Prime Commercial Bank (XNEP:PCBL) Scaled Net Operating Assets: 0.05 (As of Apr. 2026)


XNEP:PCBL Prime Commercial Bank Ltd XNEP:PCBL
95 GF Score
Price NPR234.00
GF Value NPR258.25
Valuation Fairly Valued
! 1 Warning Sign
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What is Prime Commercial Bank Scaled Net Operating Assets?

Prime Commercial Bank XNEP:PCBL -1.14% 95 Scaled Net Operating Assets is 0.05 as of Apr. 2026. GuruFocus rates XNEP:PCBL with a GF Score™ of 95/100 and a GF Value™ of NPR258.25 (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.

Prime Commercial Bank's operating assets for the quarter that ended in Apr. 2026 was NPR294,432 Mil. Prime Commercial Bank's operating liabilities for the quarter that ended in Apr. 2026 was NPR278,842 Mil. Prime Commercial Bank's Total Assets for the quarter that ended in Jan. 2026 was NPR319,678 Mil. Therefore, Prime Commercial Bank's scaled net operating assets (SNOA) for the quarter that ended in Apr. 2026 was 0.05.

XNEP:PCBL
95GF Score
Prime Commercial Bank Ltd XNEP:PCBL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Prime Commercial 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.

Prime Commercial Bank'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 )
=(279605.474-270768.181)/267002.385
=0.03

where

Operating Assets(A: Jul. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=316491.566 - 36886.092
=279605.474

Operating Liabilities(A: Jul. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=283601.088 - 12832.907 - 0
=270768.181

Prime Commercial Bank'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 )
=(294432.293-278842.4)/319678.211
=0.05

where

Operating Assets(Q: Apr. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=325394.311 - 30962.018
=294432.293

Operating Liabilities(Q: Apr. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=289503.307 - 10660.907 - 0
=278842.4

* 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 0.05 mean?
Prime Commercial Bank (XNEP:PCBL) has a Scaled Net Operating Assets of 0.05 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 Prime Commercial Bank and its competitors.
Is Prime Commercial Bank's Scaled Net Operating Assets too high?
Prime Commercial Bank's current Scaled Net Operating Assets is 0.05. Overall, Prime Commercial Bank has a GF Score™ of 95/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Prime Commercial Bank's Scaled Net Operating Assets compare to competitors?
Prime Commercial Bank's Scaled Net Operating Assets of 0.05 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 Prime Commercial Bank and its competitors. Prime Commercial Bank's current Scaled Net Operating Assets is 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Prime Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Prime Commercial Bank (XNEP:PCBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR258.25, compared to a current price of NPR234.00 — trading 9.4% below its estimated fair value. The current Scaled Net Operating Assets is 0.05. Prime Commercial Bank's overall GF Score™ is 95/100 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 Prime Commercial Bank (XNEP:PCBL), the current Scaled Net Operating Assets is 0.05 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 Prime Commercial Bank (XNEP:PCBL) Overvalued in 2026?

Based on GuruFocus' analysis, Prime Commercial Bank stock appears to be undervalued. The current stock price of NPR234.00 is trading 9.4% below its estimated GF Value™ of NPR258.25. GuruFocus considers Prime Commercial Bank to be Fairly Valued.

Key valuation signals for XNEP:PCBL:

  • Scaled Net Operating Assets: 0.05
  • GF Value™: NPR258.25 vs. price of NPR234.00 (9.4% below fair value)
  • GF Score™: 95/100 with 1 warning sign

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

Prime Commercial Bank Business Description

Address Kamalpokhari, Kathmandu, NPL
Prime Commercial Bank Ltd is a commercial bank in Nepal. The company's operating segment includes Banking Operation; Treasury; Card and Others. It generates maximum revenue from the Banking Operation segment. The company is engaged in providing personal banking, business banking, retail banking and other services including SMS banking, E-Banking services, and other remittance services.
95GF Score

Get the complete analysis for XNEP:PCBL

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

NPR234.00
Price
NPR258.25
GF Value