First Atlantic Bank (XGHA:FAB) Scaled Net Operating Assets: -0.81 (As of Dec. 2025)


XGHA:FAB First Atlantic Bank PLC XGHA:FAB
24 GF Score
Price GHS8.40
View Full Analysis

What is First Atlantic Bank Scaled Net Operating Assets?

First Atlantic Bank XGHA:FAB 24 Scaled Net Operating Assets is -0.81 as of Dec. 2025. GuruFocus rates XGHA:FAB with a GF Score™ of 24/100.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

First Atlantic Bank's operating assets for the quarter that ended in Dec. 2025 was GHS6,114 Mil. First Atlantic Bank's operating liabilities for the quarter that ended in Dec. 2025 was GHS16,946 Mil. First Atlantic Bank's Total Assets for the quarter that ended in Dec. 2024 was GHS13,325 Mil. Therefore, First Atlantic Bank's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.81.

XGHA:FAB
24GF Score
First Atlantic Bank PLC XGHA:FAB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Atlantic Bank 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.

First Atlantic Bank'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 )
=(6114.39-16945.756)/13324.941
=-0.81

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=19192.992 - 13078.602
=6114.39

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=16984.597 - 38.841 - 0
=16945.756

First Atlantic Bank'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: Dec. 2024 )
=(6114.39-16945.756)/13324.941
=-0.81

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=19192.992 - 13078.602
=6114.39

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=16984.597 - 38.841 - 0
=16945.756

* 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 -0.81 mean?
First Atlantic Bank (XGHA:FAB) has a Scaled Net Operating Assets of -0.81 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 First Atlantic Bank and its competitors.
Is First Atlantic Bank's Scaled Net Operating Assets too high?
First Atlantic Bank's current Scaled Net Operating Assets is -0.81. Overall, First Atlantic Bank has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does First Atlantic Bank's Scaled Net Operating Assets compare to PNC?
First Atlantic Bank's Scaled Net Operating Assets of -0.81 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 First Atlantic Bank and its competitors. First Atlantic Bank's current Scaled Net Operating Assets is -0.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Atlantic Bank stock overvalued right now?
First Atlantic Bank (XGHA:FAB) has a current Scaled Net Operating Assets of -0.81. The current Scaled Net Operating Assets is -0.81. First Atlantic Bank's overall GF Score™ is 24/100. 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 First Atlantic Bank (XGHA:FAB), the current Scaled Net Operating Assets is -0.81 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.

First Atlantic Bank Business Description

Address Seventh Avenue, Atlantic Place No. 1, Ridge West, Accra, GHA
First Atlantic Bank PLC is engaged in providing banking services that include personal banking, corporate banking, digital banking, prestige banking, and others. The Group's portfolio consists of loans and investments segmented across five main portfolios: Corporate Loans, Retail Loans, Retail Controller Loans, SME loans & Investments. The Group comprises the following main business segments: Corporate Banking, Retail and business banking, and Global markets. It generates majority of its income from Global markets segment which undertake the Group's funding and risk management activities through borrowings, issues of debt securities and investing in liquid assets such as short-term placements and corporate and government debt securities.
24GF Score

Get the complete analysis for XGHA:FAB

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

GHS8.40
Price