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Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Hypo Alpe-Adria Bank AD's annualizedNet Income for the quarter that ended in Dec. 2025 was BAM20.91 Mil. Hypo Alpe-Adria Bank AD's average total tangible assets for the quarter that ended in Dec. 2025 was BAM1,106.49 Mil. Therefore, Hypo Alpe-Adria Bank AD's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 1.89%.
The historical rank and industry rank for Hypo Alpe-Adria Bank AD's Return-on-Tangible-Asset or its related term are showing as below:
XBLB:KRLB-R-A'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -1.44 Med: 0.96 Max: 2.45
Current: 2.45
During the past 13 years, Hypo Alpe-Adria Bank AD's highest Return-on-Tangible-Asset was 2.45%. The lowest was -1.44%. And the median was 0.96%.
XBLB:KRLB-R-A's Return-on-Tangible-Asset is not ranked
in the Banks industry.
Industry Median: 0.99
vs XBLB:KRLB-R-A: 2.45
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Hypo Alpe-Adria Bank AD Return-on-Tangible-Asset Related Terms
Hypo Alpe-Adria Bank AD Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Hypo Alpe-Adria Bank AD's Return-on-Tangible-Asset can be seen below:
* 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.
Hypo Alpe-Adria Bank AD Return-on-Tangible-Asset Chart
XBLB:KRLB-R-A vs PNC, USB, NU: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Hypo Alpe-Adria Bank AD's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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.
Hypo Alpe-Adria Bank AD Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Hypo Alpe-Adria Bank AD's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Hypo Alpe-Adria Bank AD's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 1.89% mean?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a Return-on-Tangible-Asset of 1.89% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Hypo Alpe-Adria Bank AD and its competitors. This is 97% above median its historical median of 0.96.
Is Hypo Alpe-Adria Bank AD's Return-on-Tangible-Asset too high?
Hypo Alpe-Adria Bank AD's current Return-on-Tangible-Asset of 1.89% is 97% above median its 10-year median of 0.96. The Banks industry median Return-on-Tangible-Asset is 0.99. Hypo Alpe-Adria Bank AD's value of 1.89% is 90.9% above this industry median. Overall, Hypo Alpe-Adria Bank AD has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Hypo Alpe-Adria Bank AD's Return-on-Tangible-Asset compare to PNC and USB?
Hypo Alpe-Adria Bank AD's Return-on-Tangible-Asset of 1.89% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Asset is 0.99. Hypo Alpe-Adria Bank AD's value of 1.89% is 90.9% above this benchmark. While the company's 10-year median is 0.96 vs. the industry median of 0.99, Hypo Alpe-Adria Bank AD 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hypo Alpe-Adria Bank AD's current Return-on-Tangible-Asset of 1.89% is 90.9% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Hypo Alpe-Adria Bank AD and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hypo Alpe-Adria Bank AD's current Return-on-Tangible-Asset is 1.89%, which is 97% above median its own 10-year median of 0.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hypo Alpe-Adria Bank AD stock overvalued right now?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a current Return-on-Tangible-Asset of 1.89%. The stock's GF Value™ is BAM1.31, compared to a current price of BAM1.14 — trading 13% below its estimated fair value. The current Return-on-Tangible-Asset is 1.89%, which is 97% above median its 10-year median of 0.96 and 90.9% above the Banks industry median of 0.99. Hypo Alpe-Adria Bank AD's overall GF Score™ is 18/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A), the current Return-on-Tangible-Asset is 1.89% as of Dec. 2025. 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 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:
Return-on-Tangible-Asset: 1.89% (97% above median its 10-year median of 0.96)
GF Value™: BAM1.31 vs. price of BAM1.14 (13% below fair value)
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 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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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