Michlol Finance (XTAE:MCLL) Scaled Net Operating Assets: 0.85 (As of Mar. 2026)


XTAE:MCLL Michlol Finance Ltd XTAE:MCLL
69 GF Score
Price ₪12.80
GF Value ₪8.99
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Michlol Finance Scaled Net Operating Assets?

Michlol Finance XTAE:MCLL -1.08% 69 Scaled Net Operating Assets is 0.85 as of Mar. 2026. GuruFocus rates XTAE:MCLL with a GF Score™ of 69/100 and a GF Value™ of ₪8.99 (Significantly Overvalued). The stock has 3 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.

Michlol Finance's operating assets for the quarter that ended in Mar. 2026 was ₪2,196.0 Mil. Michlol Finance's operating liabilities for the quarter that ended in Mar. 2026 was ₪121.7 Mil. Michlol Finance's Total Assets for the quarter that ended in Dec. 2025 was ₪2,429.2 Mil. Therefore, Michlol Finance's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.85.

XTAE:MCLL
69GF Score
Michlol Finance Ltd XTAE:MCLL
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Michlol Finance 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.

Michlol Finance'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 )
=(2378.477-109.666)/1631.378
=1.39

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2429.198 - 50.721
=2378.477

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2023.009 - 1913.343 - 0
=109.666

Michlol Finance's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(2196.028-121.74)/2429.198
=0.85

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2753.762 - 557.734
=2196.028

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2316.823 - 2195.083 - 0
=121.74

* 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 0.85 mean?
Michlol Finance (XTAE:MCLL) has a Scaled Net Operating Assets of 0.85 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Michlol Finance and its competitors.
Is Michlol Finance's Scaled Net Operating Assets too high?
Michlol Finance's current Scaled Net Operating Assets is 0.85. Overall, Michlol Finance has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Michlol Finance's Scaled Net Operating Assets compare to V and MA?
Michlol Finance's Scaled Net Operating Assets of 0.85 can be compared against companies in the Credit Services 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 Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services 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 Michlol Finance and its competitors. Michlol Finance's current Scaled Net Operating Assets is 0.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Michlol Finance stock overvalued right now?
Based on GuruFocus' analysis, Michlol Finance (XTAE:MCLL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪8.99, compared to a current price of ₪12.80 — trading 42.4% above its estimated fair value. The current Scaled Net Operating Assets is 0.85. Michlol Finance's overall GF Score™ is 69/100 with 3 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 Michlol Finance (XTAE:MCLL), the current Scaled Net Operating Assets is 0.85 as of Mar. 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 Michlol Finance (XTAE:MCLL) Overvalued in 2026?

Based on GuruFocus' analysis, Michlol Finance stock appears to be overvalued. The current stock price of ₪12.80 is trading 42.4% above its estimated GF Value™ of ₪8.99. GuruFocus considers Michlol Finance to be Significantly Overvalued.

Key valuation signals for XTAE:MCLL:

  • Scaled Net Operating Assets: 0.85
  • GF Value™: ₪8.99 vs. price of ₪12.80 (42.4% above fair value)
  • GF Score™: 69/100 with 3 warning signs

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

Michlol Finance Business Description

Address Masada 7, BSR 4, 17th Floor, Bnei Brak, ISR
Michlol Finance Ltd is a non-bank credit company that provides financing with closed support to entrepreneurs and construction companies.
69GF Score

Get the complete analysis for XTAE:MCLL

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

₪12.80
Price
₪8.99
GF Value