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.
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.
Hrvatski Telekom DD has the Financial Strength Rank of 10. It shows strong financial strength and is unlikely to fall into distressed situations.
Good Sign:
Hrvatski Telekom DD shows strong financial strength.
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.
Hrvatski Telekom DD's Interest Coverage for the quarter that ended in Jun. 2026 was 18.69.
Hrvatski Telekom DD's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.08.
As of today, Hrvatski Telekom DD's Altman Z-Score is 4.49.
Hrvatski Telekom DD (ZAG:HT) 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.
Hrvatski Telekom DD has the Financial Strength Rank of 10. It shows strong financial strength and is unlikely to fall into distressed situations.
Hrvatski Telekom DD Financial Strength Related Terms
ZAG:HT vs VZ, TMUS, T: Financial Strength Comparison
For the Telecom Services subindustry, Hrvatski Telekom DD's Financial Strength, along with its competitors' market caps and Financial Strength 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.
Hrvatski Telekom DD Financial Strength vs Telecommunication Services Industry
For the Telecommunication Services industry and Communication Services sector, Hrvatski Telekom DD's Financial Strength distribution charts can be found below:
* The bar in red indicates where Hrvatski Telekom DD's Financial Strength falls into.
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:
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.
Hrvatski Telekom DD has a Z-score of 4.49, indicating it is in Safe Zones. This implies the Z-Score is strong.
Good Sign:
Altman Z-score of 4.49 is strong.
* 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.
Hrvatski Telekom DD (ZAG:HT) has a Financial Strength of 10 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Hrvatski Telekom DD and its competitors. This is near median its historical median of 10.00. Over the past decade, Hrvatski Telekom DD's Financial Strength has ranged from 5.00 to 10.00.
Is Hrvatski Telekom DD's Financial Strength too high?
Hrvatski Telekom DD's current Financial Strength of 10 is near median its 10-year median of 10.00. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 10.00. Overall, Hrvatski Telekom DD has a GF Score™ of 100/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Hrvatski Telekom DD's Financial Strength compare to VZ and TMUS?
Hrvatski Telekom DD's Financial Strength of 10 can be compared against companies in the Telecommunication Services industry. Historically, Hrvatski Telekom DD's own Financial Strength has ranged from 5.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Telecommunication Services company?
A good Financial Strength depends on the Telecommunication Services industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Hrvatski Telekom DD and its competitors. Hrvatski Telekom DD's current Financial Strength is 10, which is near median its own 10-year median of 10.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hrvatski Telekom DD stock overvalued right now?
Based on GuruFocus' analysis, Hrvatski Telekom DD (ZAG:HT) is currently considered Fairly Valued. The stock's GF Value™ is €41.44, compared to a current price of €40.10 — trading 3.2% below its estimated fair value. The current Financial Strength is 10, which is near median its 10-year median of 10.00. Hrvatski Telekom DD's overall GF Score™ is 100/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Hrvatski Telekom DD (ZAG:HT), the current Financial Strength is 10 as of Jun. 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 Hrvatski Telekom DD (ZAG:HT) Overvalued in 2026?
Based on GuruFocus' analysis, Hrvatski Telekom DD stock appears to be undervalued.
The current stock price of €40.10 is trading 3.2% below its estimated GF Value™ of €41.44.
GuruFocus considers Hrvatski Telekom DD to be Fairly Valued.
Key valuation signals for ZAG:HT:
Financial Strength: 10 (near median its 10-year median of 10.00)
GF Value™: €41.44 vs. price of €40.10 (3.2% below fair value)
No single metric tells the full story. See the ZAG:HT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hrvatski Telekom DD is a provider of telecommunication and digital services in the Republic of Croatia. It offers fixed and mobile telephony services as well as wholesale, Internet, and data. The company's business segments are Residential, Business, Other and Crnogorski Telekom. The majority of its revenue is derived from the Residential unit segment that includes marketing, sales, and customer services, focused on providing mobile, fixed-line telecommunications, electricity, and TV distribution and services to residential customers. Geographically, the company generates the majority of its revenue from the Republic of Croatia.
100GF Score
Get the complete analysis for ZAG:HT
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ZAG:HT has been successfully added to your 
