Bank of Valletta (MAL:BOV) Asset Turnover: 0.02 (As of Dec. 2025)


MAL:BOV Bank of Valletta PLC MAL:BOV
42 GF Score
Price €2.13
GF Value €1.81
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Bank of Valletta Asset Turnover?

Bank of Valletta MAL:BOV 42 Asset Turnover is 0.02 as of Dec. 2025. GuruFocus rates MAL:BOV with a GF Score™ of 42/100 and a GF Value™ of €1.81 (Modestly Overvalued). The stock has 9 warning signs investors should review.

Asset Turnover measures how quickly a company turns over its asset through sales. It is calculated as Revenue divided by Total Assets. Bank of Valletta's Revenue for the six months ended in Dec. 2025 was €246.2 Mil. Bank of Valletta's Total Assets for the quarter that ended in Dec. 2025 was €16,220.6 Mil. Therefore, Bank of Valletta's Asset Turnover for the quarter that ended in Dec. 2025 was 0.02.

Asset Turnover is linked to ROE % through Du Pont Formula. Bank of Valletta's annualized ROE % for the quarter that ended in Dec. 2025 was 11.17%. It is also linked to ROA % through Du Pont Formula. Bank of Valletta's annualized ROA % for the quarter that ended in Dec. 2025 was 1.01%.


Bank of Valletta  (MAL:BOV) Asset Turnover Explanation

Asset Turnover is linked to ROE % through Du Pont Formula.

Bank of Valletta's annulized ROE % for the quarter that ended in Dec. 2025 is

ROE %**(Q: Dec. 2025 )
=Net Income/Total Stockholders Equity
=164.454/1472.1175
=(Net Income / Revenue)*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(164.454 / 492.372)*(492.372 / 16220.631)*(16220.631/ 1472.1175)
=Net Margin %*Asset Turnover*Equity Multiplier
=33.4 %*0.0304*11.0186
=ROA %*Equity Multiplier
=1.01 %*11.0186
=11.17 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.

* 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.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.

It is also linked to ROA % through Du Pont Formula:

Bank of Valletta's annulized ROA % for the quarter that ended in Dec. 2025 is

ROA %(Q: Dec. 2025 )
=Net Income/Total Assets
=164.454/16220.631
=(Net Income / Revenue)*(Revenue / Total Assets)
=(164.454 / 492.372)*(492.372 / 16220.631)
=Net Margin %*Asset Turnover
=33.4 %*0.0304
=1.01 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.

* 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.


Be Aware

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.


Bank of Valletta Asset Turnover Related Terms


Bank of Valletta Asset Turnover Historical Data

* Premium members only.

The historical data trend for Bank of Valletta's Asset Turnover can be seen below:

* 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.

Bank of Valletta Asset Turnover Chart

Bank of Valletta Annual Data
Trend Sep16 Sep17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Asset Turnover
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.02 0.02 0.03 0.03 0.03

Bank of Valletta Semi-Annual Data
Mar16 Sep16 Mar17 Sep17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Asset Turnover Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.02 0.02 0.02 0.02 0.02

MAL:BOV vs PNC, USB: Asset Turnover Comparison

For the Banks - Regional subindustry, Bank of Valletta's Asset Turnover, along with its competitors' market caps and Asset Turnover data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Bank of Valletta Asset Turnover vs Banks Industry

For the Banks industry and Financial Services sector, Bank of Valletta's Asset Turnover distribution charts can be found below:

* The bar in red indicates where Bank of Valletta's Asset Turnover falls into.


MAL:BOV
42GF Score
Bank of Valletta PLC MAL:BOV
Asset Turnover is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of Valletta Asset Turnover Calculation

Asset Turnover measures how quickly a company turns over its asset through sales.

Bank of Valletta's Asset Turnover for the fiscal year that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (A: Dec. 2025 )/( (Total Assets (A: Dec. 2024 )+Total Assets (A: Dec. 2025 ))/ count )
=490.143/( (15099.099+16530.323)/ 2 )
=490.143/15814.711
=0.03

Bank of Valletta's Asset Turnover for the quarter that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (Q: Dec. 2025 )/( (Total Assets (Q: Jun. 2025 )+Total Assets (Q: Dec. 2025 ))/ count )
=246.186/( (15910.939+16530.323)/ 2 )
=246.186/16220.631
=0.02

* 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.

Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.

Frequently Asked Questions Learn more about Asset Turnover →
What does a Asset Turnover of 0.02 mean?
Bank of Valletta (MAL:BOV) has a Asset Turnover of 0.02 as of Dec. 2025. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Bank of Valletta and its competitors.
Is Bank of Valletta's Asset Turnover too high?
Bank of Valletta's current Asset Turnover is 0.02. Overall, Bank of Valletta has a GF Score™ of 42/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Valletta's Asset Turnover compare to PNC and USB?
Bank of Valletta's Asset Turnover of 0.02 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 Asset Turnover for a Banks company?
A good Asset Turnover depends on the Banks industry context. However, Asset Turnover 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 Asset Turnover mean?
A high Asset Turnover can signal that a stock is expensive relative to its fundamentals. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Bank of Valletta and its competitors. Bank of Valletta's current Asset Turnover is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Valletta stock overvalued right now?
Based on GuruFocus' analysis, Bank of Valletta (MAL:BOV) is currently considered Modestly Overvalued. The stock's GF Value™ is €1.81, compared to a current price of €2.13 — trading 17.7% above its estimated fair value. The current Asset Turnover is 0.02. Bank of Valletta's overall GF Score™ is 42/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Asset Turnover calculated?
Asset Turnover is calculated from a company's financial statements. For Bank of Valletta (MAL:BOV), the current Asset Turnover is 0.02 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 Bank of Valletta (MAL:BOV) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of Valletta stock appears to be overvalued. The current stock price of €2.13 is trading 17.7% above its estimated GF Value™ of €1.81. GuruFocus considers Bank of Valletta to be Modestly Overvalued.

Key valuation signals for MAL:BOV:

  • Asset Turnover: 0.02
  • GF Value™: €1.81 vs. price of €2.13 (17.7% above fair value)
  • GF Score™: 42/100 with 9 warning signs

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


Bank of Valletta Business Description

Address 58, Triq San Zakkarija, Il-Belt, Valletta, MLT, VLT 1130
Bank of Valletta PLC, along with its subsidiaries, carries out the business of banking and investment services. It offers the entire range of retail banking services as well as the sale of financial products such as units in collective investment schemes. Additionally, the Group offers investment banking services, including underwriting and management of Initial Public Offerings (IPOs). Its reportable segments are: Retail Banking, Wealth Management, Business Banking, Treasury, and Others. Maximum revenue is generated from the Business Banking segment, which includes financing and deposit products for all business client segments attributable to business and corporate centers. The Group caters to both individuals and business clients in Malta.
42GF Score

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Asset Turnover is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€2.13
Price
€1.81
GF Value