Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) Net Debt Paydown Yield % : -14.94% (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 Net Debt Paydown Yield %?

Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A 18 Net Debt Paydown Yield % is -14.94% 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.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, Hypo Alpe-Adria Bank AD's Net Debt Paydown Yield % was -14.94%.


Hypo Alpe-Adria Bank AD  (XBLB:KRLB-R-A) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


Hypo Alpe-Adria Bank AD Net Debt Paydown Yield % Related Terms


Hypo Alpe-Adria Bank AD Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for Hypo Alpe-Adria Bank AD's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart

Hypo Alpe-Adria Bank AD Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10.51 8.62 6.70 1.10 -14.94

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
Net Debt Paydown Yield % 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 6.70 4.41 1.10 -6.20 -14.94

XBLB:KRLB-R-A vs PNC, USB, NU: Net Debt Paydown Yield % Comparison

For the Banks - Regional subindustry, Hypo Alpe-Adria Bank AD's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Hypo Alpe-Adria Bank AD's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where Hypo Alpe-Adria Bank AD's Net Debt Paydown Yield % falls into.


XBLB:KRLB-R-A
18GF Score
Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Hypo Alpe-Adria Bank AD Net Debt Paydown Yield % Calculation

Hypo Alpe-Adria Bank AD's Net Debt Paydown Yield % for the quarter that ended in Dec. 2025 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 14.14-40.21 )/174.52716
=-14.94 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of -14.94% mean?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a Net Debt Paydown Yield % of -14.94% as of Jul. 15, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Hypo Alpe-Adria Bank AD and its competitors.
Is Hypo Alpe-Adria Bank AD's Net Debt Paydown Yield % too high?
Hypo Alpe-Adria Bank AD's current Net Debt Paydown Yield % is -14.94%. 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 Net Debt Paydown Yield % compare to PNC and USB?
Hypo Alpe-Adria Bank AD's Net Debt Paydown Yield % of -14.94% 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 Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Hypo Alpe-Adria Bank AD and its competitors. Hypo Alpe-Adria Bank AD's current Net Debt Paydown Yield % is -14.94%. 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 Net Debt Paydown Yield % of -14.94%. 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 Net Debt Paydown Yield % is -14.94%. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A), the current Net Debt Paydown Yield % is -14.94% 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:

  • Net Debt Paydown Yield %: -14.94%
  • 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

Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM1.14
Price
BAM1.31
GF Value