| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 3/6 |
1TAT01DE Stock Overview
Tatra banka, a.s. provides various banking and financial products and services in the Slovak Republic.
Tatra banka Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | €21,000.00 |
| 52 Week High | €23,600.00 |
| 52 Week Low | €19,400.00 |
| Beta | 0.14 |
| 1 Month Change | 8.25% |
| 3 Month Change | n/a |
| 1 Year Change | 7.14% |
| 3 Year Change | -7.08% |
| 5 Year Change | -16.00% |
| Change since IPO | 696.81% |
Recent News & Updates
Should Tatra banka, a.s. (BSSE:1TAT01DE) Be Part Of Your Dividend Portfolio?
Could Tatra banka, a.s. ( BSSE:1TAT01DE ) be an attractive dividend share to own for the long haul? Investors are often...
Shareholder Returns
| 1TAT01DE | SK Banks | SK Market | |
|---|---|---|---|
| 7D | 0% | 2.7% | -0.002% |
| 1Y | 7.1% | -13.0% | 3.2% |
Return vs Industry: 1TAT01DE exceeded the SK Banks industry which returned -12.9% over the past year.
Return vs Market: 1TAT01DE exceeded the SK Market which returned 3.1% over the past year.
Price Volatility
| 1TAT01DE volatility | |
|---|---|
| 1TAT01DE Average Weekly Movement | n/a |
| Banks Industry Average Movement | 4.3% |
| Market Average Movement | 5.5% |
| 10% most volatile stocks in SK Market | 10.4% |
| 10% least volatile stocks in SK Market | 2.9% |
Stable Share Price: Insufficient data to determine 1TAT01DE's volatility over the past 3 months.
Volatility Over Time: Insufficient data to determine 1TAT01DE's volatility change over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1990 | 3,327 | Michal Liday | https://www.tatrabanka.sk |
Tatra banka, a.s. provides various banking and financial products and services in the Slovak Republic. It operates through Corporate Clients; Financial Institutions and Public Sector; Retail Clients; Investment Banking and Treasury; and Ownership Interests and Others segments. The company provides current, student, children’s, basic and standard legislative, business, and corporate accounts; savings products, such as term deposits, account savings, and investment savings; investment solutions, including effective finance management, mutual funds, and securities - investment accounts; and insurance products, such as life, travel, mortgage repayment, property and natural person liability, cyber, and consumer loan repay insurances, as well as pension saving products.
Tatra banka Fundamentals Summary
| 1TAT01DE fundamental statistics | |
|---|---|
| Market Cap | €1.51b |
| Earnings (TTM) | €162.05m |
| Revenue (TTM) | €455.43m |
10.4x
P/E Ratio1.2x
P/B RatioIs 1TAT01DE overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 1TAT01DE income statement (TTM) | |
|---|---|
| Revenue | €455.43m |
| Cost of Revenue | €0 |
| Gross Profit | €455.43m |
| Other Expenses | €293.38m |
| Earnings | €162.05m |
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.02k |
| Gross Margin | 100.00% |
| Net Profit Margin | 35.58% |
| Debt/Equity Ratio | 304.9% |
How did 1TAT01DE perform over the long term?
See historical performance and comparisonDividends
6.8%
Current Dividend Yield71%
Payout RatioValuation
Is 1TAT01DE undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Analyst Forecast
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 1TAT01DE?
Other financial metrics that can be useful for relative valuation.
| What is 1TAT01DE's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | €1.51b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does 1TAT01DE's PE Ratio compare to its peers?
| 1TAT01DE PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 10.4x | ||
SIB Sharjah Islamic Bank PJSC | 9.8x | 4.9% | د.إ5.7b |
601528 Zhejiang Shaoxing RuiFeng Rural Commercial BankLtd | 8.1x | 7.6% | CN¥10.6b |
532210 City Union Bank | 15.8x | 17.4% | ₹120.4b |
MCBG.N0000 MCB Group | 8x | n/a | MU₨73.8b |
1TAT01DE Tatra banka | 10.4x | n/a | €1.5b |
Price-To-Earnings vs Peers: 1TAT01DE is good value based on its Price-To-Earnings Ratio (10.4x) compared to the peer average (10.4x).
