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Hrvatska Postanska Banka DDZAG:HPB +2.52%62 Return-on-Tangible-Equity is 14.57% as of Jun. 2026, which is 52% above its 10-year median of 9.56. GuruFocus rates ZAG:HPB with a GF Score™ of 62/100 and a GF Value™ of €251.53 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,522 Banks companies, Hrvatska Postanska Banka DD ranks worse than 71.29% on this metric.
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. Hrvatska Postanska Banka DD's annualized net income for the quarter that ended in Jun. 2026 was €84.6 Mil. Hrvatska Postanska Banka DD's average shareholder tangible equity for the quarter that ended in Jun. 2026 was €580.7 Mil. Therefore, Hrvatska Postanska Banka DD's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 14.57%.
The historical rank and industry rank for Hrvatska Postanska Banka DD's Return-on-Tangible-Equity or its related term are showing as below:
ZAG:HPB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 0.44 Med: 9.56 Max: 32.62
Current: 7.58
During the past 13 years, Hrvatska Postanska Banka DD's highest Return-on-Tangible-Equity was 32.62%. The lowest was 0.44%. And the median was 9.56%.
ZAG:HPB's Return-on-Tangible-Equity is ranked worse than 71.29% of 1522
companies
in the Banks industry
Industry Median: 11.41
vs ZAG:HPB: 7.58
Hrvatska Postanska Banka DD (ZAG:HPB) 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.
Hrvatska Postanska Banka DD Return-on-Tangible-Equity Related Terms
Hrvatska Postanska Banka DD Return-on-Tangible-Equity 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-Equity Chart
ZAG:HPB vs PNC, USB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Hrvatska Postanska Banka DD'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.
Hrvatska Postanska Banka DD Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Hrvatska Postanska Banka DD's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Hrvatska Postanska Banka DD'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 four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.57% mean?
Hrvatska Postanska Banka DD (ZAG:HPB) has a Return-on-Tangible-Equity of 14.57% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Hrvatska Postanska Banka DD and its competitors. This is 52% above median its historical median of 9.56. Over the past decade, Hrvatska Postanska Banka DD's Return-on-Tangible-Equity has ranged from 0.44 to 32.62. According to the industry distribution chart, Hrvatska Postanska Banka DD ranks #1085 out of 1522 companies in the Banks industry, placing it in the top 71.3%.
Is Hrvatska Postanska Banka DD's Return-on-Tangible-Equity too high?
Hrvatska Postanska Banka DD's current Return-on-Tangible-Equity of 14.57% is 52% above median its 10-year median of 9.56. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 32.62. The Banks industry median Return-on-Tangible-Equity is 11.41. Hrvatska Postanska Banka DD's value of 14.57% is 27.7% above this industry median. Based on the distribution chart, Hrvatska Postanska Banka DD ranks #1085 out of 1522 companies in the Banks industry, which is below the industry midpoint. Overall, Hrvatska Postanska Banka DD has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Hrvatska Postanska Banka DD's Return-on-Tangible-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Hrvatska Postanska Banka DD ranks #1085 out of 1522 companies for Return-on-Tangible-Equity. This places Hrvatska Postanska Banka DD in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.41. Hrvatska Postanska Banka DD's value of 14.57% is 27.7% above this benchmark. Historically, Hrvatska Postanska Banka DD's own Return-on-Tangible-Equity has ranged from 0.44 to 32.62 over the past decade. While the company's 10-year median is 9.56 vs. the industry median of 11.41, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.41, based on 1,522 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. Hrvatska Postanska Banka DD's current Return-on-Tangible-Equity of 14.57% is 27.7% 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-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 Hrvatska Postanska Banka DD and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.41 — 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-Equity is 14.57%, which is 52% above median its own 10-year median of 9.56. 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 Modestly Overvalued. The stock's GF Value™ is €251.53, compared to a current price of €326.00 — trading 29.6% above its estimated fair value. The current Return-on-Tangible-Equity is 14.57%, which is 52% above median its 10-year median of 9.56 and 27.7% above the Banks industry median of 11.41. Hrvatska Postanska Banka DD's overall GF Score™ is 62/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Hrvatska Postanska Banka DD (ZAG:HPB), the current Return-on-Tangible-Equity is 14.57% 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 €326.00 is trading 29.6% above its estimated GF Value™ of €251.53.
GuruFocus considers Hrvatska Postanska Banka DD to be Modestly Overvalued.
Key valuation signals for ZAG:HPB:
Return-on-Tangible-Equity: 14.57% (52% above median its 10-year median of 9.56)
GF Value™: €251.53 vs. price of €326.00 (29.6% above fair value)
Industry Position: 27.7% above the Banks median (#1085 of 1522)
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.
62GF Score
Get the complete analysis for ZAG:HPB
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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