PBS Finanse (WAR:PBF) Scaled Net Operating Assets: 0.60 (As of Mar. 2026)


WAR:PBF PBS Finanse SA WAR:PBF
75 GF Score
Price zł1.18
GF Value zł1.36
Valuation Modestly Undervalued
! 5 Warning Signs
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What is PBS Finanse Scaled Net Operating Assets?

PBS Finanse WAR:PBF 75 Scaled Net Operating Assets is 0.60 as of Mar. 2026. GuruFocus rates WAR:PBF with a GF Score™ of 75/100 and a GF Value™ of zł1.36 (Modestly Undervalued). The stock has 5 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.

PBS Finanse's operating assets for the quarter that ended in Mar. 2026 was zł7.51 Mil. PBS Finanse's operating liabilities for the quarter that ended in Mar. 2026 was zł1.41 Mil. PBS Finanse's Total Assets for the quarter that ended in Dec. 2025 was zł10.23 Mil. Therefore, PBS Finanse's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.60.


PBS Finanse Scaled Net Operating Assets Historical Data

* Premium members only.

The historical data trend for PBS Finanse's Scaled Net Operating Assets can be seen below:

* 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.

PBS Finanse Scaled Net Operating Assets Chart

PBS Finanse Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Scaled Net Operating Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.23 0.46 0.55 0.49 0.57

PBS Finanse Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Scaled Net Operating Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.56 0.47 0.53 0.62 0.60

WAR:PBF vs V, MA, AXP: Scaled Net Operating Assets Comparison

For the Credit Services subindustry, PBS Finanse's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PBS Finanse Scaled Net Operating Assets vs Credit Services Industry

For the Credit Services industry and Financial Services sector, PBS Finanse's Scaled Net Operating Assets distribution charts can be found below:

* The bar in red indicates where PBS Finanse's Scaled Net Operating Assets falls into.


WAR:PBF
75GF Score
PBS Finanse SA WAR:PBF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PBS Finanse 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.

PBS Finanse'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 )
=(7.553-1.32)/10.965
=0.57

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=10.234 - 2.681
=7.553

PBS Finanse'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 )
=(7.511-1.413)/10.234
=0.60

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=10.187 - 2.676
=7.511

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1.413 - 0 - 0
=1.413

* 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 0.60 mean?
PBS Finanse (WAR:PBF) has a Scaled Net Operating Assets of 0.60 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 PBS Finanse and its competitors.
Is PBS Finanse's Scaled Net Operating Assets too high?
PBS Finanse's current Scaled Net Operating Assets is 0.60. Overall, PBS Finanse has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PBS Finanse's Scaled Net Operating Assets compare to V and MA?
PBS Finanse's Scaled Net Operating Assets of 0.60 can be compared against companies in the Credit Services 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 Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services 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 PBS Finanse and its competitors. PBS Finanse's current Scaled Net Operating Assets is 0.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PBS Finanse stock overvalued right now?
Based on GuruFocus' analysis, PBS Finanse (WAR:PBF) is currently considered Modestly Undervalued. The stock's GF Value™ is zł1.36, compared to a current price of zł1.18 — trading 13.2% below its estimated fair value. The current Scaled Net Operating Assets is 0.60. PBS Finanse's overall GF Score™ is 75/100 with 5 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 PBS Finanse (WAR:PBF), the current Scaled Net Operating Assets is 0.60 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 PBS Finanse (WAR:PBF) Overvalued in 2026?

Based on GuruFocus' analysis, PBS Finanse stock appears to be undervalued. The current stock price of zł1.18 is trading 13.2% below its estimated GF Value™ of zł1.36. GuruFocus considers PBS Finanse to be Modestly Undervalued.

Key valuation signals for WAR:PBF:

  • Scaled Net Operating Assets: 0.60
  • GF Value™: zł1.36 vs. price of zł1.18 (13.2% below fair value)
  • GF Score™: 75/100 with 5 warning signs

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


PBS Finanse Business Description

Address ul. Mickiewicza 29, Sanok, POL, 38-500
PBS Finanse SA is a financial service provider to individuals and corporate customers. The company focuses on three areas namely credit intermediation, fast loan, and financial leasing. It also provides services in factoring, insurance, loan, and debt collection sector as well as operations related to software and consultancy in the field of Computer Science and related activities.
75GF 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.

zł1.18
Price
zł1.36
GF Value