Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) Financial Strength: 0 (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

XBLB:KRLB-R-A Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A
18 GF Score
Price BAM1.14
GF Value BAM1.31
! 3 Warning Signs
View Full Analysis

What is Hypo Alpe-Adria Bank AD Financial Strength?

Hypo Alpe-Adria Bank AD has the Financial Strength Rank of 0.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate Hypo Alpe-Adria Bank AD's interest coverage with the available data. Hypo Alpe-Adria Bank AD's debt to revenue ratio for the quarter that ended in Dec. 2025 was 0.72. Altman Z-Score does not apply to banks and insurance companies.

Hypo Alpe-Adria Bank AD  (XBLB:KRLB-R-A) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

Hypo Alpe-Adria Bank AD has the Financial Strength Rank of 0.

Hypo Alpe-Adria Bank AD Financial Strength Related Terms

XBLB:KRLB-R-A
18GF Score
Hypo Alpe-Adria Bank AD XBLB:KRLB-R-A
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Hypo Alpe-Adria Bank AD Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Hypo Alpe-Adria Bank AD's Interest Expense for the months ended in Dec. 2025 was BAM-4.17 Mil. Its Operating Income for the months ended in Dec. 2025 was BAM0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was BAM48.86 Mil.

Hypo Alpe-Adria Bank AD's Interest Coverage for the quarter that ended in Dec. 2025 is

The higher the ratio, the stronger the company's financial strength is.

Good Sign:

Ben Graham prefers companies' interest coverage to be at least 5. Hypo Alpe-Adria Bank AD has enough cash to cover all of its debt. Its financial situation is stable.

2. Debt to revenue ratio. The lower, the better.

Hypo Alpe-Adria Bank AD's Debt to Revenue Ratio for the quarter that ended in Dec. 2025 is

Debt to Revenue Ratio=Total Debt (Q: Dec. 2025 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 48.861) / 67.714
=0.72

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* 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.

Is Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) Overvalued in 2026?

Based on GuruFocus' analysis, Hypo Alpe-Adria Bank AD stock appears to be undervalued. The current stock price of BAM1.14 is trading 13% below its estimated GF Value™ of BAM1.31.

Key valuation signals for XBLB:KRLB-R-A:

  • Financial Strength: 0
  • GF Value™: BAM1.31 vs. price of BAM1.14 (13% below fair value)
  • GF Score™: 18/100 with 3 warning signs

No single metric tells the full story. See the XBLB:KRLB-R-A stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Hypo Alpe-Adria Bank AD Business Description

Address No. 13, Aleja Svetog Save Street, Banja Luka, BIH, 78000
Hypo Alpe-Adria Bank AD is a bank. It is engaged in providing financial products and services. The company's operating segment includes Consumer; SME Business; Mortgage; Large Corporates; Public Finance; and Corporate Center. It offers products and services including loans, leasing, savings, currency exchange, mobile banking, advisory services, deposits, and investment banking services. It generates the majority of its revenue from the Consumer segment.
18GF Score

Get the complete analysis for XBLB:KRLB-R-A

Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BAM1.14
Price
BAM1.31
GF Value