Anadolu Hayat Emeklilik Anonim Sirketi (AELIY) fair value: what the stock is really worth
As of Aug 21, 2026: fair value of Anadolu Hayat Emeklilik Anonim Sirketi $9.84, price $8.22, upside +19.7%, quality 60 out of 100. 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 Sep 28, 2026.
How to read this chart
60‑month range $2.22 – $11.62 · fair‑value band $7.38 – $13.04 · the $8.22 price screens below the $9.84 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 28, 2026.
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Anadolu Hayat Emeklilik Anonim Sirketi provides private pension and life insurance products in Turkey. The company offers private pension products, including individual, non-sponsored group, employer-sponsored, and income drawdown plans; auto-enrolment plans; and life insurance products, such as savings and endowment, annuities, and term life.
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Anadolu Hayat Emeklilik Anonim Sirketi provides private pension and life insurance products in Turkey. The company offers private pension products, including individual, non-sponsored group, employer-sponsored, and income drawdown plans; auto-enrolment plans; and life insurance products, such as savings and endowment, annuities, and term life. It also provides personal and group accident insurance products. In addition, the company provides conservative, balanced, dynamic, and aggressive pension funds. The company was formerly known as Anadolu Hayat Sigorta A.S. and changed its name to Anadolu Hayat Emeklilik Anonim Sirketi in 2003. Anadolu Hayat Emeklilik Anonim Sirketi was founded in 1990 and is headquartered in Istanbul, Turkey. Anadolu Hayat Emeklilik Anonim Sirketi is a subsidiary of Türkiye Is Bankasi A.S.
Stock analysis
Anadolu Hayat Emeklilik Anonim Sirketi (AELIY) currently trades at $8.22, while our model-based Fair Value estimate is $9.84, implying the stock looks roughly 16.5% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of $10.78 per share, and 2 of the 6 models we run sit above the $8.22 price.
Bear case: the Asset-Based group reads lowest at $1.73, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $7.38 (bear) to $13.04 (bull), the price of $8.22 sits inside 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 60/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Anadolu Hayat Emeklilik Anonim Sirketi reported revenue of 32.4B TRY in FY2025 versus 4.9B TRY in FY2021, a compound +60.1%/yr. Reported net income was 6.5B TRY in FY2025, compounding +74.6%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap $884M · P/E ratio 7.0 · P/S ratio 1.40 · EPS (TTM) $1.18 · Dividend yield 7.4% · Net margin 20.0% · Return on equity 65.8% · Return on assets (EBIT) 2.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 29% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 20%, AELIY screens cheaper than that median.
Fair Value models
Bear $7.38Fair Value $9.84Bull $13.04
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.8923 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.Evidence ⓘEvidence = 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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+39.5%
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.
+60.2%
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.
+62.2%
Start year 2020 (pandemic). Over 10 years: +43.3% a year
Revenue growth 20 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.
+21.3%
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What shareholders gained per year (last 5 years), in TRY (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in TRY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+76.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+69.1%
Dividend (yield on the price)7.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.65.3% vs 46.2%, picking up
Profit margin 2019 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 25%
2025 sits 128% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
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).
−38.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in TRY, Turkey: IMF forecast 19.3% a year to 2030, 28.5% from 2016 to 2025) that is about −48.1% a year for the price.
Compare Anadolu Hayat Emeklilik Anonim Sirketi 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 - Life · 88 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score54 · Above median
Fair Value upside+12.7% · Above median
Profitability
Return on equity (TTM)65.8% · Top 25%
Return on assets1.5% · Above median
Net margin (TTM)16.0% · Above median
Operating margin (TTM)0.0% · Bottom 25%
Growth and dividend
Revenue growth33.4% · Top 25%
Dividend yield (TTM)7.4% · Top 25%
Valuation Multiplesvs Insurance - Life 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 Hayat Emeklilik Anonim Sirketi Fair Value". https://www.fairvalue-calculator.com/stock/AELIY
Frequently asked questions
Is Anadolu Hayat Emeklilik Anonim Sirketi (AELIY) overvalued or undervalued?
