Citizen Bank International (XNEP:CZBIL) Scaled Net Operating Assets: 0.02 (As of Apr. 2026)

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XNEP:CZBIL Citizen Bank International Ltd XNEP:CZBIL
66 GF Score
Price NPR202.70
GF Value NPR210.73
Valuation Fairly Valued
! 1 Warning Sign
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What is Citizen Bank International Scaled Net Operating Assets?

Citizen Bank International XNEP:CZBIL -1.07% 66 Scaled Net Operating Assets is 0.02 as of Apr. 2026. GuruFocus rates XNEP:CZBIL with a GF Score™ of 66/100 and a GF Value™ of NPR210.73 (Fairly Valued). 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.

Citizen Bank International's operating assets for the quarter that ended in Apr. 2026 was NPR223,724 Mil. Citizen Bank International's operating liabilities for the quarter that ended in Apr. 2026 was NPR219,013 Mil. Citizen Bank International's Total Assets for the quarter that ended in Jan. 2026 was NPR245,984 Mil. Therefore, Citizen Bank International's scaled net operating assets (SNOA) for the quarter that ended in Apr. 2026 was 0.02.

XNEP:CZBIL
66GF Score
Citizen Bank International Ltd XNEP:CZBIL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizen Bank International 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.

Citizen Bank International's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jul. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jul. 2025 )
=(Operating Assets (A: Jul. 2025 )-Operating Liabilities (A: Jul. 2025 ))/Total Assets (A: Jul. 2024 )
=(223714.56-215896.964)/222474.077
=0.04

where

Operating Assets(A: Jul. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=245338.763 - 21624.203
=223714.56

Operating Liabilities(A: Jul. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=222433.456 - 6536.492 - 0
=215896.964

Citizen Bank International's Scaled Net Operating Assets (SNOA) for the quarter that ended in Apr. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Apr. 2026 )
=(Operating Assets (Q: Apr. 2026 )-Operating Liabilities (Q: Apr. 2026 ))/Total Assets (Q: Jan. 2026 )
=(223723.961-219013.418)/245984.387
=0.02

where

Operating Assets(Q: Apr. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=248921.093 - 25197.132
=223723.961

Operating Liabilities(Q: Apr. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=224787.357 - 5773.939 - 0
=219013.418

* 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 0.02 mean?
Citizen Bank International (XNEP:CZBIL) has a Scaled Net Operating Assets of 0.02 as of Apr. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Citizen Bank International and its competitors.
Is Citizen Bank International's Scaled Net Operating Assets too high?
Citizen Bank International's current Scaled Net Operating Assets is 0.02. Overall, Citizen Bank International has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizen Bank International's Scaled Net Operating Assets compare to competitors?
Citizen Bank International's Scaled Net Operating Assets of 0.02 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 Citizen Bank International and its competitors. Citizen Bank International's current Scaled Net Operating Assets is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizen Bank International stock overvalued right now?
Based on GuruFocus' analysis, Citizen Bank International (XNEP:CZBIL) is currently considered Fairly Valued. The stock's GF Value™ is NPR210.73, compared to a current price of NPR202.70 — trading 3.8% below its estimated fair value. The current Scaled Net Operating Assets is 0.02. Citizen Bank International's overall GF Score™ is 66/100 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 Citizen Bank International (XNEP:CZBIL), the current Scaled Net Operating Assets is 0.02 as of Apr. 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 Citizen Bank International (XNEP:CZBIL) Overvalued in 2026?

Based on GuruFocus' analysis, Citizen Bank International stock appears to be undervalued. The current stock price of NPR202.70 is trading 3.8% below its estimated GF Value™ of NPR210.73. GuruFocus considers Citizen Bank International to be Fairly Valued.

Key valuation signals for XNEP:CZBIL:

  • Scaled Net Operating Assets: 0.02
  • GF Value™: NPR210.73 vs. price of NPR202.70 (3.8% below fair value)
  • GF Score™: 66/100 with 1 warning sign

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

Citizen Bank International Business Description

Address Narayanhiti Path, P.O.BOX: 19681, Kathmandu, NPL
Citizen Bank International Ltd operates as a commercial bank. The company provides commercial banking services including agency services, trade finance services, e-commerce services, and trading of gold and silver. Its products include Online Products; Deposits; loans; Cards; and remittances. The operating segments of the group are Banking; Treasury; Cards; and Remittance, of which a majority of revenue is derived from Banking which comprises the product and service of loans and deposits, and generates revenue from interest on a loan.
66GF Score

Get the complete analysis for XNEP:CZBIL

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

NPR202.70
Price
NPR210.73
GF Value