Republic Bank (Ghana) (XGHA:RBGH) Scaled Net Operating Assets: -0.26 (As of Dec. 2025)


XGHA:RBGH Republic Bank (Ghana) PLC XGHA:RBGH
49 GF Score
Price GHS3.93
GF Value GHS1.07
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Republic Bank (Ghana) Scaled Net Operating Assets?

Republic Bank (Ghana) XGHA:RBGH 49 Scaled Net Operating Assets is -0.26 as of Dec. 2025. GuruFocus rates XGHA:RBGH with a GF Score™ of 49/100 and a GF Value™ of GHS1.07 (Significantly Overvalued). The stock has 1 warning sign investors should review.

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

Republic Bank (Ghana)'s operating assets for the quarter that ended in Dec. 2025 was GHS6,302 Mil. Republic Bank (Ghana)'s operating liabilities for the quarter that ended in Dec. 2025 was GHS8,818 Mil. Republic Bank (Ghana)'s Total Assets for the quarter that ended in Sep. 2025 was GHS9,832 Mil. Therefore, Republic Bank (Ghana)'s scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.26.

XGHA:RBGH
49GF Score
Republic Bank (Ghana) PLC XGHA:RBGH
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Republic 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.

Republic 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 )
=(6302.012-8818.302)/9593.095
=-0.26

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=12335.201 - 6033.189
=6302.012

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=10991.568 - 2173.266 - 0
=8818.302

Republic Bank (Ghana)'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: Sep. 2025 )
=(6302.012-8818.302)/9832.466
=-0.26

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=12335.201 - 6033.189
=6302.012

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=10991.568 - 2173.266 - 0
=8818.302

* 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 -0.26 mean?
Republic Bank (Ghana) (XGHA:RBGH) has a Scaled Net Operating Assets of -0.26 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 Republic Bank (Ghana) and its competitors.
Is Republic Bank (Ghana)'s Scaled Net Operating Assets too high?
Republic Bank (Ghana)'s current Scaled Net Operating Assets is -0.26. Overall, Republic Bank (Ghana) has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bank (Ghana)'s Scaled Net Operating Assets compare to PNC?
Republic Bank (Ghana)'s Scaled Net Operating Assets of -0.26 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 Republic Bank (Ghana) and its competitors. Republic Bank (Ghana)'s current Scaled Net Operating Assets is -0.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bank (Ghana) stock overvalued right now?
Based on GuruFocus' analysis, Republic Bank (Ghana) (XGHA:RBGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.07, compared to a current price of GHS3.93 — trading 267.3% above its estimated fair value. The current Scaled Net Operating Assets is -0.26. Republic Bank (Ghana)'s overall GF Score™ is 49/100 with 1 warning sign 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 Republic Bank (Ghana) (XGHA:RBGH), the current Scaled Net Operating Assets is -0.26 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 Republic Bank (Ghana) (XGHA:RBGH) Overvalued in 2026?

Based on GuruFocus' analysis, Republic Bank (Ghana) stock appears to be overvalued. The current stock price of GHS3.93 is trading 267.3% above its estimated GF Value™ of GHS1.07. GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.

Key valuation signals for XGHA:RBGH:

  • Scaled Net Operating Assets: -0.26
  • GF Value™: GHS1.07 vs. price of GHS3.93 (267.3% above fair value)
  • GF Score™: 49/100 with 1 warning sign

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

Republic Bank (Ghana) Business Description

Address No. 35, Sixth Avenue, North Ridge, P. O. Box CT 4603, Cantonments, Accra, GHA, 4603
Republic Bank (Ghana) PLC is engaged in investment banking, corporate banking, retail banking, mortgage banking, asset management services, and property management and development. The Group operates through four reporting segments: retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit, and consumer loans; mortgage banking, which incorporates mortgage services; corporate banking, which generates maximum revenue and incorporates direct debit facilities, current accounts, deposits, overdrafts, loans, and foreign currency; and microfinance banking, which incorporates savings accounts, deposits, loans, and other credit facilities.
49GF Score

Get the complete analysis for XGHA:RBGH

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

GHS3.93
Price
GHS1.07
GF Value