Union Internationale de Banques (XTUN:UIB) Scaled Net Operating Assets: 0.03 (As of Dec. 2025)


XTUN:UIB Union Internationale de Banques SA XTUN:UIB
82 GF Score
Price TND27.00
GF Value TND24.67
Valuation Fairly Valued
! 3 Warning Signs
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What is Union Internationale de Banques Scaled Net Operating Assets?

Union Internationale de Banques XTUN:UIB 82 Scaled Net Operating Assets is 0.03 as of Dec. 2025. GuruFocus rates XTUN:UIB with a GF Score™ of 82/100 and a GF Value™ of TND24.67 (Fairly Valued). 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.

Union Internationale de Banques's operating assets for the quarter that ended in Dec. 2025 was TND7,802.6 Mil. Union Internationale de Banques's operating liabilities for the quarter that ended in Dec. 2025 was TND7,563.5 Mil. Union Internationale de Banques's Total Assets for the quarter that ended in Dec. 2024 was TND8,301.8 Mil. Therefore, Union Internationale de Banques's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.03.

XTUN:UIB
82GF Score
Union Internationale de Banques SA XTUN:UIB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Internationale de Banques 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.

Union Internationale de Banques'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 )
=(7802.62-7563.5)/8301.814
=0.03

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8775.929 - 973.309
=7802.62

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7676.968 - 113.468 - 0
=7563.5

Union Internationale de Banques'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: Dec. 2024 )
=(7802.62-7563.5)/8301.814
=0.03

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=8775.929 - 973.309
=7802.62

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=7676.968 - 113.468 - 0
=7563.5

* 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 0.03 mean?
Union Internationale de Banques (XTUN:UIB) has a Scaled Net Operating Assets of 0.03 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 Union Internationale de Banques and its competitors.
Is Union Internationale de Banques' Scaled Net Operating Assets too high?
Union Internationale de Banques' current Scaled Net Operating Assets is 0.03. Overall, Union Internationale de Banques has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' Scaled Net Operating Assets compare to PNC and USB?
Union Internationale de Banques' Scaled Net Operating Assets of 0.03 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 Union Internationale de Banques and its competitors. Union Internationale de Banques's current Scaled Net Operating Assets is 0.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Fairly Valued. The stock's GF Value™ is TND24.67, compared to a current price of TND27.00 — trading 9.4% above its estimated fair value. The current Scaled Net Operating Assets is 0.03. Union Internationale de Banques' overall GF Score™ is 82/100 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 Union Internationale de Banques (XTUN:UIB), the current Scaled Net Operating Assets is 0.03 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 Union Internationale de Banques (XTUN:UIB) Overvalued in 2026?

Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued. The current stock price of TND27.00 is trading 9.4% above its estimated GF Value™ of TND24.67. GuruFocus considers Union Internationale de Banques to be Fairly Valued.

Key valuation signals for XTUN:UIB:

  • Scaled Net Operating Assets: 0.03
  • GF Value™: TND24.67 vs. price of TND27.00 (9.4% above fair value)
  • GF Score™: 82/100 with 3 warning signs

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

Union Internationale de Banques Business Description

Address 65 Avenue Habib Bourguiba, Tunis, TUN
Union Internationale de Banques SA is engaged in providing banking services to individuals and businesses, companies and institutions.
82GF Score

Get the complete analysis for XTUN:UIB

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

TND27.00
Price
TND24.67
GF Value