The historical rank and industry rank for Hrvatska Postanska Banka DD's ROE % or its related term are showing as below:
ZAG:HPB'
s ROE % Range Over the Past 10 Years
Min: 0.42 Med: 9.06 Max: 31.55
Current: 7.41
During the past 13 years, Hrvatska Postanska Banka DD's highest ROE % was 31.55%. The lowest was 0.42%. And the median was 9.06%.
ZAG:HPB's ROE % is ranked worse than 69.64% of 1525
companies
in the Banks industry
Industry Median: 10.22
vs ZAG:HPB: 7.41
Hrvatska Postanska Banka DD (ZAG:HPB) 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 four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) 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, Hrvatska Postanska Banka DD'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.
Hrvatska Postanska Banka DD ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Hrvatska Postanska Banka DD's ROE % distribution charts can be found below:
* The bar in red indicates where Hrvatska Postanska Banka DD'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 four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Hrvatska Postanska Banka DD (ZAG:HPB) has a ROE % of 10.46% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Hrvatska Postanska Banka DD and its competitors. This is 15% above median its historical median of 9.06. Over the past decade, Hrvatska Postanska Banka DD's ROE % has ranged from 0.42 to 31.55. According to the industry distribution chart, Hrvatska Postanska Banka DD ranks #1062 out of 1525 companies in the Banks industry, placing it in the top 69.6%.
Is Hrvatska Postanska Banka DD's ROE % too high?
Hrvatska Postanska Banka DD's current ROE % of 10.46% is 15% above median its 10-year median of 9.06. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 31.55. The Banks industry median ROE % is 10.22. Hrvatska Postanska Banka DD's value of 10.46% is 2.3% above this industry median. Based on the distribution chart, Hrvatska Postanska Banka DD ranks #1062 out of 1525 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 ROE % compare to PNC and USB?
According to the Banks industry distribution chart, Hrvatska Postanska Banka DD ranks #1062 out of 1525 companies for ROE %. This places Hrvatska Postanska Banka DD in the lower half of its industry. The industry median ROE % is 10.22. Hrvatska Postanska Banka DD's value of 10.46% is 2.3% above this benchmark. Historically, Hrvatska Postanska Banka DD's own ROE % has ranged from 0.42 to 31.55 over the past decade. While the company's 10-year median is 9.06 vs. the industry median of 10.22, 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 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. Hrvatska Postanska Banka DD's current ROE % of 10.46% is 2.3% 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 Hrvatska Postanska Banka DD 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. Hrvatska Postanska Banka DD's current ROE % is 10.46%, which is 15% above median its own 10-year median of 9.06. 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 ROE % is 10.46%, which is 15% above median its 10-year median of 9.06 and 2.3% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Hrvatska Postanska Banka DD (ZAG:HPB), the current ROE % is 10.46% 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:
ROE %: 10.46% (15% above median its 10-year median of 9.06)
GF Value™: €249.06 vs. price of €320.00 (28.5% above fair value)
Industry Position: 2.3% above the Banks median (#1062 of 1525)
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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