Nepal SBI Bank (XNEP:SBI) Scaled Net Operating Assets: -0.12 (As of Jul. 2026)

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XNEP:SBI Nepal SBI Bank Ltd XNEP:SBI
79 GF Score
Price NPR404.90
GF Value NPR401.93
Valuation Fairly Valued
! 2 Warning Signs
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What is Nepal SBI Bank Scaled Net Operating Assets?

Nepal SBI Bank XNEP:SBI +0.97% 79 Scaled Net Operating Assets is -0.12 as of Jul. 2026. GuruFocus rates XNEP:SBI with a GF Score™ of 79/100 and a GF Value™ of NPR401.93 (Fairly Valued). 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.

Nepal SBI Bank's operating assets for the quarter that ended in Jul. 2026 was NPR187,506 Mil. Nepal SBI Bank's operating liabilities for the quarter that ended in Jul. 2026 was NPR217,468 Mil. Nepal SBI Bank's Total Assets for the quarter that ended in Apr. 2026 was NPR254,802 Mil. Therefore, Nepal SBI Bank's scaled net operating assets (SNOA) for the quarter that ended in Jul. 2026 was -0.12.

XNEP:SBI
79GF Score
Nepal SBI Bank Ltd XNEP:SBI
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Nepal SBI 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.

Nepal SBI Bank's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Jul. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Jul. 2026 )
=(Operating Assets (A: Jul. 2026 )-Operating Liabilities (A: Jul. 2026 ))/Total Assets (A: Jul. 2025 )
=(187506.214-217468.23)/232828.29
=-0.13

where

Operating Assets(A: Jul. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=248495.074 - 60988.86
=187506.214

Operating Liabilities(A: Jul. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=226310.254 - 8842.024 - 0
=217468.23

Nepal SBI Bank's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jul. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jul. 2026 )
=(Operating Assets (Q: Jul. 2026 )-Operating Liabilities (Q: Jul. 2026 ))/Total Assets (Q: Apr. 2026 )
=(187506.214-217468.23)/254801.686
=-0.12

where

Operating Assets(Q: Jul. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=248495.074 - 60988.86
=187506.214

Operating Liabilities(Q: Jul. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=226310.254 - 8842.024 - 0
=217468.23

* 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 -0.12 mean?
Nepal SBI Bank (XNEP:SBI) has a Scaled Net Operating Assets of -0.12 as of Jul. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Nepal SBI Bank and its competitors.
Is Nepal SBI Bank's Scaled Net Operating Assets too high?
Nepal SBI Bank's current Scaled Net Operating Assets is -0.12. Overall, Nepal SBI Bank has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nepal SBI Bank's Scaled Net Operating Assets compare to competitors?
Nepal SBI Bank's Scaled Net Operating Assets of -0.12 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 Nepal SBI Bank and its competitors. Nepal SBI Bank's current Scaled Net Operating Assets is -0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nepal SBI Bank stock overvalued right now?
Based on GuruFocus' analysis, Nepal SBI Bank (XNEP:SBI) is currently considered Fairly Valued. The stock's GF Value™ is NPR401.93, compared to a current price of NPR404.90 — trading 0.7% above its estimated fair value. The current Scaled Net Operating Assets is -0.12. Nepal SBI Bank's overall GF Score™ is 79/100 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 Nepal SBI Bank (XNEP:SBI), the current Scaled Net Operating Assets is -0.12 as of Jul. 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 Nepal SBI Bank (XNEP:SBI) Overvalued in 2026?

Based on GuruFocus' analysis, Nepal SBI Bank stock appears to be overvalued. The current stock price of NPR404.90 is trading 0.7% above its estimated GF Value™ of NPR401.93. GuruFocus considers Nepal SBI Bank to be Fairly Valued.

Key valuation signals for XNEP:SBI:

  • Scaled Net Operating Assets: -0.12
  • GF Value™: NPR401.93 vs. price of NPR404.90 (0.7% above fair value)
  • GF Score™: 79/100 with 2 warning signs

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


Nepal SBI Bank Business Description

Address Ward No. 28, Kamaladi, Bagmati Province, Kathmandu, NPL
Nepal SBI Bank Ltd is a commercial bank operating in Nepal, providing banking and financial services to retail, SME, and corporate customers. The bank's offerings include deposit products, loan facilities such as housing, vehicle, business, SME, education, and corporate loans, and various transaction-based services. Its remittance and fund transfer services comprise RTGS/NEFT, SWIFT, and domestic remittance, along with domestic and international remittance services. The bank's card product portfolio includes Nepal SBI Debit Card, Nepal SBI Insta Debit Card, and Vishwa Yatra Card. In addition, it provides ancillary services such as safe deposit lockers and utility bill payments. It operates in an extensive network of branches, extension counters, and ATM terminals across the country.
79GF Score

Get the complete analysis for XNEP:SBI

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

NPR404.90
Price
NPR401.93
GF Value