AGRAM BANKA dionicko drustvo (ZAG:KBZ) Margin of Safety % (DCF Earnings Based): 64.72% (As of Jun. 25, 2026)


ZAG:KBZ AGRAM BANKA dionicko drustvo ZAG:KBZ
80 GF Score
Price €37.80
GF Value €35.55
Valuation Fairly Valued
! 4 Warning Signs
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What is AGRAM BANKA dionicko drustvo Margin of Safety % (DCF Earnings Based)?

AGRAM BANKA dionicko drustvo ZAG:KBZ -0.53% 80 Margin of Safety % (DCF Earnings Based) is 64.72% as of Jun. 25, 2026. GuruFocus rates ZAG:KBZ with a GF Score™ of 80/100 and a GF Value™ of €35.55 (Fairly Valued). The stock has 4 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), AGRAM BANKA dionicko drustvo's Predictability Rank is 2.5-Stars. AGRAM BANKA dionicko drustvo's intrinsic value calculated from the Discounted Earnings model is €107.13 and current share price is €37.80. Consequently,

AGRAM BANKA dionicko drustvo's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 64.72%.

ZAG:KBZ vs PNC, USB: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, AGRAM BANKA dionicko drustvo's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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.

AGRAM BANKA dionicko drustvo Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, AGRAM BANKA dionicko drustvo's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where AGRAM BANKA dionicko drustvo's Margin of Safety % (DCF Earnings Based) falls into.


ZAG:KBZ
80GF Score
AGRAM BANKA dionicko drustvo ZAG:KBZ
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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AGRAM BANKA dionicko drustvo Margin of Safety % (DCF Earnings Based) Calculation

AGRAM BANKA dionicko drustvo's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(107.13-37.80)/107.13
=64.72 %

* 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 intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 64.72% mean?
AGRAM BANKA dionicko drustvo (ZAG:KBZ) has a Margin of Safety % (DCF Earnings Based) of 64.72% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on AGRAM BANKA dionicko drustvo.
Is AGRAM BANKA dionicko drustvo's Margin of Safety % (DCF Earnings Based) too high?
AGRAM BANKA dionicko drustvo's current Margin of Safety % (DCF Earnings Based) is 64.72%. Overall, AGRAM BANKA dionicko drustvo has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AGRAM BANKA dionicko drustvo's Margin of Safety % (DCF Earnings Based) compare to PNC and USB?
AGRAM BANKA dionicko drustvo's Margin of Safety % (DCF Earnings Based) of 64.72% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on AGRAM BANKA dionicko drustvo. AGRAM BANKA dionicko drustvo's current Margin of Safety % (DCF Earnings Based) is 64.72%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AGRAM BANKA dionicko drustvo stock overvalued right now?
Based on GuruFocus' analysis, AGRAM BANKA dionicko drustvo (ZAG:KBZ) is currently considered Fairly Valued. The stock's GF Value™ is €35.55, compared to a current price of €37.80 — trading 6.3% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 64.72%. AGRAM BANKA dionicko drustvo's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For AGRAM BANKA dionicko drustvo (ZAG:KBZ), the current Margin of Safety % (DCF Earnings Based) is 64.72% as of Jun. 25, 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 AGRAM BANKA dionicko drustvo (ZAG:KBZ) Overvalued in 2026?

Based on GuruFocus' analysis, AGRAM BANKA dionicko drustvo stock appears to be overvalued. The current stock price of €37.80 is trading 6.3% above its estimated GF Value™ of €35.55. GuruFocus considers AGRAM BANKA dionicko drustvo to be Fairly Valued.

Key valuation signals for ZAG:KBZ:

  • Margin of Safety % (DCF Earnings Based): 64.72%
  • GF Value™: €35.55 vs. price of €37.80 (6.3% above fair value)
  • GF Score™: 80/100 with 4 warning signs

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

AGRAM BANKA dionicko drustvo Business Description

Address Ulica Grada Vukovara 74, Zagreb, HRV, 10000
AGRAM BANKA dionicko drustvo provides banking services. The company's operating segment includes Business banking; Retail banking; and Treasury. It generates maximum revenue from Business banking which entails loan guarantees and deposit operations, card operations, and other transactions with clients who are legal entities. Geographically, it has a presence in Germany; Italy; Croatia; Austria; the United States of America, and Spain.
80GF Score

Get the complete analysis for ZAG:KBZ

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€37.80
Price
€35.55
GF Value