PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) Scaled Net Operating Assets: 0.11 (As of Mar. 2026)


STU:TA2 PT Bank Tabungan Negara (Persero) Tbk STU:TA2
80 GF Score
Price €0.04
GF Value €0.06
! 3 Warning Signs
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What is PT Bank Tabungan Negara (Persero) Tbk Scaled Net Operating Assets?

PT Bank Tabungan Negara (Persero) Tbk STU:TA2 80 Scaled Net Operating Assets is 0.11 as of Mar. 2026. GuruFocus rates STU:TA2 with a GF Score™ of 80/100 and a GF Value™ of €0.06. 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.

PT Bank Tabungan Negara (Persero) Tbk's operating assets for the quarter that ended in Mar. 2026 was €24,965 Mil. PT Bank Tabungan Negara (Persero) Tbk's operating liabilities for the quarter that ended in Mar. 2026 was €21,930 Mil. PT Bank Tabungan Negara (Persero) Tbk's Total Assets for the quarter that ended in Dec. 2025 was €26,979 Mil. Therefore, PT Bank Tabungan Negara (Persero) Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.11.

STU:TA2
80GF Score
PT Bank Tabungan Negara (Persero) Tbk STU:TA2
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Tabungan Negara (Persero) Tbk 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.

PT Bank Tabungan Negara (Persero) Tbk'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 )
=(24351.453-22693.588)/27967.507
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=26978.635 - 2627.182
=24351.453

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=25127.714 - 2434.126 - 0
=22693.588

PT Bank Tabungan Negara (Persero) Tbk'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 )
=(24964.622-21930.43)/26978.635
=0.11

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=26443.666 - 1479.044
=24964.622

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=24564.963 - 2634.533 - 0
=21930.43

* 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 0.11 mean?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a Scaled Net Operating Assets of 0.11 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 PT Bank Tabungan Negara (Persero) Tbk and its competitors.
Is PT Bank Tabungan Negara (Persero) Tbk's Scaled Net Operating Assets too high?
PT Bank Tabungan Negara (Persero) Tbk's current Scaled Net Operating Assets is 0.11. Overall, PT Bank Tabungan Negara (Persero) Tbk has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Tabungan Negara (Persero) Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Tabungan Negara (Persero) Tbk's Scaled Net Operating Assets of 0.11 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 PT Bank Tabungan Negara (Persero) Tbk and its competitors. PT Bank Tabungan Negara (Persero) Tbk's current Scaled Net Operating Assets is 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Tabungan Negara (Persero) Tbk stock overvalued right now?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a current Scaled Net Operating Assets of 0.11. The stock's GF Value™ is €0.06, compared to a current price of €0.04 — trading 35% below its estimated fair value. The current Scaled Net Operating Assets is 0.11. PT Bank Tabungan Negara (Persero) Tbk's overall GF Score™ is 80/100 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 PT Bank Tabungan Negara (Persero) Tbk (STU:TA2), the current Scaled Net Operating Assets is 0.11 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 PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Tabungan Negara (Persero) Tbk stock appears to be undervalued. The current stock price of €0.04 is trading 35% below its estimated GF Value™ of €0.06.

Key valuation signals for STU:TA2:

  • Scaled Net Operating Assets: 0.11
  • GF Value™: €0.06 vs. price of €0.04 (35% below fair value)
  • GF Score™: 80/100 with 3 warning signs

No single metric tells the full story. See the STU:TA2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT Bank Tabungan Negara (Persero) Tbk Business Description

Other Exchanges BBTN:Indonesia
Address Jalan Gajah Mada No. 1, Menara BTN, Jakarta, IDN, 10130
PT Bank Tabungan Negara (Persero) Tbk conducts business in the banking sector. Its activities include Collecting funds from the public in the form of savings, current accounts, time deposits, certificates of deposit, distributing funds in the form of credit or financing, issuing and/or carrying out securities transactions. Its products and services are divided into two segments, namely conventional and sharia. Conventional banking consist of Consumer products and Commercial products; and Sharia consist of Sharia Products. Its services include consumer loan products, consumer savings products, and wealth management products.
80GF 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.

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