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Hrvatska Postanska Banka DDZAG:HPB +0.60%59 Return-on-Tangible-Asset is 1.06% as of Jun. 2026, which is 41% above its 10-year median of 0.75. GuruFocus rates ZAG:HPB with a GF Score™ of 59/100 and a GF Value™ of €254.26 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,521 Banks companies, Hrvatska Postanska Banka DD ranks worse than 76.73% on this metric.
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. Hrvatska Postanska Banka DD's annualizedNet Income for the quarter that ended in Jun. 2026 was €84.6 Mil. Hrvatska Postanska Banka DD's average total tangible assets for the quarter that ended in Jun. 2026 was €8,005.6 Mil. Therefore, Hrvatska Postanska Banka DD's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 1.06%.
The historical rank and industry rank for Hrvatska Postanska Banka DD's Return-on-Tangible-Asset or its related term are showing as below:
ZAG:HPB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.04 Med: 0.75 Max: 2.77
Current: 0.54
During the past 13 years, Hrvatska Postanska Banka DD's highest Return-on-Tangible-Asset was 2.77%. The lowest was 0.04%. And the median was 0.75%.
ZAG:HPB's Return-on-Tangible-Asset is ranked worse than 76.73% of 1521
companies
in the Banks industry
Industry Median: 1.03
vs ZAG:HPB: 0.54
Hrvatska Postanska Banka DD (ZAG:HPB) 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.
Hrvatska Postanska Banka DD Return-on-Tangible-Asset Related Terms
Hrvatska Postanska Banka DD Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
ZAG:HPB vs USB, PNC: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, Hrvatska Postanska Banka DD'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.
Hrvatska Postanska Banka DD Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Hrvatska Postanska Banka DD's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Hrvatska Postanska Banka DD'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 four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.06% mean?
Hrvatska Postanska Banka DD (ZAG:HPB) has a Return-on-Tangible-Asset of 1.06% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Hrvatska Postanska Banka DD and its competitors. This is 41% above median its historical median of 0.75. Over the past decade, Hrvatska Postanska Banka DD's Return-on-Tangible-Asset has ranged from 0.04 to 2.77. According to the industry distribution chart, Hrvatska Postanska Banka DD ranks #1167 out of 1521 companies in the Banks industry, placing it in the top 76.7%.
Is Hrvatska Postanska Banka DD's Return-on-Tangible-Asset too high?
Hrvatska Postanska Banka DD's current Return-on-Tangible-Asset of 1.06% is 41% above median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 2.77. The Banks industry median Return-on-Tangible-Asset is 1.03. Hrvatska Postanska Banka DD's value of 1.06% is 2.9% above this industry median. Based on the distribution chart, Hrvatska Postanska Banka DD ranks #1167 out of 1521 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hrvatska Postanska Banka DD has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hrvatska Postanska Banka DD's Return-on-Tangible-Asset compare to USB and PNC?
According to the Banks industry distribution chart, Hrvatska Postanska Banka DD ranks #1167 out of 1521 companies for Return-on-Tangible-Asset. This places Hrvatska Postanska Banka DD in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Hrvatska Postanska Banka DD's value of 1.06% is 2.9% above this benchmark. Historically, Hrvatska Postanska Banka DD's own Return-on-Tangible-Asset has ranged from 0.04 to 2.77 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 1.03, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,521 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. Hrvatska Postanska Banka DD's current Return-on-Tangible-Asset of 1.06% is 2.9% 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 Hrvatska Postanska Banka DD and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hrvatska Postanska Banka DD's current Return-on-Tangible-Asset is 1.06%, which is 41% above median its own 10-year median of 0.75. 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 €254.26, compared to a current price of €334.00 — trading 31.4% above its estimated fair value. The current Return-on-Tangible-Asset is 1.06%, which is 41% above median its 10-year median of 0.75 and 2.9% above the Banks industry median of 1.03. Hrvatska Postanska Banka DD's overall GF Score™ is 59/100 with 8 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 Hrvatska Postanska Banka DD (ZAG:HPB), the current Return-on-Tangible-Asset is 1.06% 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 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 31.4% above its estimated GF Value™ of €254.26.
GuruFocus considers Hrvatska Postanska Banka DD to be Significantly Overvalued.
Key valuation signals for ZAG:HPB:
Return-on-Tangible-Asset: 1.06% (41% above median its 10-year median of 0.75)
GF Value™: €254.26 vs. price of €334.00 (31.4% above fair value)
Industry Position: 2.9% above the Banks median (#1167 of 1521)
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.
59GF Score
Get the complete analysis for ZAG:HPB
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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