Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) EV-to-OCF: -0.71 (As of Jul. 15, 2026)

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XBLB:KRLB-R-A Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A
18 GF Score
Price BAM1.14
GF Value BAM1.31
! 3 Warning Signs
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What is Hypo Alpe-Adria Bank AD EV-to-OCF?

Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A 18 EV-to-OCF is -0.71 as of Jul. 15, 2026. GuruFocus rates XBLB:KRLB-R-A with a GF Score™ of 18/100 and a GF Value™ of BAM1.31. The stock has 3 warning signs investors should review.

EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Hypo Alpe-Adria Bank AD's Enterprise Value is BAM37.57 Mil. Hypo Alpe-Adria Bank AD's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was BAM-52.87 Mil. Therefore, Hypo Alpe-Adria Bank AD's EV-to-OCF for today is -0.71.

The historical rank and industry rank for Hypo Alpe-Adria Bank AD's EV-to-OCF or its related term are showing as below:

XBLB:KRLB-R-A' s EV-to-OCF Range Over the Past 10 Years
Min: -19.81   Med: -0.71   Max: 0.32
Current: -0.71

During the past 13 years, the highest EV-to-OCF of Hypo Alpe-Adria Bank AD was 0.32. The lowest was -19.81. And the median was -0.71.

XBLB:KRLB-R-A's EV-to-OCF is not ranked
in the Banks industry.
Industry Median: 3.76 vs XBLB:KRLB-R-A: -0.71

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-15), Hypo Alpe-Adria Bank AD's stock price is BAM1.14. Hypo Alpe-Adria Bank AD's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was BAM0.175. Therefore, Hypo Alpe-Adria Bank AD's PE Ratio (TTM) for today is 6.51.


Hypo Alpe-Adria Bank AD  (XBLB:KRLB-R-A) EV-to-OCF Explanation

EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Hypo Alpe-Adria Bank AD's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=1.14/0.175
=6.51

Hypo Alpe-Adria Bank AD's share price for today is BAM1.14.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Hypo Alpe-Adria Bank AD's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was BAM0.175.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Hypo Alpe-Adria Bank AD EV-to-OCF Related Terms


Hypo Alpe-Adria Bank AD EV-to-OCF Historical Data

* Premium members only.

The historical data trend for Hypo Alpe-Adria Bank AD's EV-to-OCF 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.

Hypo Alpe-Adria Bank AD EV-to-OCF Chart

Hypo Alpe-Adria Bank AD Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EV-to-OCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.85 -18.64 -1.90 -4.48 -0.71

Hypo Alpe-Adria Bank AD Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
EV-to-OCF 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 -1.90 0.00 -4.48 0.00 -0.71

XBLB:KRLB-R-A vs PNC, USB, NU: EV-to-OCF Comparison

For the Banks - Regional subindustry, Hypo Alpe-Adria Bank AD's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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.


Hypo Alpe-Adria Bank AD EV-to-OCF vs Banks Industry

For the Banks industry and Financial Services sector, Hypo Alpe-Adria Bank AD's EV-to-OCF distribution charts can be found below:

* The bar in red indicates where Hypo Alpe-Adria Bank AD's EV-to-OCF falls into.


XBLB:KRLB-R-A
18GF Score
Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A
EV-to-OCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Hypo Alpe-Adria Bank AD EV-to-OCF Calculation

Hypo Alpe-Adria Bank AD's EV-to-OCF for today is calculated as:

EV-to-OCF=Enterprise Value (Today)/Cash Flow from Operations (TTM)
=37.573/-52.866
=-0.71

Hypo Alpe-Adria Bank AD's current Enterprise Value is BAM37.57 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Hypo Alpe-Adria Bank AD's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was BAM-52.87 Mil.

* 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.

Frequently Asked Questions Learn more about EV-to-OCF →
What does a EV-to-OCF of -0.71 mean?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a EV-to-OCF of -0.71 as of Jul. 15, 2026.
Is Hypo Alpe-Adria Bank AD's EV-to-OCF too high?
Hypo Alpe-Adria Bank AD's current EV-to-OCF is -0.71. Overall, Hypo Alpe-Adria Bank AD has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Hypo Alpe-Adria Bank AD's EV-to-OCF compare to PNC and USB?
Hypo Alpe-Adria Bank AD's EV-to-OCF of -0.71 can be compared against companies in the Banks industry. The industry median EV-to-OCF is 3.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.76, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hypo Alpe-Adria Bank AD's current EV-to-OCF is -0.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hypo Alpe-Adria Bank AD stock overvalued right now?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a current EV-to-OCF of -0.71. The stock's GF Value™ is BAM1.31, compared to a current price of BAM1.14 — trading 13% below its estimated fair value. The current EV-to-OCF is -0.71. Hypo Alpe-Adria Bank AD's overall GF Score™ is 18/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A), the current EV-to-OCF is -0.71 as of Jul. 15, 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 Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Hypo Alpe-Adria Bank AD stock appears to be undervalued. The current stock price of BAM1.14 is trading 13% below its estimated GF Value™ of BAM1.31.

Key valuation signals for XBLB:KRLB-R-A:

  • EV-to-OCF: -0.71
  • GF Value™: BAM1.31 vs. price of BAM1.14 (13% below fair value)
  • GF Score™: 18/100 with 3 warning signs

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


Hypo Alpe-Adria Bank AD Business Description

Address No. 13, Aleja Svetog Save Street, Banja Luka, BIH, 78000
Hypo Alpe-Adria Bank AD is a bank. It is engaged in providing financial products and services. The company's operating segment includes Consumer; SME Business; Mortgage; Large Corporates; Public Finance; and Corporate Center. It offers products and services including loans, leasing, savings, currency exchange, mobile banking, advisory services, deposits, and investment banking services. It generates the majority of its revenue from the Consumer segment.
18GF Score

Get the complete analysis for XBLB:KRLB-R-A

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

BAM1.14
Price
BAM1.31
GF Value