Banco Internacional (XSGO:BINT) Scaled Net Operating Assets: 0.40 (As of Dec. 2025)


XSGO:BINT Banco Internacional XSGO:BINT
55 GF Score
Price CLP122.39
GF Value CLP88.39
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Banco Internacional Scaled Net Operating Assets?

Banco Internacional XSGO:BINT 55 Scaled Net Operating Assets is 0.40 as of Dec. 2025. GuruFocus rates XSGO:BINT with a GF Score™ of 55/100 and a GF Value™ of CLP88.39 (Significantly Overvalued). The stock has 5 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.

Banco Internacional's operating assets for the quarter that ended in Dec. 2025 was CLP5,367,594 Mil. Banco Internacional's operating liabilities for the quarter that ended in Dec. 2025 was CLP3,223,721 Mil. Banco Internacional's Total Assets for the quarter that ended in Sep. 2025 was CLP5,383,948 Mil. Therefore, Banco Internacional's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.40.

XSGO:BINT
55GF Score
Banco Internacional XSGO:BINT
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Banco Internacional 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.

Banco Internacional'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 )
=(5367594-3223721)/4997138
=0.43

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5579402 - 211808
=5367594

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5144864 - 1921143 - 0
=3223721

Banco Internacional'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 )
=(5367594-3223721)/5383948
=0.40

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=5579402 - 211808
=5367594

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5144864 - 1921143 - 0
=3223721

* 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 0.40 mean?
Banco Internacional (XSGO:BINT) has a Scaled Net Operating Assets of 0.40 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 Banco Internacional and its competitors.
Is Banco Internacional's Scaled Net Operating Assets too high?
Banco Internacional's current Scaled Net Operating Assets is 0.40. Overall, Banco Internacional has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Internacional's Scaled Net Operating Assets compare to PNC and USB?
Banco Internacional's Scaled Net Operating Assets of 0.40 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 Banco Internacional and its competitors. Banco Internacional's current Scaled Net Operating Assets is 0.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Internacional stock overvalued right now?
Based on GuruFocus' analysis, Banco Internacional (XSGO:BINT) is currently considered Significantly Overvalued. The stock's GF Value™ is CLP88.39, compared to a current price of CLP122.39 — trading 38.5% above its estimated fair value. The current Scaled Net Operating Assets is 0.40. Banco Internacional's overall GF Score™ is 55/100 with 5 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 Banco Internacional (XSGO:BINT), the current Scaled Net Operating Assets is 0.40 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 Banco Internacional (XSGO:BINT) Overvalued in 2026?

Based on GuruFocus' analysis, Banco Internacional stock appears to be overvalued. The current stock price of CLP122.39 is trading 38.5% above its estimated GF Value™ of CLP88.39. GuruFocus considers Banco Internacional to be Significantly Overvalued.

Key valuation signals for XSGO:BINT:

  • Scaled Net Operating Assets: 0.40
  • GF Value™: CLP88.39 vs. price of CLP122.39 (38.5% above fair value)
  • GF Score™: 55/100 with 5 warning signs

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

Banco Internacional Business Description

Address Avenida Apoquindo 6750, Piso 16, Las Condes, Santiago, CHL
Banco Internacional is engaged in providing banking products and services including retail & corporate banking including current accounts, insurance, leasing, factoring, money market and agricultural banking. It also provides mortgage credit, consumer credit, and online bank service. The operating segments of the company are: Commercial Banking; Personal Banking; and Treasury and Investments.
55GF Score

Get the complete analysis for XSGO:BINT

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

CLP122.39
Price
CLP88.39
GF Value