Guardian Micro Life Insurance (XNEP:GMLI) Scaled Net Operating Assets: 0.55 (As of Apr. 2026)

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XNEP:GMLI Guardian Micro Life Insurance Ltd XNEP:GMLI
40 GF Score
Price NPR1,137.10
! 2 Warning Signs
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What is Guardian Micro Life Insurance Scaled Net Operating Assets?

Guardian Micro Life Insurance XNEP:GMLI -1.55% 40 Scaled Net Operating Assets is 0.55 as of Apr. 2026. GuruFocus rates XNEP:GMLI with a GF Score™ of 40/100. 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.

Guardian Micro Life Insurance's operating assets for the quarter that ended in Apr. 2026 was NPR1,141.7 Mil. Guardian Micro Life Insurance's operating liabilities for the quarter that ended in Apr. 2026 was NPR458.1 Mil. Guardian Micro Life Insurance's Total Assets for the quarter that ended in Jan. 2026 was NPR1,233.3 Mil. Therefore, Guardian Micro Life Insurance's scaled net operating assets (SNOA) for the quarter that ended in Apr. 2026 was 0.55.

XNEP:GMLI
40GF Score
Guardian Micro Life Insurance Ltd XNEP:GMLI
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Guardian Micro Life Insurance 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.

Guardian Micro Life Insurance'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 )
=(1058.13-282.178)/564.809
=1.37

where

Operating Assets(A: Jul. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1076.791 - 18.661
=1058.13

Operating Liabilities(A: Jul. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=288.245 - 6.067 - 0
=282.178

Guardian Micro Life Insurance'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 )
=(1141.672-458.142)/1233.321
=0.55

where

Operating Assets(Q: Apr. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1261.273 - 119.601
=1141.672

Operating Liabilities(Q: Apr. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=458.142 - 0 - 0
=458.142

* 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 0.55 mean?
Guardian Micro Life Insurance (XNEP:GMLI) has a Scaled Net Operating Assets of 0.55 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 Guardian Micro Life Insurance and its competitors.
Is Guardian Micro Life Insurance's Scaled Net Operating Assets too high?
Guardian Micro Life Insurance's current Scaled Net Operating Assets is 0.55. Overall, Guardian Micro Life Insurance has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Guardian Micro Life Insurance's Scaled Net Operating Assets compare to AFL and MET?
Guardian Micro Life Insurance's Scaled Net Operating Assets of 0.55 can be compared against companies in the Insurance 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 an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance 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 Guardian Micro Life Insurance and its competitors. Guardian Micro Life Insurance's current Scaled Net Operating Assets is 0.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guardian Micro Life Insurance stock overvalued right now?
Guardian Micro Life Insurance (XNEP:GMLI) has a current Scaled Net Operating Assets of 0.55. The current Scaled Net Operating Assets is 0.55. Guardian Micro Life Insurance's overall GF Score™ is 40/100 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 Guardian Micro Life Insurance (XNEP:GMLI), the current Scaled Net Operating Assets is 0.55 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.

Guardian Micro Life Insurance Business Description

Address Munalpath, Biratnagar, NPL
Guardian Micro Life Insurance Ltd life insurance company in Nepal. It offers a range of insurance products tailored to meet needs and budget, with personalized advice from experienced professionals. Its products are Micro Term Plan, Micro Endowment Plan, Micro Group Plan, Micro Moneyback Plan, and Micro Whole Life Plan.
40GF 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.

NPR1,137.10
Price