Hrvatska postanska banka d.d. (ZSE:HPB)
Croatia flag Croatia · Delayed Price · Currency is EUR
368.00
+2.00 (0.55%)
At close: Nov 4, 2026

ZSE:HPB Financials Overview

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
217.43198.91209.34205.8109.3101.47
Revenue Growth
5.73%-4.98%1.72%88.29%7.71%10.03%
Net Income
71.6158.7773.5483.09126.6726.96
Earnings Per Share
35.3729.0336.3241.0462.5613.32
EPS Growth
11.97%-20.08%-11.50%-34.40%369.62%11.00%

Revenue by Segment

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Corporate Banking
45.0539.4358.0534.3727.29
Retail Banking
65.5944.365.8362.7248.15
Financial Markets
92.97131.3577.1812.520.61
Other
-3.87-4.35---
Total
199.74210.73203.05108.31101.75

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
1,3162,4893,8773,1711,574948.24
Total Debt
149.58676.8457.47484.31335.49185.87
Net Cash (Debt)
1,1661,8133,4192,6861,239762.37
Net Cash Growth
595.03%-46.99%27.29%116.90%62.46%70.68%
Net Cash Per Share
576.07895.251688.951326.90611.76376.70

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-1,854-1,995-70.87185.29-50.5477.93
Capital Expenditures
-16.02-16.45-13.98-9.36-41.03-6.27
Free Cash Flow
-1,870-2,011-84.85175.93-91.5771.66
Free Cash Flow Growth
------

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
32.93%29.55%35.13%40.37%115.89%26.57%
FCF Margin
-860.02%-1011.26%-40.53%85.48%-83.78%70.62%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22
Dividend Per Share
21.830-21.83023.9002.610
Dividend Per Share Growth
0%--8.66%815.71%-
Dividend Yield
5.93%-6.87%12.78%2.39%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.4010.828.764.561.757.29
P/FCF Ratio
---2.15-2.74
PS Ratio
3.433.203.081.842.031.94