Anadolu Anonim Turk Sigorta Sti (ANSGR) fair value: what the stock is really worth
As of Oct 30, 2026: fair value (intrinsic value) of Anadolu Anonim Turk Sigorta Sti stock TRY 31.60, price TRY 22.18, upside +42.5%, quality 49 out of 100. Rating: undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 1, 2026.
How to read this chart
60‑month range 1.13 TRY – 31.00 TRY · fair‑value band 26.79 TRY – 42.54 TRY · the 22.18 TRY price screens below the 31.60 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 1, 2026.
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Anadolu Anonim Türk Sigorta Sirketi engages in the insurance business in Turkey.
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It offers company, accident, illness-health, land vehicles, aircraft, water vehicles, transportation Watercraft, fire and natural disasters, general, land vehicles liability, damages, credit, aircraft liability, general liability, surety, and financial losses, as well as legal protection insurance products.
The company was founded in 1925 and is headquartered in Istanbul, Turkey. Anadolu Anonim Türk Sigorta Sirketi operates as a subsidiary of Millî Reasürans Türk Anonim Sirketi.
Stock analysis
Anadolu Anonim Turk Sigorta Sti (ANSGR) currently trades at 22.18 TRY, while our model-based Fair Value estimate is 31.60 TRY, implying the stock looks roughly 29.8% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 31.60 TRY per share, and 3 of the 6 models we run sit above the 22.18 TRY price.
Bear case: the Dividend Discount group reads lowest at 6.96 TRY, and 3 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: 26.79 TRY (bear) to 42.54 TRY (bull), the price of 22.18 TRY sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Anadolu Anonim Turk Sigorta Sti reported revenue of 90.9B TRL in FY2025 versus 9.0B TRL in FY2021, a compound +78.3%/yr. Reported net income was 13.4B TRL in FY2025, compounding +118.4%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 44.4B TRY (≈ $888M) Small · P/E ratio 2.8 · P/S ratio 0.42 · EPS (TTM) 7.80 TRY · Dividend yield 6.2% · Net margin 14.9% · Return on equity 46.8% · Return on assets (EBIT) 1.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).
What moves the price
The share trades about 28% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −30% fair-value upside, at 42%, ANSGR screens cheaper than that median.
Fair Value models
Bear26.79 TRYFair Value 31.60 TRYBull42.54 TRY
Price 22.18 TRY · Upside +42.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (5.38 TRY per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+50.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+74.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+70.2%
Start year 2020 (pandemic). Over 10 years: +41.4% a year
Revenue growth 24 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−27.3%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+52.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+45.8%
Dividend (yield on the price)6.2%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−34.3%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Turkey: IMF forecast 19.3% a year to 2030, 28.5% from 2016 to 2025) that is about −44.9% a year for the price.
Compare Anadolu Anonim Turk Sigorta Sti with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Diversified · 73 stocks
Beats the industry median on 12/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score49 · Bottom 25%
Fair Value upside+42.5% · Top 25%
Profitability
Return on equity (12 months)46.8% · Top 25%
Return on assets10.4% · Top 25%
Net margin (12 months)14.9% · Top 25%
Operating margin (12 months)14.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)32.8% · Top 25%
Dividend yield (12 months)6.2% · Top 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Anadolu Anonim Turk Sigorta Sti Fair Value". https://www.fairvalue-calculator.com/stock/ANSGR
Frequently asked questions
Is Anadolu Anonim Turk Sigorta Sti (ANSGR) overvalued or undervalued?
As of Nov 1, 2026, our model estimates a fair value of 31.60 TRY versus a price of 22.18 TRY, about +42% upside (undervalued).
What is the fair value of ANSGR?
Our model-based fair value for Anadolu Anonim Turk Sigorta Sti is 31.60 TRY (as of Nov 1, 2026), built from audited fundamentals. The current price: 22.18 TRY.
What is the quality score of ANSGR?
Anadolu Anonim Turk Sigorta Sti has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Anadolu Anonim Turk Sigorta Sti (ANSGR)?
Our model-based price target is the fair value of 31.60 TRY (as of Nov 1, 2026) from 6 valuation models. Cautious scenario 26.79 TRY, optimistic scenario 42.54 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Anadolu Anonim Turk Sigorta Sti stock forecast for 2026?
Our models put fair value at 31.60 TRY, about +42% upside versus a price of 22.18 TRY (undervalued). Cautious scenario 26.79 TRY, optimistic scenario 42.54 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
Anadolu Anonim Turk Sigorta Sti reported trailing-twelve-month revenue of about 105B TRY (latest available figure, as of Nov 1, 2026).
Does Anadolu Anonim Turk Sigorta Sti pay a dividend?
Anadolu Anonim Turk Sigorta Sti currently shows a dividend yield of 6.22% relative to its recent price (as of Nov 1, 2026).
What growth is priced into Anadolu Anonim Turk Sigorta Sti (ANSGR)?
For today's price to be fair in a discounted-cash-flow model, Anadolu Anonim Turk Sigorta Sti would have to grow free cash flow by -34.3 % per year for five years (discount rate 14.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +70.2 % per year. As of Nov 1, 2026.
What discount rate (WACC) does the fair value of ANSGR use?
