Hrvatska Postanska Banka DD (ZAG:HPB) E10: €25.64 (As of Mar. 2026)


ZAG:HPB Hrvatska Postanska Banka DD ZAG:HPB
62 GF Score
Price €324.00
GF Value €249.41
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Hrvatska Postanska Banka DD E10?

Hrvatska Postanska Banka DD ZAG:HPB +1.89% 62 E10 is €25.64 as of Mar. 2026. GuruFocus rates ZAG:HPB with a GF Score™ of 62/100 and a GF Value™ of €249.41 (Modestly Overvalued). The stock has 9 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Hrvatska Postanska Banka DD's adjusted earnings per share data for the three months ended in Mar. 2026 was €7.525. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €25.64 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Hrvatska Postanska Banka DD's average E10 Growth Rate was 8.70% per year. During the past 3 years, the average E10 Growth Rate was 100.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Hrvatska Postanska Banka DD was 100.50% per year. The lowest was 100.50% per year. And the median was 100.50% per year.

As of today (2026-07-08), Hrvatska Postanska Banka DD's current stock price is €324.00. Hrvatska Postanska Banka DD's E10 for the quarter that ended in Mar. 2026 was €25.64. Hrvatska Postanska Banka DD's Shiller PE Ratio of today is 12.64.

During the past 13 years, the highest Shiller PE Ratio of Hrvatska Postanska Banka DD was 218.20. The lowest was 10.95. And the median was 27.45.


Hrvatska Postanska Banka DD  (ZAG:HPB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Hrvatska Postanska Banka DD's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=324.00/25.64
=12.64

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Hrvatska Postanska Banka DD was 218.20. The lowest was 10.95. And the median was 27.45.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Hrvatska Postanska Banka DD E10 Related Terms


Hrvatska Postanska Banka DD E10 Historical Data

* Premium members only.

The historical data trend for Hrvatska Postanska Banka DD's E10 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.

Hrvatska Postanska Banka DD E10 Chart

Hrvatska Postanska Banka DD Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 3.05 6.02 23.59 24.57

Hrvatska Postanska Banka DD Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Dec25 Mar26
E10 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 23.59 23.74 24.41 24.57 25.64

ZAG:HPB vs PNC, USB: E10 Comparison

For the Banks - Regional subindustry, Hrvatska Postanska Banka DD's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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.


Hrvatska Postanska Banka DD Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Hrvatska Postanska Banka DD's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Hrvatska Postanska Banka DD's Shiller PE Ratio falls into.


ZAG:HPB
62GF Score
Hrvatska Postanska Banka DD ZAG:HPB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Hrvatska Postanska Banka DD E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Hrvatska Postanska Banka DD's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=7.525/330.2130*330.2130
=7.525

Current CPI (Mar. 2026) = 330.2130.

Hrvatska Postanska Banka DD Quarterly Data

per share eps CPI Adj_EPS
201603 3.190 238.132 4.424
201606 3.056 241.018 4.187
201609 3.726 241.428 5.096
201612 2.297 241.432 3.142
201703 0.268 243.801 0.363
201706 -4.453 244.955 -6.003
201709 4.286 246.819 5.734
201712 0.461 246.524 0.617
201803 4.443 249.554 5.879
201806 1.761 251.989 2.308
201809 1.868 252.439 2.444
201812 2.242 251.233 2.947
201903 4.301 254.202 5.587
201906 4.139 256.143 5.336
201909 3.458 256.759 4.447
201912 -2.161 256.974 -2.777
202003 2.327 258.115 2.977
202006 5.203 257.797 6.665
202009 3.272 260.280 4.151
202012 0.946 260.474 1.199
202103 2.584 264.877 3.221
202106 6.908 271.696 8.396
202109 3.846 274.310 4.630
202112 -0.382 278.802 -0.452
202203 2.038 287.504 2.341
202206 67.911 296.311 75.681
202209 3.708 296.808 4.125
202212 -11.065 296.797 -12.311
202303 10.041 301.836 10.985
202306 12.046 305.109 13.037
202309 11.539 307.789 12.380
202312 7.416 306.746 7.983
202403 11.766 312.332 12.440
202406 10.471 314.175 11.006
202409 8.013 315.301 8.392
202412 6.071 315.605 6.352
202503 7.573 319.799 7.820
202506 10.343 322.561 10.588
202512 3.509 324.054 3.576
202603 7.525 330.213 7.525

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €25.64 mean?
Hrvatska Postanska Banka DD (ZAG:HPB) has a E10 of €25.64 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Hrvatska Postanska Banka DD and its competitors.
Is Hrvatska Postanska Banka DD's E10 too high?
Hrvatska Postanska Banka DD's current E10 is €25.64. Overall, Hrvatska Postanska Banka DD has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hrvatska Postanska Banka DD's E10 compare to PNC and USB?
Hrvatska Postanska Banka DD's E10 of €25.64 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Hrvatska Postanska Banka DD and its competitors. Hrvatska Postanska Banka DD's current E10 is €25.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hrvatska Postanska Banka DD stock overvalued right now?
Based on GuruFocus' analysis, Hrvatska Postanska Banka DD (ZAG:HPB) is currently considered Modestly Overvalued. The stock's GF Value™ is €249.41, compared to a current price of €324.00 — trading 29.9% above its estimated fair value. The current E10 is €25.64. Hrvatska Postanska Banka DD's overall GF Score™ is 62/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Hrvatska Postanska Banka DD (ZAG:HPB), the current E10 is €25.64 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 Hrvatska Postanska Banka DD (ZAG:HPB) Overvalued in 2026?

Based on GuruFocus' analysis, Hrvatska Postanska Banka DD stock appears to be overvalued. The current stock price of €324.00 is trading 29.9% above its estimated GF Value™ of €249.41. GuruFocus considers Hrvatska Postanska Banka DD to be Modestly Overvalued.

Key valuation signals for ZAG:HPB:

  • E10: €25.64
  • GF Value™: €249.41 vs. price of €324.00 (29.9% above fair value)
  • GF Score™: 62/100 with 9 warning signs

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


Hrvatska Postanska Banka DD Business Description

Address Jurisiceva ulica 4, Zagreb, HRV, 10000
Hrvatska Postanska Banka DD offers loans, deposits, and other transactions and balances to its customers. The company operates in segments including Corporate Banking, Retail Banking, Financial Market, and Other. The firm generates key revenue from the Financial Market segment. It offers HRK and foreign currency savings and savings for children, HPB Combination packages of products for employed persons, retired persons, and students, a wide range of loans for citizens, modern card products, and electronic banking services. The company offers its corporate clients the services of financial consulting, cash management, and asset management.
62GF Score

Get the complete analysis for ZAG:HPB

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€324.00
Price
€249.41
GF Value