Nam A Commercial Joint Stock Bank (STC:NAB) Scaled Net Operating Assets: -0.15 (As of Mar. 2026)


STC:NAB Nam A Commercial Joint Stock Bank STC:NAB
56 GF Score
Price ₫13,100.00
! 3 Warning Signs
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What is Nam A Commercial Joint Stock Bank Scaled Net Operating Assets?

Nam A Commercial Joint Stock Bank STC:NAB 56 Scaled Net Operating Assets is -0.15 as of Mar. 2026. GuruFocus rates STC:NAB with a GF Score™ of 56/100. 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.

Nam A Commercial Joint Stock Bank's operating assets for the quarter that ended in Mar. 2026 was ₫273,254,826 Mil. Nam A Commercial Joint Stock Bank's operating liabilities for the quarter that ended in Mar. 2026 was ₫337,859,524 Mil. Nam A Commercial Joint Stock Bank's Total Assets for the quarter that ended in Dec. 2025 was ₫418,333,322 Mil. Therefore, Nam A Commercial Joint Stock Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.15.

STC:NAB
56GF Score
Nam A Commercial Joint Stock Bank STC:NAB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Nam A Commercial Joint Stock 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.

Nam A Commercial Joint Stock 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 )
=(248887249-356446981)/245128983
=-0.44

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=418333322 - 169446073
=248887249

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=394902457 - 38455476 - 0
=356446981

Nam A Commercial Joint Stock 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 )
=(273254826-337859524)/418333322
=-0.15

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=409207229 - 135952403
=273254826

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=384527694 - 46668170 - 0
=337859524

* 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 -0.15 mean?
Nam A Commercial Joint Stock Bank (STC:NAB) has a Scaled Net Operating Assets of -0.15 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 Nam A Commercial Joint Stock Bank and its competitors.
Is Nam A Commercial Joint Stock Bank's Scaled Net Operating Assets too high?
Nam A Commercial Joint Stock Bank's current Scaled Net Operating Assets is -0.15. Overall, Nam A Commercial Joint Stock Bank has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Nam A Commercial Joint Stock Bank's Scaled Net Operating Assets compare to competitors?
Nam A Commercial Joint Stock Bank's Scaled Net Operating Assets of -0.15 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 Nam A Commercial Joint Stock Bank and its competitors. Nam A Commercial Joint Stock Bank's current Scaled Net Operating Assets is -0.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nam A Commercial Joint Stock Bank stock overvalued right now?
Nam A Commercial Joint Stock Bank (STC:NAB) has a current Scaled Net Operating Assets of -0.15. The current Scaled Net Operating Assets is -0.15. Nam A Commercial Joint Stock Bank's overall GF Score™ is 56/100 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 Nam A Commercial Joint Stock Bank (STC:NAB), the current Scaled Net Operating Assets is -0.15 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.

Nam A Commercial Joint Stock Bank Business Description

Address 201-203 Cach Mang Thang Tam, Ward 4, District 3, Ho Chi Minh, VNM
Nam A Commercial Joint Stock Bank is engaged in providing banking services such as mobilizing short, medium and long-term funds in the form of term deposits, demand deposits, cod; receiving entrusted investment and development funds, borrowings from other financial institutions; granting short, medium and long-term loans; discounting of commercial notes, bonds and valuable papers; contributing capital and investing in joint-ventures, settlement services to customers, trading foreign currencies, gold, international payment, mobilizing overseas funds and other banking services to overseas counterparties; preserving assets, leasing cabinets and safes; insurance agency; credit granting; debt purchasing; trading and providing forex services on domestic and international market and others.
56GF 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.

₫13,100.00
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