Bank Ofga (TSE:8395) Scaled Net Operating Assets: -0.04 (As of Mar. 2026)


TSE:8395 Bank Of Saga Ltd TSE:8395
51 GF Score
Price 円5,270.00
GF Value 円2,964.26
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Bank Ofga Scaled Net Operating Assets?

Bank Ofga TSE:8395 51 Scaled Net Operating Assets is -0.04 as of Mar. 2026. GuruFocus rates TSE:8395 with a GF Score™ of 51/100 and a GF Value™ of 円2,964.26 (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.

Bank Ofga's operating assets for the quarter that ended in Mar. 2026 was 円2,940,784 Mil. Bank Ofga's operating liabilities for the quarter that ended in Mar. 2026 was 円3,080,317 Mil. Bank Ofga's Total Assets for the quarter that ended in Dec. 2025 was 円3,139,330 Mil. Therefore, Bank Ofga's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.04.

TSE:8395
51GF Score
Bank Of Saga Ltd TSE:8395
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Ofga 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.

Bank Ofga'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 )
=(2940784-3080317)/3177787
=-0.04

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3219066 - 278282
=2940784

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3092568 - 12251 - 0
=3080317

Bank Ofga'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 )
=(2940784-3080317)/3139330
=-0.04

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3219066 - 278282
=2940784

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3092568 - 12251 - 0
=3080317

* 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 -0.04 mean?
Bank Ofga (TSE:8395) has a Scaled Net Operating Assets of -0.04 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 Bank Ofga and its competitors.
Is Bank Ofga's Scaled Net Operating Assets too high?
Bank Ofga's current Scaled Net Operating Assets is -0.04. Overall, Bank Ofga has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Ofga's Scaled Net Operating Assets compare to competitors?
Bank Ofga's Scaled Net Operating Assets of -0.04 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 Bank Ofga and its competitors. Bank Ofga's current Scaled Net Operating Assets is -0.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Ofga stock overvalued right now?
Based on GuruFocus' analysis, Bank Ofga (TSE:8395) is currently considered Significantly Overvalued. The stock's GF Value™ is 円2,964.26, compared to a current price of 円5,270.00 — trading 77.8% above its estimated fair value. The current Scaled Net Operating Assets is -0.04. Bank Ofga'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 Bank Ofga (TSE:8395), the current Scaled Net Operating Assets is -0.04 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 Bank Ofga (TSE:8395) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Ofga stock appears to be overvalued. The current stock price of 円5,270.00 is trading 77.8% above its estimated GF Value™ of 円2,964.26. GuruFocus considers Bank Ofga to be Significantly Overvalued.

Key valuation signals for TSE:8395:

  • Scaled Net Operating Assets: -0.04
  • GF Value™: 円2,964.26 vs. price of 円5,270.00 (77.8% above fair value)
  • GF Score™: 51/100 with 4 warning signs

No single metric tells the full story. See the TSE:8395 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank Ofga Business Description

Other Exchanges 8395:Japan
Address 7-20 Tojin 2-Chome, Saga, JPN, 840-0813
Bank Of Saga Ltd provides banking and other financial services in Japan. The bank offers deposits account such as current, ordinary, settlement, savings, time deposits, and other deposits. It also provides loans, private placements bonds, venture company support, government bonds, municipal and corporate bonds, stocks and other securities. In addition, the bank also renders services including corporate internet banking service, foreign exchange services, telephone, and direct payment service of treasury funds and many more.
51GF Score

Get the complete analysis for TSE:8395

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円5,270.00
Price
円2,964.26
GF Value