Saudi National Bank (SAU:1180) Scaled Net Operating Assets: 0.23 (As of Mar. 2026)


SAU:1180 Saudi National Bank SAU:1180
73 GF Score
Price ﷼38.36
GF Value ﷼39.72
Valuation Fairly Valued
! 3 Warning Signs
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What is Saudi National Bank Scaled Net Operating Assets?

Saudi National Bank SAU:1180 -0.05% 73 Scaled Net Operating Assets is 0.23 as of Mar. 2026. GuruFocus rates SAU:1180 with a GF Score™ of 73/100 and a GF Value™ of ﷼39.72 (Fairly Valued). 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.

Saudi National Bank's operating assets for the quarter that ended in Mar. 2026 was ﷼1,154,991 Mil. Saudi National Bank's operating liabilities for the quarter that ended in Mar. 2026 was ﷼870,701 Mil. Saudi National Bank's Total Assets for the quarter that ended in Dec. 2025 was ﷼1,210,032 Mil. Therefore, Saudi National Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.23.

SAU:1180
73GF Score
Saudi National Bank SAU:1180
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Saudi National Bank 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.

Saudi National Bank'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 )
=(1143259.016-872953.366)/1104154.64
=0.24

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1210031.553 - 66772.537
=1143259.016

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1006204.305 - 133250.939 - 0
=872953.366

Saudi National Bank'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 )
=(1154990.748-870700.946)/1210031.553
=0.23

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1228495.578 - 73504.83
=1154990.748

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1013837.423 - 143136.477 - 0
=870700.946

* 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 0.23 mean?
Saudi National Bank (SAU:1180) has a Scaled Net Operating Assets of 0.23 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 Saudi National Bank and its competitors.
Is Saudi National Bank's Scaled Net Operating Assets too high?
Saudi National Bank's current Scaled Net Operating Assets is 0.23. Overall, Saudi National Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Saudi National Bank's Scaled Net Operating Assets compare to PNC?
Saudi National Bank's Scaled Net Operating Assets of 0.23 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 Saudi National Bank and its competitors. Saudi National Bank's current Scaled Net Operating Assets is 0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saudi National Bank stock overvalued right now?
Based on GuruFocus' analysis, Saudi National Bank (SAU:1180) is currently considered Fairly Valued. The stock's GF Value™ is ﷼39.72, compared to a current price of ﷼38.36 — trading 3.4% below its estimated fair value. The current Scaled Net Operating Assets is 0.23. Saudi National Bank's overall GF Score™ is 73/100 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 Saudi National Bank (SAU:1180), the current Scaled Net Operating Assets is 0.23 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 Saudi National Bank (SAU:1180) Overvalued in 2026?

Based on GuruFocus' analysis, Saudi National Bank stock appears to be undervalued. The current stock price of ﷼38.36 is trading 3.4% below its estimated GF Value™ of ﷼39.72. GuruFocus considers Saudi National Bank to be Fairly Valued.

Key valuation signals for SAU:1180:

  • Scaled Net Operating Assets: 0.23
  • GF Value™: ﷼39.72 vs. price of ﷼38.36 (3.4% below fair value)
  • GF Score™: 73/100 with 3 warning signs

No single metric tells the full story. See the SAU:1180 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Saudi National Bank Business Description

Address King Fahd Road, Unit No. 778, The Saudi National Bank Tower, 3208 - Al Aqeeq District, King Abdullah Financial District, Riyadh, SAU, 13519 - 6676
Saudi National Bank is a financial institution in Saudi Arabia. It provides a range of banking and investment management services. The company also provides non-special commission based banking products in compliance with Shariah rules. It has four reportable segments: Retail, Wholesale, Capital Market, and International. The majority of the company's revenue is derived from the Wholesale segment, which provides banking services including all conventional credit-related products as well as financing products to small sized businesses, medium and large establishments and companies. Geographically, it has a presence in the Kingdom of Saudi Arabia, GCC and Middle East, Europe, Turkey, North America and Other countries.
73GF Score

Get the complete analysis for SAU:1180

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

﷼38.36
Price
﷼39.72
GF Value