The historical rank and industry rank for Hrvatska Postanska Banka DD's Net Margin % or its related term are showing as below:
ZAG:HPB'
s Net Margin % Range Over the Past 10 Years
Min: 1.22 Med: 23.23 Max: 92.45
Current: 28.48
ZAG:HPB's Net Margin % is ranked better than 56.15% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs ZAG:HPB: 28.48
Hrvatska Postanska Banka DD (ZAG:HPB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Hrvatska Postanska Banka DD Net Margin % Related Terms
Hrvatska Postanska Banka DD Net Margin % Historical Data
* 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.
For the Banks - Regional subindustry, Hrvatska Postanska Banka DD's Net Margin %, along with its competitors' market caps and Net Margin % 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.
Hrvatska Postanska Banka DD Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hrvatska Postanska Banka DD's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hrvatska Postanska Banka DD's Net Margin % 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.
Hrvatska Postanska Banka DD (ZAG:HPB) has a Net Margin % of 30.38% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Hrvatska Postanska Banka DD and its competitors. This is 31% above median its historical median of 23.23. Over the past decade, Hrvatska Postanska Banka DD's Net Margin % has ranged from 1.22 to 92.45. According to the industry distribution chart, Hrvatska Postanska Banka DD ranks #670 out of 1528 companies in the Banks industry, placing it in the top 43.8%.
Is Hrvatska Postanska Banka DD's Net Margin % too high?
Hrvatska Postanska Banka DD's current Net Margin % of 30.38% is 31% above median its 10-year median of 23.23. Over the past 10 years, this metric has ranged from a low of 1.22 to a high of 92.45. The Banks industry median Net Margin % is 26.85. Hrvatska Postanska Banka DD's value of 30.38% is 13.2% above this industry median. Based on the distribution chart, Hrvatska Postanska Banka DD ranks #670 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Hrvatska Postanska Banka DD has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hrvatska Postanska Banka DD's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Hrvatska Postanska Banka DD ranks #670 out of 1528 companies for Net Margin %. This puts Hrvatska Postanska Banka DD in the upper half of its industry. The industry median Net Margin % is 26.85. Hrvatska Postanska Banka DD's value of 30.38% is 13.2% above this benchmark. Historically, Hrvatska Postanska Banka DD's own Net Margin % has ranged from 1.22 to 92.45 over the past decade. While the company's 10-year median is 23.23 vs. the industry median of 26.85, Hrvatska Postanska Banka DD has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hrvatska Postanska Banka DD's current Net Margin % of 30.38% is 13.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Hrvatska Postanska Banka DD and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hrvatska Postanska Banka DD's current Net Margin % is 30.38%, which is 31% above median its own 10-year median of 23.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hrvatska Postanska Banka DD stock overvalued right now?
Based on GuruFocus' analysis, Hrvatska Postanska Banka DD (ZAG:HPB) is currently considered Modestly Overvalued. The stock's GF Value™ is €248.89, compared to a current price of €314.00 — trading 26.2% above its estimated fair value. The current Net Margin % is 30.38%, which is 31% above median its 10-year median of 23.23 and 13.2% above the Banks industry median of 26.85. Hrvatska Postanska Banka DD's overall GF Score™ is 62/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Hrvatska Postanska Banka DD (ZAG:HPB), the current Net Margin % is 30.38% as of Mar. 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 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 €314.00 is trading 26.2% above its estimated GF Value™ of €248.89.
GuruFocus considers Hrvatska Postanska Banka DD to be Modestly Overvalued.
Key valuation signals for ZAG:HPB:
Net Margin %: 30.38% (31% above median its 10-year median of 23.23)
GF Value™: €248.89 vs. price of €314.00 (26.2% above fair value)
Industry Position: 13.2% above the Banks median (#670 of 1528)
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 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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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