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Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Hrvatska Postanska Banka DD's PEG is 1. Hrvatska Postanska Banka DD's 5-Year TTM Book Value Growth Rate is 13.75.
Hrvatska Postanska Banka DD's EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2026 was €29.31. Therefore, the Peter Lynch Fair Value for today is €403.01.
The historical rank and industry rank for Hrvatska Postanska Banka DD's Peter Lynch Fair Value or its related term are showing as below:
ZAG:HPB'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.14 Med: 0.7 Max: 10.43
Current: 1.06
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Hrvatska Postanska Banka DD was 10.43. The lowest was 0.14. And the median was 0.70.
ZAG:HPB's Price-to-Peter-Lynch-Fair-Value is ranked better than 53.15% of 888
companies
in the Banks industry
Industry Median: 1.1
vs ZAG:HPB: 1.06
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Hrvatska Postanska Banka DD (ZAG:HPB) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 13.75 instead of 15 in this case.
Hrvatska Postanska Banka DD's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
334.00
/
403.01
=
0.83
* 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 Peter Lynch Fair Value Related Terms
Hrvatska Postanska Banka DD Peter Lynch Fair Value 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.
Hrvatska Postanska Banka DD Peter Lynch Fair Value Chart
ZAG:HPB vs USB, PNC: Peter Lynch Fair Value Comparison
For the Banks - Regional subindustry, Hrvatska Postanska Banka DD's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Hrvatska Postanska Banka DD's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Hrvatska Postanska Banka DD's Price-to-Peter-Lynch-Fair-Value falls into.
Hrvatska Postanska Banka DD's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was €29.31.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* 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.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of €403.01 mean?
Hrvatska Postanska Banka DD (ZAG:HPB) has a Peter Lynch Fair Value of €403.01 as of Sep. 03, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Hrvatska Postanska Banka DD and its competitors. According to the industry distribution chart, Hrvatska Postanska Banka DD ranks #416 out of 888 companies in the Banks industry, placing it in the top 46.8%.
Is Hrvatska Postanska Banka DD's Peter Lynch Fair Value too high?
Hrvatska Postanska Banka DD's current Peter Lynch Fair Value is €403.01. Based on the distribution chart, Hrvatska Postanska Banka DD ranks #416 out of 888 companies in the Banks industry, which is above the industry midpoint. Overall, Hrvatska Postanska Banka DD has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hrvatska Postanska Banka DD's Peter Lynch Fair Value compare to USB and PNC?
According to the Banks industry distribution chart, Hrvatska Postanska Banka DD ranks #416 out of 888 companies for Peter Lynch Fair Value. This puts Hrvatska Postanska Banka DD in the upper half of its industry. The industry median Peter Lynch Fair Value is 1.10. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.10, based on 888 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Hrvatska Postanska Banka DD and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hrvatska Postanska Banka DD's current Peter Lynch Fair Value is €403.01. 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 Significantly Overvalued. The stock's GF Value™ is €254.43, compared to a current price of €334.00 — trading 31.3% above its estimated fair value. The current Peter Lynch Fair Value is €403.01. Hrvatska Postanska Banka DD's overall GF Score™ is 60/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Hrvatska Postanska Banka DD (ZAG:HPB), the current Peter Lynch Fair Value is €403.01 as of Sep. 03, 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 €334.00 is trading 31.3% above its estimated GF Value™ of €254.43.
GuruFocus considers Hrvatska Postanska Banka DD to be Significantly Overvalued.
Key valuation signals for ZAG:HPB:
Peter Lynch Fair Value: €403.01
GF Value™: €254.43 vs. price of €334.00 (31.3% above fair value)
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.
60GF Score
Get the complete analysis for ZAG:HPB
Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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