Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) Scaled Net Operating Assets: 0.06 (As of Dec. 2025)

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XBLB:KRLB-R-A Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A
18 GF Score
Price BAM1.14
GF Value BAM1.31
! 3 Warning Signs
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What is Hypo Alpe-Adria Bank AD Scaled Net Operating Assets?

Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A 18 Scaled Net Operating Assets is 0.06 as of Dec. 2025. GuruFocus rates XBLB:KRLB-R-A with a GF Score™ of 18/100 and a GF Value™ of BAM1.31. The stock has 3 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.

Hypo Alpe-Adria Bank AD's operating assets for the quarter that ended in Dec. 2025 was BAM945.73 Mil. Hypo Alpe-Adria Bank AD's operating liabilities for the quarter that ended in Dec. 2025 was BAM876.92 Mil. Hypo Alpe-Adria Bank AD's Total Assets for the quarter that ended in Jun. 2025 was BAM1,090.65 Mil. Therefore, Hypo Alpe-Adria Bank AD's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.06.

XBLB:KRLB-R-A
18GF Score
Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Hypo Alpe-Adria Bank AD 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.

Hypo Alpe-Adria Bank AD'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 )
=(945.728-876.918)/1076.643
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1131.543 - 185.815
=945.728

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=925.779 - 48.861 - 0
=876.918

Hypo Alpe-Adria Bank AD'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 )
=(945.728-876.918)/1090.653
=0.06

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1131.543 - 185.815
=945.728

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=925.779 - 48.861 - 0
=876.918

* 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 0.06 mean?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a Scaled Net Operating Assets of 0.06 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 Hypo Alpe-Adria Bank AD and its competitors.
Is Hypo Alpe-Adria Bank AD's Scaled Net Operating Assets too high?
Hypo Alpe-Adria Bank AD's current Scaled Net Operating Assets is 0.06. Overall, Hypo Alpe-Adria Bank AD has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Hypo Alpe-Adria Bank AD's Scaled Net Operating Assets compare to PNC and USB?
Hypo Alpe-Adria Bank AD's Scaled Net Operating Assets of 0.06 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 Hypo Alpe-Adria Bank AD and its competitors. Hypo Alpe-Adria Bank AD's current Scaled Net Operating Assets is 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hypo Alpe-Adria Bank AD stock overvalued right now?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a current Scaled Net Operating Assets of 0.06. The stock's GF Value™ is BAM1.31, compared to a current price of BAM1.14 — trading 13% below its estimated fair value. The current Scaled Net Operating Assets is 0.06. Hypo Alpe-Adria Bank AD's overall GF Score™ is 18/100 with 3 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 Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A), the current Scaled Net Operating Assets is 0.06 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 Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Hypo Alpe-Adria Bank AD stock appears to be undervalued. The current stock price of BAM1.14 is trading 13% below its estimated GF Value™ of BAM1.31.

Key valuation signals for XBLB:KRLB-R-A:

  • Scaled Net Operating Assets: 0.06
  • GF Value™: BAM1.31 vs. price of BAM1.14 (13% below fair value)
  • GF Score™: 18/100 with 3 warning signs

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

Hypo Alpe-Adria Bank AD Business Description

Address No. 13, Aleja Svetog Save Street, Banja Luka, BIH, 78000
Hypo Alpe-Adria Bank AD is a bank. It is engaged in providing financial products and services. The company's operating segment includes Consumer; SME Business; Mortgage; Large Corporates; Public Finance; and Corporate Center. It offers products and services including loans, leasing, savings, currency exchange, mobile banking, advisory services, deposits, and investment banking services. It generates the majority of its revenue from the Consumer segment.
18GF Score

Get the complete analysis for XBLB:KRLB-R-A

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

BAM1.14
Price
BAM1.31
GF Value