Access Bank Ghana (XGHA:ACCESS) Scaled Net Operating Assets: -0.11 (As of Mar. 2026)


XGHA:ACCESS Access Bank Ghana PLC XGHA:ACCESS
47 GF Score
Price GHS31.90
GF Value GHS13.78
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Access Bank Ghana Scaled Net Operating Assets?

Access Bank Ghana XGHA:ACCESS 47 Scaled Net Operating Assets is -0.11 as of Mar. 2026. GuruFocus rates XGHA:ACCESS with a GF Score™ of 47/100 and a GF Value™ of GHS13.78 (Significantly Overvalued). 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.

Access Bank Ghana's operating assets for the quarter that ended in Mar. 2026 was GHS14,652 Mil. Access Bank Ghana's operating liabilities for the quarter that ended in Mar. 2026 was GHS16,737 Mil. Access Bank Ghana's Total Assets for the quarter that ended in Dec. 2025 was GHS19,023 Mil. Therefore, Access Bank Ghana's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.11.

XGHA:ACCESS
47GF Score
Access Bank Ghana PLC XGHA:ACCESS
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Access Bank Ghana 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.

Access Bank Ghana'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 )
=(14885.858-16092.677)/16561.742
=-0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=19022.897 - 4137.039
=14885.858

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=16978.465 - 885.788 - 0
=16092.677

Access Bank Ghana'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 )
=(14651.981-16736.593)/19022.897
=-0.11

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=19757.935 - 5105.954
=14651.981

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=17599.553 - 862.96 - 0
=16736.593

* 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 -0.11 mean?
Access Bank Ghana (XGHA:ACCESS) has a Scaled Net Operating Assets of -0.11 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 Access Bank Ghana and its competitors.
Is Access Bank Ghana's Scaled Net Operating Assets too high?
Access Bank Ghana's current Scaled Net Operating Assets is -0.11. Overall, Access Bank Ghana has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Access Bank Ghana's Scaled Net Operating Assets compare to PNC?
Access Bank Ghana's Scaled Net Operating Assets of -0.11 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 Access Bank Ghana and its competitors. Access Bank Ghana's current Scaled Net Operating Assets is -0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Access Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Access Bank Ghana (XGHA:ACCESS) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS13.78, compared to a current price of GHS31.90 — trading 131.5% above its estimated fair value. The current Scaled Net Operating Assets is -0.11. Access Bank Ghana's overall GF Score™ is 47/100 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 Access Bank Ghana (XGHA:ACCESS), the current Scaled Net Operating Assets is -0.11 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 Access Bank Ghana (XGHA:ACCESS) Overvalued in 2026?

Based on GuruFocus' analysis, Access Bank Ghana stock appears to be overvalued. The current stock price of GHS31.90 is trading 131.5% above its estimated GF Value™ of GHS13.78. GuruFocus considers Access Bank Ghana to be Significantly Overvalued.

Key valuation signals for XGHA:ACCESS:

  • Scaled Net Operating Assets: -0.11
  • GF Value™: GHS13.78 vs. price of GHS31.90 (131.5% above fair value)
  • GF Score™: 47/100 with 3 warning signs

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

Access Bank Ghana Business Description

Address Starlets’ 91 Road, P. O. Box GP 353, Opposite Accra Sports Stadium, Osu, Accra, GHA
Access Bank Ghana PLC is a Ghana-based commercial bank. The bank provides universal banking services including Retail Banking, Commercial Banking, Business Banking, Personal Banking, and Exclusive Banking. It also provides support for financing landmark projects in the private and public sectors. It provides services to Corporate, Commercial, Retail customers, and Financial Institutions across Ghana. The company's segments include Institutional Banking, Commercial Banking, Personal, and Business Banking, and Treasury.
47GF 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.

GHS31.90
Price
GHS13.78
GF Value