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.
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.
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, Komercijalna Banka AD Skopje's Net Debt Paydown Yield % was -1.90%.
Komercijalna Banka AD Skopje (XMAE:KMB) 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.
* 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.
Komercijalna Banka AD Skopje Net Debt Paydown Yield % Chart
XMAE:KMB vs PNC, USB: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, Komercijalna Banka AD Skopje'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.
Komercijalna Banka AD Skopje Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Komercijalna Banka AD Skopje's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Komercijalna Banka AD Skopje's Net Debt Paydown Yield % falls into.
* 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 -1.90% mean?
Komercijalna Banka AD Skopje (XMAE:KMB) has a Net Debt Paydown Yield % of -1.90% as of Jul. 19, 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 Komercijalna Banka AD Skopje and its competitors. According to the industry distribution chart, Komercijalna Banka AD Skopje ranks #761 out of 1421 companies in the Banks industry, placing it in the top 53.6%.
Is Komercijalna Banka AD Skopje's Net Debt Paydown Yield % too high?
Komercijalna Banka AD Skopje's current Net Debt Paydown Yield % is -1.90%. Based on the distribution chart, Komercijalna Banka AD Skopje ranks #761 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's Net Debt Paydown Yield % compare to PNC and USB?
According to the Banks industry distribution chart, Komercijalna Banka AD Skopje ranks #761 out of 1421 companies for Net Debt Paydown Yield %. This places Komercijalna Banka AD Skopje in the lower half of its 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 Komercijalna Banka AD Skopje and its competitors. Komercijalna Banka AD Skopje's current Net Debt Paydown Yield % is -1.90%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Fairly Valued. The stock's GF Value™ is MKD28,030.39, compared to a current price of MKD26,300.00 — trading 6.2% below its estimated fair value. The current Net Debt Paydown Yield % is -1.90%. Komercijalna Banka AD Skopje's overall GF Score™ is 60/100 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 Komercijalna Banka AD Skopje (XMAE:KMB), the current Net Debt Paydown Yield % is -1.90% as of Jul. 19, 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 Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued.
The current stock price of MKD26,300.00 is trading 6.2% below its estimated GF Value™ of MKD28,030.39.
GuruFocus considers Komercijalna Banka AD Skopje to be Fairly Valued.
Key valuation signals for XMAE:KMB:
Net Debt Paydown Yield %: -1.90%
GF Value™: MKD28,030.39 vs. price of MKD26,300.00 (6.2% below fair value)
No single metric tells the full story. See the XMAE:KMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
60GF Score
Get the complete analysis for XMAE:KMB
Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XMAE:KMB has been successfully added to your 