As of Sep 28, 2026, our model estimates a fair value of $9.84 versus the last price from Aug 21, 2026 of $8.22, about +20% upside (undervalued).
What is the fair value of AELIY?
Our model-based fair value for Anadolu Hayat Emeklilik Anonim Sirketi is $9.84 (as of Sep 28, 2026), built from audited fundamentals. Last price (from Aug 21, 2026): $8.22.
What is the quality score of AELIY?
Anadolu Hayat Emeklilik Anonim Sirketi has a Quality Score of 60/100. 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 Hayat Emeklilik Anonim Sirketi (AELIY)?
Our model-based price target is the fair value of $9.84 (as of Sep 28, 2026) from 6 valuation models. Cautious scenario $7.38, optimistic scenario $13.04. It is a calculation from audited fundamentals, not an analyst target.
What is the Anadolu Hayat Emeklilik Anonim Sirketi stock forecast for 2026?
Our models put fair value at $9.84, about +20% upside versus the last price from Aug 21, 2026 of $8.22 (undervalued). Cautious scenario $7.38, optimistic scenario $13.04. The calculation is refreshed regularly with new filings.
What is the revenue of Anadolu Hayat Emeklilik Anonim Sirketi (AELIY)?
Anadolu Hayat Emeklilik Anonim Sirketi reported trailing-twelve-month revenue of about 33.8B TRY (latest available figure, as of Sep 28, 2026).
Does Anadolu Hayat Emeklilik Anonim Sirketi pay a dividend?
Anadolu Hayat Emeklilik Anonim Sirketi currently shows a dividend yield of about 7.43% relative to its recent price (as of Sep 28, 2026).
What growth is priced into Anadolu Hayat Emeklilik Anonim Sirketi (AELIY)?
For today's price to be fair in a discounted-cash-flow model, Anadolu Hayat Emeklilik Anonim Sirketi would have to grow free cash flow by -38.1 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +62.2 % per year. As of Sep 28, 2026.
What discount rate (WACC) does the fair value of AELIY use?
Our models discount Anadolu Hayat Emeklilik Anonim Sirketi at 9.8 %: a base by market capitalisation (small), damped by beta 0.23, country premium for USA. 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 Hayat Emeklilik Anonim Sirketi that is -38.1 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has Anadolu Hayat Emeklilik Anonim Sirketi (AELIY) delivered so far?
Over the past 5 years revenue at Anadolu Hayat Emeklilik Anonim Sirketi grew +62.2 % a year. The price currently implies -38.1 % 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 Hayat Emeklilik Anonim Sirketi (AELIY) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into Anadolu Hayat Emeklilik Anonim Sirketi (-38.1 % 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 Hayat Emeklilik Anonim Sirketi (AELIY)?
The free-cash-flow yield on the price is 32.53 %: that much free cash flow Anadolu Hayat Emeklilik Anonim Sirketi produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), 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 Hayat Emeklilik Anonim Sirketi (AELIY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Anadolu Hayat Emeklilik Anonim Sirketi it is $9.84 per share (as of Sep 28, 2026), against a price of $8.22. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Anadolu Hayat Emeklilik Anonim Sirketi stock overvalued or undervalued in 2026?
As of Sep 28, 2026, AELIY trades below its calculated fair value: price $8.22, fair value $9.84, a gap of about +20% (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 AELIY?
No. The price is what the market pays today ($8.22); the fair value is what the company's own numbers justify ($9.84). For Anadolu Hayat Emeklilik Anonim Sirketi the two are $1.62 per share apart. That gap is exactly why we show both numbers side by side.
How much is Anadolu Hayat Emeklilik Anonim Sirketi worth?
The market values Anadolu Hayat Emeklilik Anonim Sirketi at about $884M (market capitalisation, as of Sep 28, 2026). Per share that is $8.22; our models calculate a fair value of $9.84 per share.
What do the bullish and bearish scenarios say about AELIY?
Our models span a range for Anadolu Hayat Emeklilik Anonim Sirketi: cautious scenario $7.38, base $9.84, optimistic $13.04 per share (as of Sep 28, 2026, price $8.22). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AELIY?
