Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. UniCredit Bank DD's selling, general, & admin. expense for the
six
months ended in Dec. 2025 was BAM52.1 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Dec. 2025 was BAM52.1 Mil.
UniCredit Bank DD (XBLB:NBLB-R-B) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
UniCredit Bank DD Selling, General, & Admin. Expense Related Terms
UniCredit Bank DD Selling, General, & Admin. Expense Historical Data
* Premium members only.
The historical data trend for UniCredit Bank DD's Selling, General, & Admin. Expense 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.
UniCredit Bank DD Selling, General, & Admin. Expense Chart
XBLB:NBLB-R-B vs PNC, USB: Selling, General, & Admin. Expense Comparison
For the Banks - Regional subindustry, UniCredit Bank DD's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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.
UniCredit Bank DD Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, UniCredit Bank DD's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where UniCredit Bank DD's Selling, General, & Admin. Expense falls into.
UniCredit Bank DD Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
For stock reported annually, GuruFocus uses latest annual data as the TTM data. Selling, General, & Admin. Expense for the trailing twelve months (TTM) ended in Dec. 2025 was BAM52.1 Mil.
* 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.
What does a Selling, General, & Admin. Expense of BAM52.1 Mil mean?
UniCredit Bank DD (XBLB:NBLB-R-B) has a Selling, General, & Admin. Expense of BAM52.1 Mil as of Dec. 2025. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on UniCredit Bank DD and its competitors.
Is UniCredit Bank DD's Selling, General, & Admin. Expense too high?
UniCredit Bank DD's current Selling, General, & Admin. Expense is BAM52.1 Mil. Overall, UniCredit Bank DD has a GF Score™ of 4/100, reflecting its overall financial health beyond just this single metric.
How does UniCredit Bank DD's Selling, General, & Admin. Expense compare to PNC and USB?
UniCredit Bank DD's Selling, General, & Admin. Expense of BAM52.1 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on UniCredit Bank DD and its competitors. UniCredit Bank DD's current Selling, General, & Admin. Expense is BAM52.1 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UniCredit Bank DD stock overvalued right now?
UniCredit Bank DD (XBLB:NBLB-R-B) has a current Selling, General, & Admin. Expense of BAM52.1 Mil. The stock's GF Value™ is BAM2,491.73, compared to a current price of BAM1,933.00 — trading 22.4% below its estimated fair value. The current Selling, General, & Admin. Expense is BAM52.1 Mil. UniCredit Bank DD's overall GF Score™ is 4/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For UniCredit Bank DD (XBLB:NBLB-R-B), the current Selling, General, & Admin. Expense is BAM52.1 Mil 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 UniCredit Bank DD (XBLB:NBLB-R-B) Overvalued in 2026?
Based on GuruFocus' analysis, UniCredit Bank DD stock appears to be undervalued.
The current stock price of BAM1,933.00 is trading 22.4% below its estimated GF Value™ of BAM2,491.73.
Key valuation signals for XBLB:NBLB-R-B:
Selling, General, & Admin. Expense: BAM52.1 Mil
GF Value™: BAM2,491.73 vs. price of BAM1,933.00 (22.4% below fair value)
No single metric tells the full story. See the XBLB:NBLB-R-B stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UniCredit Bank DD is a joint-stock company in Bosnia and Herzegovina. It provides a full range of services including retail and corporate banking, risk operations, and finance and operating lease operations. The business segments of the company include Retail, Corporate and Investment Banking, Assets and Liabilities Management, and Central Unit. The company's business users comprise Entrepreneurs, Corporate clients, and Financial Institutions.
4GF Score
Get the complete analysis for XBLB:NBLB-R-B
Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XBLB:NBLB-R-B has been successfully added to your 
