AK Sigorta AS (AKGRT) fair value: what the stock is really worth
We calculate from audited financials what AK Sigorta AS is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
60‑month range 1.28 TRY – 8.80 TRY · fair‑value band 8.46 TRY – 15.15 TRY · the 6.06 TRY price screens below the 12.12 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.
Aksigorta A.S. provides various life and non-life insurance products and services to retail and corporate customers in Turkey. It operates through Fire, Transportation, Motor (Automobile Insurance), Motor Vehicle Liability (Compulsory Traffic), Other, Engineering, Agriculture, Health, and Life segments.
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Aksigorta A.S. provides various life and non-life insurance products and services to retail and corporate customers in Turkey. It operates through Fire, Transportation, Motor (Automobile Insurance), Motor Vehicle Liability (Compulsory Traffic), Other, Engineering, Agriculture, Health, and Life segments. The company offers comprehensive car, motor third party liability, traffic, home, compulsory earthquake, common building property, my health, foreigner health, my travel, my travel, travel health, premium travel, home and content, site management, paw, credit card unemployment, bodycard security, fleet, workplace package, fuel, pharmacy, cyber protection, and other insurances, as well as personal accident insurance and yacht insurances. Aksigorta A.S. was incorporated in 1960 and is headquartered in Istanbul, Turkey.
Stock analysis
AK Sigorta AS (AKGRT) currently trades at 6.06 TRY, while our model-based Fair Value estimate is 12.12 TRY, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 18.55 TRY per share, and 3 of the 6 models we run sit above the 6.06 TRY price.
Bear case: the Dividend Discount group reads lowest at 3.06 TRY, and 3 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: 8.46 TRY (bear) to 15.15 TRY (bull), the price of 6.06 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.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
AK Sigorta AS reported revenue of 20.0B TRY in FY2025 versus 4.6B TRY in FY2021, a compound +44.1%/yr. Reported net income was 2.5B TRY in FY2025, compounding +90.3%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 9.8B TRY (≈ $201M) · P/E ratio 4.1 · P/S ratio 0.50 · EPS (TTM) 1.49 TRY · Dividend yield 2.9% · Net margin 12.4% · Return on equity 36.3% · Return on assets (EBIT) 3.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 30% below its 52-week high and 2% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −11% fair-value upside, at 100%, AKGRT screens cheaper than that median.
Fair Value models
Bear 8.46 TRYFair Value 12.12 TRYBull 15.15 TRY
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 8 months old). Earnings retained since then (1.05 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.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
+7.2%
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.
+40.4%
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.
+42.0%
Revenue growth 19 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.
+21.8%
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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.
+17.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.9%
Dividend (yield on the price)2.9%
Profit margin 2014 to 2019 ⓘ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.3% → 14%
2025 sits 65% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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 · 83 stocks
Beats the industry median on 12/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside+112% · Top 25%
Profitability
Return on equity (TTM)36% · Top 25%
Return on assets3% · Above median
Net margin (TTM)14% · Top 25%
Operating margin (TTM)1% · Bottom 25%
Growth and dividend
Revenue growth45% · Top 25%
Dividend yield (TTM)2.9% · Below median
Balance sheet
Debt / equity0.01× · Lowest 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). "AK Sigorta AS Fair Value". https://www.fairvalue-calculator.com/stock/AKGRT
Frequently asked questions
Is AK Sigorta AS (AKGRT) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 12.12 TRY versus a price of 6.06 TRY, about +100% upside (undervalued).
What is the fair value of AKGRT?
Our model-based fair value for AK Sigorta AS is 12.12 TRY (as of Sep 13, 2026), built from audited fundamentals. The current price: 6.06 TRY.
What is the quality score of AKGRT?
AK Sigorta AS 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 AK Sigorta AS (AKGRT)?
Our model-based price target is the fair value of 12.12 TRY (as of Sep 13, 2026) from 6 valuation models. Cautious scenario 8.46 TRY, optimistic scenario 15.15 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the AK Sigorta AS stock forecast for 2026?
Our models put fair value at 12.12 TRY, about +100% upside versus a price of 6.06 TRY (undervalued). Cautious scenario 8.46 TRY, optimistic scenario 15.15 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of AK Sigorta AS (AKGRT)?
