ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Hrvatska Postanska Banka DD's annualizedNet Income for the quarter that ended in Mar. 2026 was €60.9 Mil.
Hrvatska Postanska Banka DD's average Total Assets over the quarter that ended in Mar. 2026 was €8,248.5 Mil. Therefore, Hrvatska Postanska Banka DD's annualized ROA % for the quarter that ended in Mar. 2026 was 0.74%.
The historical rank and industry rank for Hrvatska Postanska Banka DD's ROA % or its related term are showing as below:
ZAG:HPB'
s ROA % Range Over the Past 10 Years
Min: 0.04 Med: 0.75 Max: 2.76
Current: 0.56
During the past 13 years, Hrvatska Postanska Banka DD's highest ROA % was 2.76%. The lowest was 0.04%. And the median was 0.75%.
ZAG:HPB's ROA % is ranked worse than 74.18% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs ZAG:HPB: 0.56
Hrvatska Postanska Banka DD (ZAG:HPB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
For the Banks - Regional subindustry, Hrvatska Postanska Banka DD's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Hrvatska Postanska Banka DD's ROA % distribution charts can be found below:
* The bar in red indicates where Hrvatska Postanska Banka DD's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Hrvatska Postanska Banka DD (ZAG:HPB) has a ROA % of 0.74% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Hrvatska Postanska Banka DD and its competitors. This is near median its historical median of 0.75. Over the past decade, Hrvatska Postanska Banka DD's ROA % has ranged from 0.04 to 2.76. According to the industry distribution chart, Hrvatska Postanska Banka DD ranks #1135 out of 1530 companies in the Banks industry, placing it in the top 74.2%.
Is Hrvatska Postanska Banka DD's ROA % too high?
Hrvatska Postanska Banka DD's current ROA % of 0.74% is near 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 2.76. The Banks industry median ROA % is 0.98. Hrvatska Postanska Banka DD's value of 0.74% is 24.5% below this industry median. Based on the distribution chart, Hrvatska Postanska Banka DD ranks #1135 out of 1530 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 ROA % compare to PNC and USB?
According to the Banks industry distribution chart, Hrvatska Postanska Banka DD ranks #1135 out of 1530 companies for ROA %. This places Hrvatska Postanska Banka DD in the lower half of its industry. The industry median ROA % is 0.98. Hrvatska Postanska Banka DD's value of 0.74% is 24.5% below this benchmark. Historically, Hrvatska Postanska Banka DD's own ROA % has ranged from 0.04 to 2.76 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 0.98, Hrvatska Postanska Banka DD 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hrvatska Postanska Banka DD's current ROA % of 0.74% is 24.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Hrvatska Postanska Banka DD and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hrvatska Postanska Banka DD's current ROA % is 0.74%, which is near 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 Modestly Overvalued. The stock's GF Value™ is €249.06, compared to a current price of €320.00 — trading 28.5% above its estimated fair value. The current ROA % is 0.74%, which is near median its 10-year median of 0.75 and 24.5% below the Banks industry median of 0.98. Hrvatska Postanska Banka DD's overall GF Score™ is 62/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For Hrvatska Postanska Banka DD (ZAG:HPB), the current ROA % is 0.74% as of Mar. 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 €320.00 is trading 28.5% above its estimated GF Value™ of €249.06.
GuruFocus considers Hrvatska Postanska Banka DD to be Modestly Overvalued.
Key valuation signals for ZAG:HPB:
ROA %: 0.74% (near median its 10-year median of 0.75)
GF Value™: €249.06 vs. price of €320.00 (28.5% above fair value)
Industry Position: 24.5% below the Banks median (#1135 of 1530)
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
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