Our models discount Anadolu Anonim Turk Sigorta Sti at 14.2 %: a base by market capitalisation (small), damped by beta 0.30, country premium for Turkey. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Anadolu Anonim Turk Sigorta Sti that is -34.3 % per year a year over ten years, using the same discount rate (14.2 %) and the same formula as our fair value.
How much growth has Anadolu Anonim Turk Sigorta Sti (ANSGR) delivered so far?
Over the past 5 years revenue at Anadolu Anonim Turk Sigorta Sti grew +70.2 % a year. The price currently implies -34.3 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Anadolu Anonim Turk Sigorta Sti (ANSGR) growing?
The median revenue growth in the sector is +9.6 % a year. That is the yardstick for the growth priced into Anadolu Anonim Turk Sigorta Sti (-34.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
The free-cash-flow yield on the price is 15.18 %: that much free cash flow Anadolu Anonim Turk Sigorta Sti produces per unit of market value. When it exceeds the discount rate of our models (14.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Anadolu Anonim Turk Sigorta Sti it is 31.60 TRY per share (as of Nov 1, 2026), against a price of 22.18 TRY. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Anadolu Anonim Turk Sigorta Sti stock overvalued or undervalued in 2026?
As of Nov 1, 2026, ANSGR trades below its calculated fair value: price 22.18 TRY, fair value 31.60 TRY, a gap of about +42% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ANSGR?
No. The price is what the market pays today (22.18 TRY); the fair value is what the company's own numbers justify (31.60 TRY). For Anadolu Anonim Turk Sigorta Sti the two are 9.42 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Anadolu Anonim Turk Sigorta Sti worth?
The market values Anadolu Anonim Turk Sigorta Sti at about 44.4B TRY (market capitalisation, as of Nov 1, 2026). Per share that is 22.18 TRY; our models calculate a fair value of 31.60 TRY per share.
What do the bullish and bearish scenarios say about ANSGR?
Our models span a range for Anadolu Anonim Turk Sigorta Sti: cautious scenario 26.79 TRY, base 31.60 TRY, optimistic 42.54 TRY per share (as of Nov 1, 2026, price 22.18 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ANSGR?
Anadolu Anonim Turk Sigorta Sti trades at a price-to-earnings ratio of 2.8 (as of Nov 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 31.60 TRY is built from several models across several years. Other multiples: PEG 2.3, P/B 1.3, P/S 0.4, EV/EBITDA 0.6.
What is the PEG ratio of ANSGR?
The PEG ratio of Anadolu Anonim Turk Sigorta Sti is 2.35 (P/E divided by earnings growth, as of Nov 1, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
Balance-sheet figures for Anadolu Anonim Turk Sigorta Sti (as of Nov 1, 2026): return on equity 46.8%. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is ANSGR from its 52-week high?
Anadolu Anonim Turk Sigorta Sti trades at 22.18 TRY, about 28% below its 52-week high of 31.00 TRY and 10% above the low of 20.10 TRY (as of Oct 30, 2026). Distance from the high says nothing about value: that is what the fair value of 31.60 TRY is for.
Which stocks are comparable to Anadolu Anonim Turk Sigorta Sti?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Anadolu Anonim Turk Sigorta Sti stock attractive at the current price?
The data as of Nov 1, 2026: price 22.18 TRY, calculated fair value 31.60 TRY (+42%), Quality Score 49/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ANSGR calculated?
We run Anadolu Anonim Turk Sigorta Sti through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 31.60 TRY, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. Anadolu Anonim Turk Sigorta Sti currently trades 30 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
The closing price on Oct 30, 2026 was 22.18 TRY. Our model-based fair value is 31.60 TRY, about +42% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Anadolu Anonim Turk Sigorta Sti right now?
The large discount to fair value meets weak quality (49/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (26.79 TRY). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Anadolu Anonim Turk Sigorta Sti
How large is the market capitalisation of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
The market capitalisation of Anadolu Anonim Turk Sigorta Sti is 44.4B TRY (≈ $888M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
The price-to-sales ratio of Anadolu Anonim Turk Sigorta Sti is 0.42 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
Earnings per share at Anadolu Anonim Turk Sigorta Sti are 7.80 TRY (price ÷ EPS = P/E 2.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
The dividend yield of Anadolu Anonim Turk Sigorta Sti is 6.2% (payout 17.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
The net margin of Anadolu Anonim Turk Sigorta Sti is 14.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
The return on equity (ROE) of Anadolu Anonim Turk Sigorta Sti is 46.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
On an EBIT basis the return on assets of Anadolu Anonim Turk Sigorta Sti is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Anadolu Anonim Turk Sigorta Sti (ANSGR)?
The operating margin of Anadolu Anonim Turk Sigorta Sti is 14.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Anadolu Anonim Turk Sigorta Sti (ANSGR)?
Revenue at Anadolu Anonim Turk Sigorta Sti is growing +32.8% versus a year earlier (3y avg +74.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Anadolu Anonim Turk Sigorta Sti (ANSGR)?
Earnings per share at Anadolu Anonim Turk Sigorta Sti are growing +21.2% versus a year earlier. How much earnings per share grew versus a year earlier.
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Nov 1, 2026