company background image

Tatra banka BSSE:1TAT01DE Stock Report

Last Price


Market Cap







08 Aug, 2022


Company Financials
1TAT01DE fundamental analysis
Snowflake Score
Future Growth0/6
Past Performance4/6
Financial Health5/6

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

Summary of all time highs, changes and price drops for Tatra banka
Historical stock prices
Current Share Price€21,000.00
52 Week High€23,600.00
52 Week Low€19,400.00
1 Month Change8.25%
3 Month Changen/a
1 Year Change7.14%
3 Year Change-7.08%
5 Year Change-16.00%
Change since IPO696.81%

Recent News & Updates

Jan 29
Should Tatra banka, a.s. (BSSE:1TAT01DE) Be Part Of Your Dividend Portfolio?

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

1TAT01DESK BanksSK Market

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

Is 1TAT01DE's price volatile compared to industry and market?
1TAT01DE volatility
1TAT01DE Average Weekly Movementn/a
Banks Industry Average Movement4.3%
Market Average Movement5.5%
10% most volatile stocks in SK Market10.4%
10% least volatile stocks in SK Market2.9%

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

19903,327Michal Liday

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

How do Tatra banka's earnings and revenue compare to its market cap?
1TAT01DE fundamental statistics
Market Cap€1.51b
Earnings (TTM)€162.05m
Revenue (TTM)€455.43m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
1TAT01DE income statement (TTM)
Cost of Revenue€0
Gross Profit€455.43m
Other Expenses€293.38m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date


Earnings per share (EPS)2.02k
Gross Margin100.00%
Net Profit Margin35.58%
Debt/Equity Ratio304.9%

How did 1TAT01DE perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio
We’ve recently updated our valuation analysis.


Is 1TAT01DE undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


Valuation 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.

1TAT01DE key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does 1TAT01DE's PE Ratio compare to its peers?

1TAT01DE PE Ratio vs Peers
The above table shows the PE ratio for 1TAT01DE vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average10.4x
SIB Sharjah Islamic Bank PJSC
601528 Zhejiang Shaoxing RuiFeng Rural Commercial BankLtd
532210 City Union Bank
MCBG.N0000 MCB Group
1TAT01DE Tatra banka

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.

1TAT01DE PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio10.4x
Fair PE Ration/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.

Discover undervalued companies

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


Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


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.

Discover growth companies

Past Performance

How has Tatra banka performed over the past 5 years?

Past Performance Score


Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


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.

Discover strong past performing companies

Financial Health

How is Tatra banka's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score


Financial 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%).

Discover healthy companies


What is Tatra banka current dividend yield, its reliability and sustainability?

Dividend Score


Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


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.

Discover strong dividend paying companies


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Michal Liday



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).


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:

Number of Employees


  • Tatra banka, a.s.
  • Hodžovo námestie 3
  • Bratislava
  • 81106
  • Slovakia


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/08/08 00:00
End of Day Share Price2022/08/08 00:00
Annual Earnings2021/12/31

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.