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Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Hypo Alpe-Adria Bank AD's annualized net income for the quarter that ended in Dec. 2025 was BAM20.91 Mil. Hypo Alpe-Adria Bank AD's average shareholder tangible equity for the quarter that ended in Dec. 2025 was BAM195.69 Mil. Therefore, Hypo Alpe-Adria Bank AD's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 10.69%.
The historical rank and industry rank for Hypo Alpe-Adria Bank AD's Return-on-Tangible-Equity or its related term are showing as below:
XBLB:KRLB-R-A'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -7.55 Med: 5.45 Max: 14.41
Current: 13.78
During the past 13 years, Hypo Alpe-Adria Bank AD's highest Return-on-Tangible-Equity was 14.41%. The lowest was -7.55%. And the median was 5.45%.
XBLB:KRLB-R-A's Return-on-Tangible-Equity is not ranked
in the Banks industry.
Industry Median: 11.2
vs XBLB:KRLB-R-A: 13.78
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Hypo Alpe-Adria Bank AD Return-on-Tangible-Equity Related Terms
Hypo Alpe-Adria Bank AD Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Hypo Alpe-Adria Bank AD's Return-on-Tangible-Equity 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-Equity Chart
XBLB:KRLB-R-A vs PNC, USB, NU: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Hypo Alpe-Adria Bank AD's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Hypo Alpe-Adria Bank AD's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Hypo Alpe-Adria Bank AD's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 10.69% mean?
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a Return-on-Tangible-Equity of 10.69% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Hypo Alpe-Adria Bank AD and its competitors. This is 96% above median its historical median of 5.45.
Is Hypo Alpe-Adria Bank AD's Return-on-Tangible-Equity too high?
Hypo Alpe-Adria Bank AD's current Return-on-Tangible-Equity of 10.69% is 96% above median its 10-year median of 5.45. The Banks industry median Return-on-Tangible-Equity is 11.20. Hypo Alpe-Adria Bank AD's value of 10.69% is 4.6% below 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-Equity compare to PNC and USB?
Hypo Alpe-Adria Bank AD's Return-on-Tangible-Equity of 10.69% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Equity is 11.20. Hypo Alpe-Adria Bank AD's value of 10.69% is 4.6% below this benchmark. While the company's 10-year median is 5.45 vs. the industry median of 11.20, Hypo Alpe-Adria Bank AD has consistently been below 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 10.69% is 4.6% below 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Hypo Alpe-Adria Bank AD and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 10.69%, which is 96% above median its own 10-year median of 5.45. 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-Equity of 10.69%. 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-Equity is 10.69%, which is 96% above median its 10-year median of 5.45 and 4.6% below the Banks industry median of 11.20. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A), the current Return-on-Tangible-Equity is 10.69% 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-Equity: 10.69% (96% above median its 10-year median of 5.45)
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-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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