Anadolu Hayat Emeklilik Anonim Sirketi trades at a price-to-earnings ratio of 7.0 (as of Sep 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $9.84 is built from several models across several years. Other multiples: P/B 3.2, P/S 1.3, EV/EBITDA 3.9.
How solid is the balance sheet of Anadolu Hayat Emeklilik Anonim Sirketi (AELIY)?
Balance-sheet figures for Anadolu Hayat Emeklilik Anonim Sirketi (as of Sep 28, 2026): return on equity 65.8%. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is AELIY from its 52-week high?
Anadolu Hayat Emeklilik Anonim Sirketi trades at $8.22, at its 52-week high of $8.22 and 29% above the low of $6.36 (as of Aug 21, 2026). Distance from the high says nothing about value: that is what the fair value of $9.84 is for.
Which stocks are comparable to Anadolu Hayat Emeklilik Anonim Sirketi?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, 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 Hayat Emeklilik Anonim Sirketi stock attractive at the current price?
The data as of Sep 28, 2026: price $8.22, calculated fair value $9.84 (+20%), Quality Score 60/100, 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 AELIY calculated?
We run Anadolu Hayat Emeklilik Anonim Sirketi 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 $9.84, 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 14.5 % above its aggregate fair value. Anadolu Hayat Emeklilik Anonim Sirketi currently trades 16 % 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 Hayat Emeklilik Anonim Sirketi (AELIY)?
The latest price we hold is from Aug 21, 2026 and stands at $8.22. Our model-based fair value is $9.84, about +20% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Anadolu Hayat Emeklilik Anonim Sirketi right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Where does the earnings growth of Anadolu Hayat Emeklilik Anonim Sirketi (AELIY) come from?
Earnings per share at Anadolu Hayat Emeklilik Anonim Sirketi grew +46.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +44.0 %, EBIT margin +2.1 %, tax rate −0.8 %, residual (interest, one-offs) +0.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Anadolu Hayat Emeklilik Anonim Sirketi
How large is the market capitalisation of Anadolu Hayat Emeklilik Anonim Sirketi (AELIY)?
The market capitalisation of Anadolu Hayat Emeklilik Anonim Sirketi is $884M. 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 Hayat Emeklilik Anonim Sirketi (AELIY)?
The price-to-sales ratio of Anadolu Hayat Emeklilik Anonim Sirketi is 1.40 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Anadolu Hayat Emeklilik Anonim Sirketi (AELIY)?
Earnings per share at Anadolu Hayat Emeklilik Anonim Sirketi are $1.18 (price ÷ EPS = P/E 7.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Anadolu Hayat Emeklilik Anonim Sirketi (AELIY)?
The dividend yield of Anadolu Hayat Emeklilik Anonim Sirketi is 7.4% (payout 51.8%). 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 Hayat Emeklilik Anonim Sirketi (AELIY)?
The net margin of Anadolu Hayat Emeklilik Anonim Sirketi is 20.0% (fiscal year 2025). 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 Hayat Emeklilik Anonim Sirketi (AELIY)?
The return on equity (ROE) of Anadolu Hayat Emeklilik Anonim Sirketi is 65.8% (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 Hayat Emeklilik Anonim Sirketi (AELIY)?
On an EBIT basis the return on assets of Anadolu Hayat Emeklilik Anonim Sirketi is 2.0% (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.
How fast is revenue growing at Anadolu Hayat Emeklilik Anonim Sirketi (AELIY)?
Revenue at Anadolu Hayat Emeklilik Anonim Sirketi is growing +33.4% versus a year earlier (3y avg +60.2%). 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 Hayat Emeklilik Anonim Sirketi (AELIY)?
Earnings per share at Anadolu Hayat Emeklilik Anonim Sirketi are growing +45.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Anadolu Hayat Emeklilik Anonim Sirketi (AELIY) hold?
Anadolu Hayat Emeklilik Anonim Sirketi holds more cash than debt, 7.9B TRY net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 28, 2026