assets for the quarter that ended in Dec. 2025 was ﷼172,972 Mil. Therefore, Bank Albilad's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

SAU:1140
83GF Score
Bank Albilad SAU:1140
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Albilad 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.

Bank Albilad'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 )
=(157472.344-148052.172)/154964.687
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=172972.071 - 15499.727
=157472.344

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=151616.151 - 3563.979 - 0
=148052.172

Bank Albilad'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 )
=(164965.786-153210.746)/172972.071
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=179959.245 - 14993.459
=164965.786

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=156302.362 - 3091.616 - 0
=153210.746

* 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 0.07 mean?
Bank Albilad (SAU:1140) has a Scaled Net Operating Assets of 0.07 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 Bank Albilad and its competitors.
Is Bank Albilad's Scaled Net Operating Assets too high?
Bank Albilad's current Scaled Net Operating Assets is 0.07. Overall, Bank Albilad has a GF Score™ of 83/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bank Albilad's Scaled Net Operating Assets compare to PNC and USB?
Bank Albilad's Scaled Net Operating Assets of 0.07 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 Bank Albilad and its competitors. Bank Albilad's current Scaled Net Operating Assets is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Albilad stock overvalued right now?
Based on GuruFocus' analysis, Bank Albilad (SAU:1140) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼32.92, compared to a current price of ﷼24.24 — trading 26.4% below its estimated fair value. The current Scaled Net Operating Assets is 0.07. Bank Albilad's overall GF Score™ is 83/100 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 Bank Albilad (SAU:1140), the current Scaled Net Operating Assets is 0.07 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 Bank Albilad (SAU:1140) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Albilad stock appears to be undervalued. The current stock price of ﷼24.24 is trading 26.4% below its estimated GF Value™ of ﷼32.92. GuruFocus considers Bank Albilad to be Modestly Undervalued.

Key valuation signals for SAU:1140:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: ﷼32.92 vs. price of ﷼24.24 (26.4% below fair value)
  • GF Score™: 83/100 with 2 warning signs

No single metric tells the full story. See the SAU:1140 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank Albilad Business Description

Address 8229 Al Mutamarat, Unit 2, Riyadh, SAU, 3952- 12711
Bank Albilad is a banking corporation conducting business mainly in the Kingdom of Saudi Arabia. It is divided into four operating segments: Retail banking provides services and products to individuals, including deposits, financing, remittances, and currency exchange, Corporate banking provides services and products to corporate customers including deposits, financing, and trade services, Treasury provides money market and treasury services and Investment banking and brokerage provides investment management services and asset management activities related to dealing, managing, arranging, advising and custody of securities. Key revenue is generated from the Retail banking segment.
83GF Score

Get the complete analysis for SAU:1140

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

﷼24.24
Price
﷼32.92
GF Value