AK Sigorta AS reported trailing-twelve-month revenue of about 17.6B TRY (latest available figure, as of Sep 13, 2026).
Does AK Sigorta AS pay a dividend?
AK Sigorta AS currently shows a dividend yield of about 2.90% relative to its recent price (as of Sep 13, 2026).
What is the intrinsic value of AK Sigorta AS (AKGRT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For AK Sigorta AS it is 12.12 TRY per share (as of Sep 13, 2026), against a price of 6.06 TRY. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is AK Sigorta AS stock overvalued or undervalued in 2026?
As of Sep 13, 2026, AKGRT trades below its calculated fair value: price 6.06 TRY, fair value 12.12 TRY, a gap of about +100% (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 AKGRT?
No. The price is what the market pays today (6.06 TRY); the fair value is what the company's own numbers justify (12.12 TRY). For AK Sigorta AS the two are 6.06 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is AK Sigorta AS worth?
The market values AK Sigorta AS at about 9.8B TRY (market capitalisation, as of Sep 13, 2026). Per share that is 6.06 TRY; our models calculate a fair value of 12.12 TRY per share.
What do the bullish and bearish scenarios say about AKGRT?
Our models span a range for AK Sigorta AS: cautious scenario 8.46 TRY, base 12.12 TRY, optimistic 15.15 TRY per share (as of Sep 13, 2026, price 6.06 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AKGRT?
AK Sigorta AS trades at a price-to-earnings ratio of 4.1 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 12.12 TRY is built from several models across several years. Other multiples: PEG 0.9, P/B 1.4, P/S 0.6, EV/EBITDA 1.0.
What is the PEG ratio of AKGRT?
The PEG ratio of AK Sigorta AS is 0.90 (P/E divided by earnings growth, as of Sep 13, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of AK Sigorta AS (AKGRT)?
Balance-sheet figures for AK Sigorta AS (as of Sep 13, 2026): return on equity 36.3%, debt of 0.01 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is AKGRT from its 52-week high?
AK Sigorta AS trades at 6.06 TRY, about 30% below its 52-week high of 8.71 TRY and 2% above the low of 5.92 TRY (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 12.12 TRY is for.
Which stocks are comparable to AK Sigorta AS?
From the same area (Financial Services) we also value Berkshire Hathaway Inc, Allianz SE, Zurich Insurance Group, AXA SA, 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 AK Sigorta AS stock attractive at the current price?
The data as of Sep 13, 2026: price 6.06 TRY, calculated fair value 12.12 TRY (+100%), 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 AKGRT calculated?
We run AK Sigorta AS 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 12.12 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 15.8 % above its aggregate fair value. AK Sigorta AS currently trades 100 % 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 should I pay attention to with AK Sigorta AS right now?
The price is below even our cautious bear case (8.46 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. Solid quality (49/100) 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.
Key figures of AK Sigorta AS
How large is the market capitalisation of AK Sigorta AS (AKGRT)?
The market capitalisation of AK Sigorta AS is 9.8B TRY (≈ $201M). 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 AK Sigorta AS (AKGRT)?
The price-to-sales ratio of AK Sigorta AS is 0.50 (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 AK Sigorta AS (AKGRT)?
Earnings per share at AK Sigorta AS are 1.49 TRY (price ÷ EPS = P/E 4.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of AK Sigorta AS (AKGRT)?
The dividend yield of AK Sigorta AS is 2.9% (payout 11.8%). 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 AK Sigorta AS (AKGRT)?
The net margin of AK Sigorta AS is 12.4% (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 AK Sigorta AS (AKGRT)?
The return on equity (ROE) of AK Sigorta AS is 36.3% (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 AK Sigorta AS (AKGRT)?
On an EBIT basis the return on assets of AK Sigorta AS is 3.0% (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.
What is the operating margin of AK Sigorta AS (AKGRT)?
The operating margin of AK Sigorta AS is 0.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at AK Sigorta AS (AKGRT)?
Revenue at AK Sigorta AS is growing +45.3% versus a year earlier (3y avg +40.4%). 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 AK Sigorta AS (AKGRT)?
Earnings per share at AK Sigorta AS are growing −23.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does AK Sigorta AS (AKGRT) generate?
The free cash flow of AK Sigorta AS is 6.4B TRY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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