AgeSA Hayat ve Emeklilik Anonim Sirketi, (AGESA) Fair Value & Analysis
Financial Services · TR · Market cap 42.7B TRY
Fair value as of: Jul 31, 2026
From 18 valuation models · updated today
Share price −4.9% over the past month.
What matters now
- The price is below even our cautious bear case (300.90 TRY). The market is more pessimistic than our downside scenario.
- Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (12 months)
12‑month range 151.09 TRY – 263.50 TRY · fair‑value band 300.90 TRY – 501.50 TRY · the 237.90 TRY price screens below the 401.20 TRY fair value. As of Jul 31, 2026.
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AgeSA Hayat ve Emeklilik Anonim Sirketi, (AGESA) currently trades at 237.90 TRY, while our model-based Fair Value estimate is 401.20 TRY, implying the stock looks roughly 68.6% undervalued today. We read business quality at 58/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, AgeSA Hayat ve Emeklilik Anonim Sirketi, generated revenue of 48.5B TRY at a net margin of 12.6%. Revenue grew 33.2% year over year. It earns a return on equity of 77.2%. The stock trades on a trailing P/E of 7.0. Fundamentals as of Jul 31, 2026
Our scenario range runs from 300.90 TRY (bear case) to 501.50 TRY (bull case); at 237.90 TRY, the current price sits below that range. The share trades about 10% below its 52-week high and 61% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -7% fair-value upside, at 69%, AGESA screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
AgeSA Hayat ve Emeklilik Anonim Sirketi, together with its subsidiaries, provides life insurance products in Turkey. It operates in four segments: Life Protection, Savings Life, Non-Life, And Private Pension.
Full company description
AgeSA Hayat ve Emeklilik Anonim Sirketi, together with its subsidiaries, provides life insurance products in Turkey. It operates in four segments: Life Protection, Savings Life, Non-Life, And Private Pension. The company offers life insurance products, including credit-linked, non-credit-linked, premium-refundable life insurance, insurance policies, VIP, credit protection, and savings life insurance, as well as endowment products. It also provides personal accident insurance comprising advantageous plus personal, akbank personal accident, and express accident insurance. In addition, the company offers private pension system plans, including future cumulative, pension investment, VIP cumulative, prestigious pension investment, Turkish citizenship, pension income, and auto-enrollment plans. The company was formerly known as AvivaSA Emeklilik ve Hayat A.S. and changed its name to AgeSA Hayat ve Emeklilik Anonim Sirketi in August 2021. AgeSA Hayat ve Emeklilik Anonim Sirketi was incorporated in 1941 and is headquartered in Istanbul, Turkey.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
AgeSA Hayat ve Emeklilik Anonim Sirketi, reported revenue of 45.7B TRY in FY2025 versus 2.9B TRY in FY2021, a compound +98.7%/yr. Reported net income was 5.6B TRY in FY2025, compounding +79.0%/yr from FY2021.
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Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRYN | €405.20 | €291.67 | -28% |
| Allianz SE ALV | €406.60 | €468.26 | +15% |
| Zurich Insurance Group ZURN | CHF 584.20 | CHF 685.05 | +17% |
| AXA SA AXAN | 795.49 MXN | 43.50 MXN | -95% |
| Assicurazioni Generali S.p.A ARZGY | $24.41 | $28.91 | +18% |
| Sun Life Financial Inc SLF | C$109.75 | C$140.70 | +28% |
| American International Group AIGB34 | R$397.02 | R$91.86 | -77% |
| The Hartford Insurance Group H1IG34 | R$727.00 | R$237.89 | -67% |
| BB Seguridade Participações S.A BBSE3 | R$35.39 | R$31.22 | -12% |
| Tryg A/S TRYG | kr 151.40 | kr 140.56 | -7% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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