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The historical rank and industry rank for Hypo Alpe-Adria Bank AD's ROE % or its related term are showing as below:
XBLB:KRLB-R-A'
s ROE % Range Over the Past 10 Years
Min: -7.36 Med: 5.23 Max: 14.04
Current: 13.47
During the past 13 years, Hypo Alpe-Adria Bank AD's highest ROE % was 14.04%. The lowest was -7.36%. And the median was 5.23%.
XBLB:KRLB-R-A's ROE % is not ranked
in the Banks industry.
Industry Median: 10.22
vs XBLB:KRLB-R-A: 13.47
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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, Hypo Alpe-Adria Bank AD's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Hypo Alpe-Adria Bank AD's ROE % distribution charts can be found below:
* The bar in red indicates where Hypo Alpe-Adria Bank AD's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A) has a ROE % of 10.44% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hypo Alpe-Adria Bank AD and its competitors. This is 100% above median its historical median of 5.23.
Is Hypo Alpe-Adria Bank AD's ROE % too high?
Hypo Alpe-Adria Bank AD's current ROE % of 10.44% is 100% above median its 10-year median of 5.23. The Banks industry median ROE % is 10.22. Hypo Alpe-Adria Bank AD's value of 10.44% is 2.2% 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 ROE % compare to PNC and USB?
Hypo Alpe-Adria Bank AD's ROE % of 10.44% can be compared against companies in the Banks industry. The industry median ROE % is 10.22. Hypo Alpe-Adria Bank AD's value of 10.44% is 2.2% above this benchmark. While the company's 10-year median is 5.23 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Hypo Alpe-Adria Bank AD's current ROE % of 10.44% is 2.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hypo Alpe-Adria Bank AD and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hypo Alpe-Adria Bank AD's current ROE % is 10.44%, which is 100% above median its own 10-year median of 5.23. 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 ROE % of 10.44%. 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 ROE % is 10.44%, which is 100% above median its 10-year median of 5.23 and 2.2% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Hypo Alpe-Adria Bank AD (XBLB:KRLB-R-A), the current ROE % is 10.44% 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:
ROE %: 10.44% (100% above median its 10-year median of 5.23)
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
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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