Hrvatska Postanska Banka DD (ZAG:HPB) Moat Score: 0/10 (As of Jul. 28, 2026)

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Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ZAG:HPB Hrvatska Postanska Banka DD ZAG:HPB
62 GF Score
Price €338.00
GF Value €251.17
Valuation Significantly Overvalued
! 9 Warning Signs
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What is Hrvatska Postanska Banka DD Moat Score?

Hrvatska Postanska Banka DD has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Hrvatska Postanska Banka DD has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Hrvatska Postanska Banka DD might have No Moat - No discernible moat.

Hrvatska Postanska Banka DD  (ZAG:HPB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Hrvatska Postanska Banka DD Moat Score Related Terms

ZAG:HPB
62GF Score
Hrvatska Postanska Banka DD ZAG:HPB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 €338.00 is trading 34.6% above its estimated GF Value™ of €251.17. GuruFocus considers Hrvatska Postanska Banka DD to be Significantly Overvalued.

Key valuation signals for ZAG:HPB:

  • Moat Score: 0
  • GF Value™: €251.17 vs. price of €338.00 (34.6% 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

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

€338.00
Price
€251.17
GF Value