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The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Hrvatska Postanska Banka DD's share price is €330.00.
Hrvatska Postanska Banka DD's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 was €74.75. Hence, Hrvatska Postanska Banka DD's PS Ratio for today is 4.41.
Warning Sign:
Hrvatska Postanska Banka DD stock PS Ratio (=4.36) is close to 3-year high of 4.58.
The historical rank and industry rank for Hrvatska Postanska Banka DD's PS Ratio or its related term are showing as below:
ZAG:HPB'
s PS Ratio Range Over the Past 10 Years
Min: 1.57 Med: 8.76 Max: 18.13
Current: 4.41
During the past 13 years, Hrvatska Postanska Banka DD's highest PS Ratio was 18.13. The lowest was 1.57. And the median was 8.76.
ZAG:HPB's PS Ratio is ranked worse than 76.54% of 1513
companies
in the Banks industry
Industry Median: 3.09
vs ZAG:HPB: 4.41
Hrvatska Postanska Banka DD revenue growth has slowed down over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of Hrvatska Postanska Banka DD was -1.30% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 13.80% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 17.90% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 7.10% per year.
During the past 13 years, Hrvatska Postanska Banka DD's highest 3-Year average Revenue per Share Growth Rate was 27.90% per year. The lowest was -26.90% per year. And the median was 0.50% per year.
Hrvatska Postanska Banka DD (ZAG:HPB) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Hrvatska Postanska Banka DD PS Ratio Related Terms
Hrvatska Postanska Banka DD PS 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, Hrvatska Postanska Banka DD's PS Ratio, along with its competitors' market caps and PS 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.
Hrvatska Postanska Banka DD PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Hrvatska Postanska Banka DD's PS Ratio distribution charts can be found below:
* The bar in red indicates where Hrvatska Postanska Banka DD's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Hrvatska Postanska Banka DD's Share Price of today is €330.00. Hrvatska Postanska Banka DD's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €74.75.
* 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.
It can also be calculated from the numbers for the whole company:
Hrvatska Postanska Banka DD (ZAG:HPB) has a PS Ratio of 4.41 as of Aug. 07, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Hrvatska Postanska Banka DD and its competitors. This is 50% below median its historical median of 8.76. Over the past decade, Hrvatska Postanska Banka DD's PS Ratio has ranged from 1.57 to 18.13. According to the industry distribution chart, Hrvatska Postanska Banka DD ranks #1158 out of 1513 companies in the Banks industry, placing it in the top 76.5%.
Is Hrvatska Postanska Banka DD's PS Ratio too high?
Hrvatska Postanska Banka DD's current PS Ratio of 4.41 is 50% below median its 10-year median of 8.76. Over the past 10 years, this metric has ranged from a low of 1.57 to a high of 18.13. The Banks industry median PS Ratio is 3.09. Hrvatska Postanska Banka DD's value of 4.41 is 42.7% above this industry median. Based on the distribution chart, Hrvatska Postanska Banka DD ranks #1158 out of 1513 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hrvatska Postanska Banka DD has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hrvatska Postanska Banka DD's PS Ratio compare to PNC and USB?
According to the Banks industry distribution chart, Hrvatska Postanska Banka DD ranks #1158 out of 1513 companies for PS Ratio. This places Hrvatska Postanska Banka DD in the lower half of its industry. The industry median PS Ratio is 3.09. Hrvatska Postanska Banka DD's value of 4.41 is 42.7% above this benchmark. Historically, Hrvatska Postanska Banka DD's own PS Ratio has ranged from 1.57 to 18.13 over the past decade. While the company's 10-year median is 8.76 vs. the industry median of 3.09, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.09, based on 1,513 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hrvatska Postanska Banka DD's current PS Ratio of 4.41 is 42.7% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Hrvatska Postanska Banka DD and its competitors. For the Banks industry, the median PS Ratio is 3.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hrvatska Postanska Banka DD's current PS Ratio is 4.41, which is 50% below median its own 10-year median of 8.76. 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 €252.06, compared to a current price of €330.00 — trading 30.9% above its estimated fair value. The current PS Ratio is 4.41, which is 50% below median its 10-year median of 8.76 and 42.7% above the Banks industry median of 3.09. Hrvatska Postanska Banka DD's overall GF Score™ is 62/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Hrvatska Postanska Banka DD (ZAG:HPB), the current PS Ratio is 4.41 as of Aug. 07, 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 €330.00 is trading 30.9% above its estimated GF Value™ of €252.06.
GuruFocus considers Hrvatska Postanska Banka DD to be Significantly Overvalued.
Key valuation signals for ZAG:HPB:
PS Ratio: 4.41 (50% below median its 10-year median of 8.76)
GF Value™: €252.06 vs. price of €330.00 (30.9% above fair value)
Industry Position: 42.7% above the Banks median (#1158 of 1513)
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
Get the complete analysis for ZAG:HPB
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