Price to Earnings Ratio vs Industry
How does 1TAT01DE's PE Ratio compare vs other companies in the European Banks Industry?
Price-To-Earnings vs Industry: 1TAT01DE is expensive based on its Price-To-Earnings Ratio (10.4x) compared to the European Banks industry average (8.8x)
Price to Earnings Ratio vs Fair Ratio
What is 1TAT01DE's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 10.4x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 1TAT01DE's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of 1TAT01DE when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 1TAT01DE (€21000) is trading below our estimate of fair value (€25426.99)
Significantly Below Fair Value: 1TAT01DE is trading below fair value, but not by a significant amount.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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Future Growth
How is Tatra banka forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
9.0%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Tatra banka has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Check out Tatra banka's track record over time to understand how much the company has returned to shareholders and its earnings growth rate in the past.
Past Performance
How has Tatra banka performed over the past 5 years?
Past Performance Score
4/6Past Performance Score 4/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
3.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 1TAT01DE has a high level of non-cash earnings.
Growing Profit Margin: 1TAT01DE's current net profit margins (35.6%) are higher than last year (26.7%).
Past Earnings Growth Analysis
Earnings Trend: 1TAT01DE's earnings have grown by 3.4% per year over the past 5 years.
Accelerating Growth: 1TAT01DE's earnings growth over the past year (53.3%) exceeds its 5-year average (3.4% per year).
Earnings vs Industry: 1TAT01DE earnings growth over the past year (53.3%) exceeded the Banks industry 28.8%.
Return on Equity
High ROE: 1TAT01DE's Return on Equity (11.3%) is considered low.
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Financial Health
How is Tatra banka's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
5/6Financial Health Score 5/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 1TAT01DE's Assets to Equity ratio (13.6x) is moderate.
Allowance for Bad Loans: 1TAT01DE has a low allowance for bad loans (100%).
Low Risk Liabilities: 75% of 1TAT01DE's liabilities are made up of primarily low risk sources of funding.
Loan Level: 1TAT01DE has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: 1TAT01DE's Loans to Deposits ratio (92%) is appropriate.
Level of Bad Loans: 1TAT01DE has an appropriate level of bad loans (1.9%).
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Dividend
What is Tatra banka current dividend yield, its reliability and sustainability?
Dividend Score
3/6Dividend Score 3/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
6.82%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 1TAT01DE's dividend (6.82%) is higher than the bottom 25% of dividend payers in the SK market (1.13%).
High Dividend: 1TAT01DE's dividend (6.82%) is low compared to the top 25% of dividend payers in the SK market (6.82%).
Stability and Growth of Payments
Stable Dividend: 1TAT01DE's dividend payments have been volatile in the past 10 years.
Growing Dividend: 1TAT01DE's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (70.9%), 1TAT01DE's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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Management
How experienced are the management team and are they aligned to shareholders interests?
7.3yrs
Average management tenure
CEO
Michal Liday
15.58yrs
Tenure
Magistrate Michal Liday has been Chairman of Management Board and General Director at Tatra Banka, a.s. since April 1, 2015 and as its Member of the Management Board since 2007. Magistrate Liday serves as...
Leadership Team
Experienced Management: 1TAT01DE's management team is seasoned and experienced (7.3 years average tenure).
Board Members
Experienced Board: 1TAT01DE's board of directors are considered experienced (3.8 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Tatra banka, a.s.'s employee growth, exchange listings and data sources
Key Information
- Name: Tatra banka, a.s.
- Ticker: 1TAT01DE
- Exchange: BSSE
- Founded: 1990
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: €1.513b
- Shares outstanding: 80.41k
- Website: https://www.tatrabanka.sk
Number of Employees
Location
- Tatra banka, a.s.
- Hodžovo námestie 3
- Bratislava
- 81106
- Slovakia
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/08/08 00:00 |
| End of Day Share Price | 2022/08/08 00:00 |
| Earnings | 2021/12/31 |
| Annual Earnings | 2021/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.