Suruga Bank (STU:URU) Scaled Net Operating Assets: -0.03 (As of Mar. 2026)

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STU:URU Suruga Bank Ltd STU:URU
39 GF Score
Price €14.60
GF Value €7.92
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Suruga Bank Scaled Net Operating Assets?

Suruga Bank STU:URU +3.55% 39 Scaled Net Operating Assets is -0.03 as of Mar. 2026. GuruFocus rates STU:URU with a GF Score™ of 39/100 and a GF Value™ of €7.92 (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.

Suruga Bank's operating assets for the quarter that ended in Mar. 2026 was €16,950.8 Mil. Suruga Bank's operating liabilities for the quarter that ended in Mar. 2026 was €17,553.4 Mil. Suruga Bank's Total Assets for the quarter that ended in Dec. 2025 was €18,946.6 Mil. Therefore, Suruga Bank's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.03.

STU:URU
39GF Score
Suruga Bank Ltd STU:URU
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Suruga 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.

Suruga 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 )
=(16950.763-17553.434)/21485.64
=-0.03

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=19316.542 - 2365.779
=16950.763

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=17553.434 - 0 - 0
=17553.434

Suruga 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 )
=(16950.763-17553.434)/18946.624
=-0.03

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=19316.542 - 2365.779
=16950.763

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=17553.434 - 0 - 0
=17553.434

* 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 -0.03 mean?
Suruga Bank (STU:URU) has a Scaled Net Operating Assets of -0.03 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 Suruga Bank and its competitors.
Is Suruga Bank's Scaled Net Operating Assets too high?
Suruga Bank's current Scaled Net Operating Assets is -0.03. Overall, Suruga Bank has a GF Score™ of 39/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Suruga Bank's Scaled Net Operating Assets compare to competitors?
Suruga Bank's Scaled Net Operating Assets of -0.03 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 Suruga Bank and its competitors. Suruga Bank's current Scaled Net Operating Assets is -0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Suruga Bank stock overvalued right now?
Based on GuruFocus' analysis, Suruga Bank (STU:URU) is currently considered Significantly Overvalued. The stock's GF Value™ is €7.92, compared to a current price of €14.60 — trading 84.3% above its estimated fair value. The current Scaled Net Operating Assets is -0.03. Suruga Bank's overall GF Score™ is 39/100 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 Suruga Bank (STU:URU), the current Scaled Net Operating Assets is -0.03 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 Suruga Bank (STU:URU) Overvalued in 2026?

Based on GuruFocus' analysis, Suruga Bank stock appears to be overvalued. The current stock price of €14.60 is trading 84.3% above its estimated GF Value™ of €7.92. GuruFocus considers Suruga Bank to be Significantly Overvalued.

Key valuation signals for STU:URU:

  • Scaled Net Operating Assets: -0.03
  • GF Value™: €7.92 vs. price of €14.60 (84.3% above fair value)
  • GF Score™: 39/100 with 4 warning signs

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

Suruga Bank Business Description

Other Exchanges SRGBF:USA8358:Japan
Address 23 Toriyoko-cho, Numazu, JPN
Suruga Bank Ltd. is a regional bank in the Kanto area. The company divides its operations into five core businesses: personal loans, housing loans, asset management, life support, and small- to medium-size corporate lending. Specifically, this includes deposits, loans, foreign exchange transactions, leasing, letters of credit, and credit card services. Within their loan business, Suruga caters to consumers, allowing them to access more credit to work on projects such as renovations and refurbishment in addition to traditional housing loans. The company earns the majority of its revenue from housing loans. The bank operates primarily in Shizuoka and Kanagawa.
39GF 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.

€14.60
Price
€7.92
GF Value