UNJCF (Unicaja Banco) Scaled Net Operating Assets: -0.00 (As of Mar. 2026)


UNJCF Unicaja Banco SA UNJCF
56 GF Score
Price $3.05
GF Value $1.37
! 6 Warning Signs
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What is Unicaja Banco Scaled Net Operating Assets?

Unicaja Banco UNJCF 56 Scaled Net Operating Assets is -0.00 as of Mar. 2026. GuruFocus rates UNJCF with a GF Score™ of 56/100 and a GF Value™ of $1.37. The stock has 6 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.

Unicaja Banco's operating assets for the quarter that ended in Mar. 2026 was $101,701 Mil. Unicaja Banco's operating liabilities for the quarter that ended in Mar. 2026 was $101,857 Mil. Unicaja Banco's Total Assets for the quarter that ended in Dec. 2025 was $115,255 Mil. Therefore, Unicaja Banco's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.00.

UNJCF
56GF Score
Unicaja Banco SA UNJCF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Unicaja Banco 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.

Unicaja Banco'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 )
=(108508.804-102135.028)/101953.329
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=115254.847 - 6746.043
=108508.804

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=106951.797 - 4816.769 - 0
=102135.028

Unicaja Banco'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 )
=(101700.578-101856.647)/115254.847
=-0.00

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=114551.445 - 12850.867
=101700.578

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=106406.936 - 4550.289 - 0
=101856.647

* 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 -0.00 mean?
Unicaja Banco (UNJCF) has a Scaled Net Operating Assets of -0.00 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 Unicaja Banco and its competitors.
Is Unicaja Banco's Scaled Net Operating Assets too high?
Unicaja Banco's current Scaled Net Operating Assets is -0.00. Overall, Unicaja Banco has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Unicaja Banco's Scaled Net Operating Assets compare to PNC and USB?
Unicaja Banco's Scaled Net Operating Assets of -0.00 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 Unicaja Banco and its competitors. Unicaja Banco's current Scaled Net Operating Assets is -0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unicaja Banco stock overvalued right now?
Unicaja Banco (UNJCF) has a current Scaled Net Operating Assets of -0.00. The stock's GF Value™ is $1.37, compared to a current price of $3.05 — trading 122.6% above its estimated fair value. The current Scaled Net Operating Assets is -0.00. Unicaja Banco's overall GF Score™ is 56/100 with 6 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 Unicaja Banco (UNJCF), the current Scaled Net Operating Assets is -0.00 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 Unicaja Banco (UNJCF) Overvalued in 2026?

Based on GuruFocus' analysis, Unicaja Banco stock appears to be overvalued. The current stock price of $3.05 is trading 122.6% above its estimated GF Value™ of $1.37.

Key valuation signals for UNJCF:

  • Scaled Net Operating Assets: -0.00
  • GF Value™: $1.37 vs. price of $3.05 (122.6% above fair value)
  • GF Score™: 56/100 with 6 warning signs

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

Unicaja Banco Business Description

Address Avenida de Andalucia 10 y 12, Malaga, ESP, 29007
Unicaja Banco SA is a credit institution; its main activity is retail banking. The group's object includes the provision of investment services and other auxiliary services, as well as the performance of insurance agent activities, as an exclusive or related operator, without the simultaneous exercise of both. Its segments are Credit institutions and insurance companies; these are the activities of the Bank and other Group companies engaged in financial services, as well as other ancillary activities carried out by the Group and of immaterial amounts, and central or general services that have not been allocated to any segment, and Other entities, which include the activities carried out by the other Group companies not included in the previous section. The Group operates in Spain.
56GF 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.

$3.05
Price
$1.37
GF Value