Chongqing Rural Commercial Bank Co (SHSE:601077) Scaled Net Operating Assets: 0.08 (As of Dec. 2025)

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SHSE:601077 Chongqing Rural Commercial Bank Co Ltd SHSE:601077
49 GF Score
Price ¥6.58
GF Value ¥4.80
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Chongqing Rural Commercial Bank Co Scaled Net Operating Assets?

Chongqing Rural Commercial Bank Co SHSE:601077 -3.38% 49 Scaled Net Operating Assets is 0.08 as of Dec. 2025. GuruFocus rates SHSE:601077 with a GF Score™ of 49/100 and a GF Value™ of ¥4.80 (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.

Chongqing Rural Commercial Bank Co's operating assets for the quarter that ended in Dec. 2025 was ¥1,468,253 Mil. Chongqing Rural Commercial Bank Co's operating liabilities for the quarter that ended in Dec. 2025 was ¥1,335,744 Mil. Chongqing Rural Commercial Bank Co's Total Assets for the quarter that ended in Sep. 2025 was ¥1,656,250 Mil. Therefore, Chongqing Rural Commercial Bank Co's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.08.

SHSE:601077
49GF Score
Chongqing Rural Commercial Bank Co Ltd SHSE:601077
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Chongqing Rural Commercial Bank Co 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.

Chongqing Rural Commercial Bank Co'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 )
=(1468253.456-1335744.038)/1515381.799
=0.09

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1666184.264 - 197930.808
=1468253.456

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1526448.336 - 190704.298 - 0
=1335744.038

Chongqing Rural Commercial Bank Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Sep. 2025 )
=(1468253.456-1335744.038)/1656250.357
=0.08

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1666184.264 - 197930.808
=1468253.456

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1526448.336 - 190704.298 - 0
=1335744.038

* 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 0.08 mean?
Chongqing Rural Commercial Bank Co (SHSE:601077) has a Scaled Net Operating Assets of 0.08 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Chongqing Rural Commercial Bank Co and its competitors.
Is Chongqing Rural Commercial Bank Co's Scaled Net Operating Assets too high?
Chongqing Rural Commercial Bank Co's current Scaled Net Operating Assets is 0.08. Overall, Chongqing Rural Commercial Bank Co has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chongqing Rural Commercial Bank Co's Scaled Net Operating Assets compare to competitors?
Chongqing Rural Commercial Bank Co's Scaled Net Operating Assets of 0.08 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 Chongqing Rural Commercial Bank Co and its competitors. Chongqing Rural Commercial Bank Co's current Scaled Net Operating Assets is 0.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chongqing Rural Commercial Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Chongqing Rural Commercial Bank Co (SHSE:601077) is currently considered Significantly Overvalued. The stock's GF Value™ is ¥4.80, compared to a current price of ¥6.58 — trading 37.1% above its estimated fair value. The current Scaled Net Operating Assets is 0.08. Chongqing Rural Commercial Bank Co's overall GF Score™ is 49/100 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 Chongqing Rural Commercial Bank Co (SHSE:601077), the current Scaled Net Operating Assets is 0.08 as of Dec. 2025. 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 Chongqing Rural Commercial Bank Co (SHSE:601077) Overvalued in 2026?

Based on GuruFocus' analysis, Chongqing Rural Commercial Bank Co stock appears to be overvalued. The current stock price of ¥6.58 is trading 37.1% above its estimated GF Value™ of ¥4.80. GuruFocus considers Chongqing Rural Commercial Bank Co to be Significantly Overvalued.

Key valuation signals for SHSE:601077:

  • Scaled Net Operating Assets: 0.08
  • GF Value™: ¥4.80 vs. price of ¥6.58 (37.1% above fair value)
  • GF Score™: 49/100 with 4 warning signs

No single metric tells the full story. See the SHSE:601077 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Chongqing Rural Commercial Bank Co Business Description

Other Exchanges 03618:Hong Kong
Address No. 36 Jinshamen Road, Jiangbei District, Chongqing, CHN, 400023
Chongqing Rural Commercial Bank Co Ltd provides a range of banking and related services in China. The company operates in three segments: Corporate banking, which includes corporate loans, trade financing, deposit takings, financial leasing, and other services; Personal banking segment includes personal loans, deposit products, card business, personal wealth management services, and other services; and Financial market operations, which conducts money market or repurchase transactions and debt instruments investment. Its geographical segments are the County Area and Urban Area.
49GF Score

Get the complete analysis for SHSE:601077

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

¥6.58
Price
¥4.80
GF Value