CrediaBank (STU:BCA0) Scaled Net Operating Assets: 0.09 (As of Mar. 2026)


STU:BCA0 CrediaBank SA STU:BCA0
29 GF Score
Price €1.14
! 2 Warning Signs
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What is CrediaBank Scaled Net Operating Assets?

CrediaBank STU:BCA0 +3.83% 29 Scaled Net Operating Assets is 0.09 as of Mar. 2026. GuruFocus rates STU:BCA0 with a GF Score™ of 29/100. 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.

CrediaBank's operating assets for the quarter that ended in Mar. 2026 was €8,191.2 Mil. CrediaBank's operating liabilities for the quarter that ended in Mar. 2026 was €7,398.2 Mil. CrediaBank's Total Assets for the quarter that ended in Dec. 2025 was €8,479.6 Mil. Therefore, CrediaBank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.09.

STU:BCA0
29GF Score
CrediaBank SA STU:BCA0
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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CrediaBank 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.

CrediaBank'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 )
=(7796.282-7244.588)/7540.468
=0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8479.639 - 683.357
=7796.282

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7500.862 - 256.274 - 0
=7244.588

CrediaBank'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 )
=(8191.159-7398.167)/8479.639
=0.09

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8548.539 - 357.38
=8191.159

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7567.343 - 169.176 - 0
=7398.167

* 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 0.09 mean?
CrediaBank (STU:BCA0) has a Scaled Net Operating Assets of 0.09 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 CrediaBank and its competitors.
Is CrediaBank's Scaled Net Operating Assets too high?
CrediaBank's current Scaled Net Operating Assets is 0.09. Overall, CrediaBank has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does CrediaBank's Scaled Net Operating Assets compare to PNC and USB?
CrediaBank's Scaled Net Operating Assets of 0.09 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 CrediaBank and its competitors. CrediaBank's current Scaled Net Operating Assets is 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CrediaBank stock overvalued right now?
CrediaBank (STU:BCA0) has a current Scaled Net Operating Assets of 0.09. The current Scaled Net Operating Assets is 0.09. CrediaBank's overall GF Score™ is 29/100 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 CrediaBank (STU:BCA0), the current Scaled Net Operating Assets is 0.09 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.

CrediaBank Business Description

Address 260-262 Kifissias Avenue, Chalandri, GRC, 15231
CrediaBank SA is engaged in providing banking and financial services to individuals and businesses in Greece. The Bank offers a range of financial products, including loans, deposits, treasury services, investment products, and related banking services. The Bank operates through four main segments: Retail Banking, which provides financing and deposit services to individuals, freelancers, and small businesses; Corporate Banking, which offers financing solutions to medium and large enterprises including factoring and leasing services; Capital Management and Treasury, which manages the group's cash reserves, securities, and intermediary services in mutual funds and investment products; and Structured Financing, which includes structured financing and shipping banking activities.
29GF Score

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