Ascory Bank AG (STU:VG80) Scaled Net Operating Assets: 0.10 (As of Dec. 2025)


STU:VG80 Ascory Bank AG STU:VG80
51 GF Score
Price €2.74
GF Value €1.88
! 4 Warning Signs
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What is Ascory Bank AG Scaled Net Operating Assets?

Ascory Bank AG STU:VG80 51 Scaled Net Operating Assets is 0.10 as of Dec. 2025. GuruFocus rates STU:VG80 with a GF Score™ of 51/100 and a GF Value™ of €1.88. 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.

Ascory Bank AG's operating assets for the quarter that ended in Dec. 2025 was €1,057.22 Mil. Ascory Bank AG's operating liabilities for the quarter that ended in Dec. 2025 was €945.34 Mil. Ascory Bank AG's Total Assets for the quarter that ended in Jun. 2025 was €1,072.94 Mil. Therefore, Ascory Bank AG's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.10.

STU:VG80
51GF Score
Ascory Bank AG STU:VG80
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Ascory Bank AG 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.

Ascory Bank AG'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 )
=(1057.217-945.343)/1004.544
=0.11

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1064.929 - 7.712
=1057.217

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=986.57 - 41.227 - 0
=945.343

Ascory Bank AG'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: Jun. 2025 )
=(1057.217-945.343)/1072.944
=0.10

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1064.929 - 7.712
=1057.217

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=986.57 - 41.227 - 0
=945.343

* 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 0.10 mean?
Ascory Bank AG (STU:VG80) has a Scaled Net Operating Assets of 0.10 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 Ascory Bank AG and its competitors.
Is Ascory Bank AG's Scaled Net Operating Assets too high?
Ascory Bank AG's current Scaled Net Operating Assets is 0.10. Overall, Ascory Bank AG has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Ascory Bank AG's Scaled Net Operating Assets compare to PNC and USB?
Ascory Bank AG's Scaled Net Operating Assets of 0.10 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 Ascory Bank AG and its competitors. Ascory Bank AG's current Scaled Net Operating Assets is 0.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ascory Bank AG stock overvalued right now?
Ascory Bank AG (STU:VG80) has a current Scaled Net Operating Assets of 0.10. The stock's GF Value™ is €1.88, compared to a current price of €2.74 — trading 45.7% above its estimated fair value. The current Scaled Net Operating Assets is 0.10. Ascory Bank AG's overall GF Score™ is 51/100 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 Ascory Bank AG (STU:VG80), the current Scaled Net Operating Assets is 0.10 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 Ascory Bank AG (STU:VG80) Overvalued in 2026?

Based on GuruFocus' analysis, Ascory Bank AG stock appears to be overvalued. The current stock price of €2.74 is trading 45.7% above its estimated GF Value™ of €1.88.

Key valuation signals for STU:VG80:

  • Scaled Net Operating Assets: 0.10
  • GF Value™: €1.88 vs. price of €2.74 (45.7% above fair value)
  • GF Score™: 51/100 with 4 warning signs

No single metric tells the full story. See the STU:VG80 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ascory Bank AG Business Description

Other Exchanges VG80:Germany
Address Grosse Elbstrasse 39, Hamburg, DEU, 22767
Ascory Bank AG is a German credit institution. Its business model is focused as a specialist bank for structured financing in the corporate client sector targets start-up and scale-up clients in the fintech (including leasing and factoring institutions), energy transition, and leveraged finance sectors, and is based on a diversified funding plan.
51GF 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.

€2.74
Price
€1.88
GF Value