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Turkiye Garanti Bankasi A.S. TKGBY

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Price alert · TKGBY

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2.95 USD -0.10 (-3.28%)

Regular-session close

2.86 Day range 2.96
2.48 52-week range 3.76
YTD
-4.84%
1 year
-8.67%

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Discounted cash flow estimates against the price, and the P/E against its industry and sector.

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Included in Essentials and up

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Employees by annual report and the cash the business earns for its owners.

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Financial health

Altman Z-Score

0.50 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 4
  • P/B 3

Valuation

P/E 5.1×
FY 2016: 6.0×FY 2017: 7.1×FY 2018: 4.9×FY 2019: 7.3×FY 2020: 6.7×FY 2021: 3.6×FY 2022: 2.1×FY 2023: 2.9×FY 2024: 5.8×FY 2025: 5.1×
FY 2016 5y median 3.6× FY 2025
P/S 0.6×
FY 2016: 1.1×FY 2017: 1.4×FY 2018: 0.7×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 0.6×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 1.8×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025
P/B 1.3×
FY 2016: 0.9×FY 2017: 1.1×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.6×FY 2022: 0.8×FY 2023: 1.0×FY 2024: 1.6×FY 2025: 1.3×
FY 2016 5y median 1.0× FY 2025
P/FCF 3.0×
FY 2016: 25.0×FY 2017: -7.9×FY 2018: 2.4×FY 2019: 3.3×FY 2020: -45.8×FY 2021: 1.5×FY 2022: 2.8×FY 2023: 1.3×FY 2024: -3.4×FY 2025: 3.0×
FY 2016 5y median 1.5× FY 2025
EV/EBITDA 6.0×
FY 2016: 7.6×FY 2017: 7.1×FY 2018: 3.4×FY 2019: 4.1×FY 2020: 1.8×FY 2021: -2.0×FY 2022: 0.3×FY 2023: -0.7×FY 2024: 0.0×FY 2025: 6.0×
FY 2016 5y median 0.0× FY 2025
EV/Sales 1.0×
FY 2016: 1.9×FY 2017: 1.9×FY 2018: 0.7×FY 2019: 0.7×FY 2020: 0.3×FY 2021: -0.4×FY 2022: 0.1×FY 2023: -0.2×FY 2024: 0.6×FY 2025: 1.0×
FY 2016 5y median 0.1× FY 2025
FCF Yield 33.0%
FY 2016: 4.0%FY 2017: -12.6%FY 2018: 41.6%FY 2019: 30.6%FY 2020: -2.2%FY 2021: 65.0%FY 2022: 36.2%FY 2023: 74.2%FY 2024: -29.5%FY 2025: 33.0%
FY 2016 5y median 36.2% FY 2025

Profitability

Gross Margin 41.5%
FY 2016: 62.0%FY 2017: 60.8%FY 2018: 58.2%FY 2019: 59.0%FY 2020: 73.7%FY 2021: 71.8%FY 2022: 74.8%FY 2023: 57.5%FY 2024: 100.0%FY 2025: 41.5%
FY 2016 5y median 71.8% FY 2025
Operating Margin 16.9%
FY 2016: 23.8%FY 2017: 25.8%FY 2018: 18.0%FY 2019: 15.7%FY 2020: 17.3%FY 2021: 21.5%FY 2022: 43.3%FY 2023: 30.9%FY 2024: 62.9%FY 2025: 16.9%
FY 2016 5y median 30.9% FY 2025
Net Margin 11.1%
FY 2016: 18.7%FY 2017: 19.6%FY 2018: 13.6%FY 2019: 11.8%FY 2020: 11.9%FY 2021: 15.7%FY 2022: 32.8%FY 2023: 24.9%FY 2024: 31.8%FY 2025: 11.1%
FY 2016 5y median 24.9% FY 2025
ROE 24.7%
FY 2016: 14.4%FY 2017: 15.3%FY 2018: 14.2%FY 2019: 11.5%FY 2020: 10.1%FY 2021: 16.8%FY 2022: 38.2%FY 2023: 35.3%FY 2024: 27.7%FY 2025: 24.7%
FY 2016 5y median 27.7% FY 2025
ROIC 32.2%
FY 2016: 4.3%FY 2017: 5.0%FY 2018: 4.7%FY 2019: 4.4%FY 2020: 3.8%FY 2021: 5.5%FY 2022: 16.4%FY 2023: 16.4%FY 2024: 18.2%FY 2025: 32.2%
FY 2016 5y median 16.4% FY 2025
ROA 2.4%
FY 2016: 1.6%FY 2017: 1.8%FY 2018: 1.7%FY 2019: 1.4%FY 2020: 1.2%FY 2021: 1.6%FY 2022: 4.5%FY 2023: 3.9%FY 2024: 3.0%FY 2025: 2.4%
FY 2016 5y median 3.0% FY 2025

Growth (YoY)

Revenue 244.2%
FY 2016: 20.7%FY 2017: 18.5%FY 2018: 50.6%FY 2019: 7.2%FY 2020: 1.9%FY 2021: 60.9%FY 2022: 107.6%FY 2023: 95.0%FY 2024: -17.1%FY 2025: 244.2%
FY 2016 FY 2025
Operating Income -7.3%
FY 2016: 39.3%FY 2017: 28.6%FY 2018: 4.8%FY 2019: -6.6%FY 2020: 12.7%FY 2021: 99.9%FY 2022: 318.2%FY 2023: 39.1%FY 2024: 68.8%FY 2025: -7.3%
FY 2016 FY 2025
EPS (diluted) 20.4%
FY 2016: 43.5%FY 2017: 23.8%FY 2018: 4.6%FY 2019: -7.0%FY 2020: 7.5%FY 2021: 102.5%FY 2022: 333.8%FY 2023: 48.2%FY 2024: 5.6%FY 2025: 20.4%
FY 2016 FY 2025
Free Cash Flow 219.0%
FY 2016: -39.8%FY 2017: -561.6%FY 2018: 337.1%FY 2019: 2.5%FY 2020: -107.0%FY 2021: 3291.1%FY 2022: 40.7%FY 2023: 326.6%FY 2024: -183.4%FY 2025: 219.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.0×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.3×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.0×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 1.0×
FY 2016: 1.8×FY 2017: 1.7×FY 2018: 1.4×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.2×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 1.0×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 2.5×
FY 2016: 3.1×FY 2017: 1.9×FY 2018: -0.1×FY 2019: -0.9×FY 2020: -2.6×FY 2021: -4.4×FY 2022: -1.2×FY 2023: -3.0×FY 2024: 0.0×FY 2025: 2.5×
FY 2016 5y median -1.2× FY 2025
Interest Coverage 0.3×
FY 2016: 0.6×FY 2017: 0.7×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 1.7×FY 2023: 0.7×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 3.6%
FY 2016: 1.8%FY 2017: 2.8%FY 2018: 6.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 1.3%FY 2022: 1.1%FY 2023: 3.5%FY 2024: 2.5%FY 2025: 3.6%
FY 2016 5y median 2.5% FY 2025
Payout Ratio 18.2%
FY 2016: 11.1%FY 2017: 19.8%FY 2018: 29.1%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 4.6%FY 2022: 2.2%FY 2023: 10.2%FY 2024: 14.6%FY 2025: 18.2%
FY 2016 5y median 10.2% FY 2025

Annual · latest fiscal year ends 2025-12-31