SEBNF (Seven Bank) Scaled Net Operating Assets: -0.29 (As of Mar. 2026)


SEBNF Seven Bank Ltd SEBNF
76 GF Score
Price $1.78
GF Value $2.31
! 2 Warning Signs
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What is Seven Bank Scaled Net Operating Assets?

Seven Bank SEBNF 76 Scaled Net Operating Assets is -0.29 as of Mar. 2026. GuruFocus rates SEBNF with a GF Score™ of 76/100 and a GF Value™ of $2.31. 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.

Seven Bank's operating assets for the quarter that ended in Mar. 2026 was $4,093 Mil. Seven Bank's operating liabilities for the quarter that ended in Mar. 2026 was $7,221 Mil. Seven Bank's Total Assets for the quarter that ended in Dec. 2025 was $10,721 Mil. Therefore, Seven Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.29.

SEBNF
76GF Score
Seven Bank Ltd SEBNF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Seven 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.

Seven Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(4093.036-7221.21)/10036.234
=-0.31

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=9741.093 - 5648.057
=4093.036

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7937.091 - 715.881 - 0
=7221.21

Seven 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 )
=(4093.036-7221.21)/10720.527
=-0.29

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=9741.093 - 5648.057
=4093.036

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7937.091 - 715.881 - 0
=7221.21

* 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 -0.29 mean?
Seven Bank (SEBNF) has a Scaled Net Operating Assets of -0.29 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 Seven Bank and its competitors.
Is Seven Bank's Scaled Net Operating Assets too high?
Seven Bank's current Scaled Net Operating Assets is -0.29. Overall, Seven Bank has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does Seven Bank's Scaled Net Operating Assets compare to competitors?
Seven Bank's Scaled Net Operating Assets of -0.29 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 Seven Bank and its competitors. Seven Bank's current Scaled Net Operating Assets is -0.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Seven Bank stock overvalued right now?
Seven Bank (SEBNF) has a current Scaled Net Operating Assets of -0.29. The stock's GF Value™ is $2.31, compared to a current price of $1.78 — trading 22.9% below its estimated fair value. The current Scaled Net Operating Assets is -0.29. Seven Bank's overall GF Score™ is 76/100 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 Seven Bank (SEBNF), the current Scaled Net Operating Assets is -0.29 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 Seven Bank (SEBNF) Overvalued in 2026?

Based on GuruFocus' analysis, Seven Bank stock appears to be undervalued. The current stock price of $1.78 is trading 22.9% below its estimated GF Value™ of $2.31.

Key valuation signals for SEBNF:

  • Scaled Net Operating Assets: -0.29
  • GF Value™: $2.31 vs. price of $1.78 (22.9% below fair value)
  • GF Score™: 76/100 with 2 warning signs

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

Seven Bank Business Description

Address 6-1 Marunouchi 1-chome, Chiyoda-ku, Tokyo, JPN, 100-0005
Seven Bank Ltd is a Japan-based business bank. It operates a network of ATMs in partnership with financial institutions across Japan. The company's business segments include the ATM Services segment and the Financial Services segment. The ATM Services segment, provides deposits, withdrawals, and bank transfers at more than 22,000 Seven Bank ATMs nationwide using the cards of more than 590 partner institutions. The Financial Services segment provides convenient account-related services, such as ordinary deposits, time deposits, personal loans and international money transfers, which are accessible from not only Seven Bank ATMs but also personal computers and smartphones. Also, the company provides ATM services overseas and back-office support on commission through its subsidiaries.
76GF 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.

$1.78
Price
$2.31
GF Value