AGRAM BANKA dionicko drustvoZAG:KBZ 78 PEG Ratio is 1.88 as of Jul. 08, 2026, which is 61% below its 10-year median of 4.88. GuruFocus rates ZAG:KBZ with a GF Score™ of 78/100 and a GF Value™ of €35.63 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,230 Banks companies, AGRAM BANKA dionicko drustvo ranks worse than 58.05% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for AGRAM BANKA dionicko drustvo's PEG Ratio or its related term are showing as below:
ZAG:KBZ'
s PEG Ratio Range Over the Past 10 Years
Min: 1.35 Med: 4.88 Max: 16.06
Current: 1.88
During the past 13 years, AGRAM BANKA dionicko drustvo's highest PEG Ratio was 16.06. The lowest was 1.35. And the median was 4.88.
ZAG:KBZ's PEG Ratio is ranked worse than 58.05% of 1230
companies
in the Banks industry
Industry Median: 1.54
vs ZAG:KBZ: 1.88
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
AGRAM BANKA dionicko drustvo (ZAG:KBZ) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
AGRAM BANKA dionicko drustvo PEG Ratio Related Terms
AGRAM BANKA dionicko drustvo PEG Ratio 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, AGRAM BANKA dionicko drustvo's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, AGRAM BANKA dionicko drustvo's PEG Ratio distribution charts can be found below:
* The bar in red indicates where AGRAM BANKA dionicko drustvo's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
AGRAM BANKA dionicko drustvo (ZAG:KBZ) has a PEG Ratio of 1.88 as of Jul. 08, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on AGRAM BANKA dionicko drustvo and its competitors. This is 61% below median its historical median of 4.88. Over the past decade, AGRAM BANKA dionicko drustvo's PEG Ratio has ranged from 1.35 to 16.06. According to the industry distribution chart, AGRAM BANKA dionicko drustvo ranks #714 out of 1230 companies in the Banks industry, placing it in the top 58%.
Is AGRAM BANKA dionicko drustvo's PEG Ratio too high?
AGRAM BANKA dionicko drustvo's current PEG Ratio of 1.88 is 61% below median its 10-year median of 4.88. Over the past 10 years, this metric has ranged from a low of 1.35 to a high of 16.06. The Banks industry median PEG Ratio is 1.54. AGRAM BANKA dionicko drustvo's value of 1.88 is 22.1% above this industry median. Based on the distribution chart, AGRAM BANKA dionicko drustvo ranks #714 out of 1230 companies in the Banks industry, which is below the industry midpoint. Overall, AGRAM BANKA dionicko drustvo has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AGRAM BANKA dionicko drustvo's PEG Ratio compare to PNC and USB?
According to the Banks industry distribution chart, AGRAM BANKA dionicko drustvo ranks #714 out of 1230 companies for PEG Ratio. This places AGRAM BANKA dionicko drustvo in the lower half of its industry. The industry median PEG Ratio is 1.54. AGRAM BANKA dionicko drustvo's value of 1.88 is 22.1% above this benchmark. Historically, AGRAM BANKA dionicko drustvo's own PEG Ratio has ranged from 1.35 to 16.06 over the past decade. While the company's 10-year median is 4.88 vs. the industry median of 1.54, AGRAM BANKA dionicko drustvo 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.54, based on 1,230 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AGRAM BANKA dionicko drustvo's current PEG Ratio of 1.88 is 22.1% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on AGRAM BANKA dionicko drustvo and its competitors. For the Banks industry, the median PEG Ratio is 1.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AGRAM BANKA dionicko drustvo's current PEG Ratio is 1.88, which is 61% below median its own 10-year median of 4.88. 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 €35.63, compared to a current price of €38.00 — trading 6.7% above its estimated fair value. The current PEG Ratio is 1.88, which is 61% below median its 10-year median of 4.88 and 22.1% above the Banks industry median of 1.54. AGRAM BANKA dionicko drustvo's overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For AGRAM BANKA dionicko drustvo (ZAG:KBZ), the current PEG Ratio is 1.88 as of Jul. 08, 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 €38.00 is trading 6.7% above its estimated GF Value™ of €35.63.
GuruFocus considers AGRAM BANKA dionicko drustvo to be Fairly Valued.
Key valuation signals for ZAG:KBZ:
PEG Ratio: 1.88 (61% below median its 10-year median of 4.88)
GF Value™: €35.63 vs. price of €38.00 (6.7% above fair value)
Industry Position: 22.1% above the Banks median (#714 of 1230)
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 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.
78GF Score
Get the complete analysis for ZAG:KBZ
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