Vseobecna Uverova Banka (XBRA:1VUB02AE) Scaled Net Operating Assets: 0.23 (As of Jun. 2026)

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XBRA:1VUB02AE Vseobecna Uverova Banka XBRA:1VUB02AE
8 GF Score
Price €157.00
GF Value €134.77
! 2 Warning Signs
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What is Vseobecna Uverova Banka Scaled Net Operating Assets?

Vseobecna Uverova Banka XBRA:1VUB02AE 8 Scaled Net Operating Assets is 0.23 as of Jun. 2026. GuruFocus rates XBRA:1VUB02AE with a GF Score™ of 8/100 and a GF Value™ of €134.77. The stock has 2 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.

Vseobecna Uverova Banka's operating assets for the quarter that ended in Jun. 2026 was €25,094.7 Mil. Vseobecna Uverova Banka's operating liabilities for the quarter that ended in Jun. 2026 was €18,961.8 Mil. Vseobecna Uverova Banka's Total Assets for the quarter that ended in Dec. 2025 was €26,320.2 Mil. Therefore, Vseobecna Uverova Banka's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.23.

XBRA:1VUB02AE
8GF Score
Vseobecna Uverova Banka XBRA:1VUB02AE
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Vseobecna Uverova Banka 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.

Vseobecna Uverova Banka'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 )
=(24170.863-18454.602)/25254.317
=0.23

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=26320.181 - 2149.318
=24170.863

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=23891.301 - 5436.699 - 0
=18454.602

Vseobecna Uverova Banka's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Dec. 2025 )
=(25094.695-18961.831)/26320.181
=0.23

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=27412.087 - 2317.392
=25094.695

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=25007.27 - 6045.439 - 0
=18961.831

* 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 0.23 mean?
Vseobecna Uverova Banka (XBRA:1VUB02AE) has a Scaled Net Operating Assets of 0.23 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Vseobecna Uverova Banka and its competitors.
Is Vseobecna Uverova Banka's Scaled Net Operating Assets too high?
Vseobecna Uverova Banka's current Scaled Net Operating Assets is 0.23. Overall, Vseobecna Uverova Banka has a GF Score™ of 8/100, reflecting its overall financial health beyond just this single metric.
How does Vseobecna Uverova Banka's Scaled Net Operating Assets compare to USB and TFC?
Vseobecna Uverova Banka's Scaled Net Operating Assets of 0.23 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 Vseobecna Uverova Banka and its competitors. Vseobecna Uverova Banka's current Scaled Net Operating Assets is 0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vseobecna Uverova Banka stock overvalued right now?
Vseobecna Uverova Banka (XBRA:1VUB02AE) has a current Scaled Net Operating Assets of 0.23. The stock's GF Value™ is €134.77, compared to a current price of €157.00 — trading 16.5% above its estimated fair value. The current Scaled Net Operating Assets is 0.23. Vseobecna Uverova Banka's overall GF Score™ is 8/100 with 2 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 Vseobecna Uverova Banka (XBRA:1VUB02AE), the current Scaled Net Operating Assets is 0.23 as of Jun. 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 Vseobecna Uverova Banka (XBRA:1VUB02AE) Overvalued in 2026?

Based on GuruFocus' analysis, Vseobecna Uverova Banka stock appears to be overvalued. The current stock price of €157.00 is trading 16.5% above its estimated GF Value™ of €134.77.

Key valuation signals for XBRA:1VUB02AE:

  • Scaled Net Operating Assets: 0.23
  • GF Value™: €134.77 vs. price of €157.00 (16.5% above fair value)
  • GF Score™: 8/100 with 2 warning signs

No single metric tells the full story. See the XBRA:1VUB02AE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Vseobecna Uverova Banka Business Description

Address Mlynske nivy 1, Bratislava, SVK, 82990
Vseobecna Uverova Banka is a Slovakia based company. The company provides retail and commercial banking services. The company operates three segments: Retail banking; Corporate Banking; Central Treasury. The company provides Loans, Cards, Insurance, saving, and insurance services.
8GF Score

Get the complete analysis for XBRA:1VUB02AE

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

€157.00
Price
€134.77
GF Value