Albaraka Türk Katilim Bankasi A.S. (ALBRK) Fair Value & Analysis
Financial Services · TR · Market cap 19.7B TRY
Fair value as of: Jul 31, 2026
From 12 valuation models · updated today
Share price −1.9% over the past month.
What matters now
- The price is below even our cautious bear case (11.93 TRY). The market is more pessimistic than our downside scenario.
- Solid quality (50/100) 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 7.28 TRY – 9.98 TRY · fair‑value band 11.93 TRY – 19.87 TRY · the 7.95 TRY price screens below the 15.90 TRY fair value. As of Jul 31, 2026.
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Albaraka Türk Katilim Bankasi A.S. (ALBRK) currently trades at 7.95 TRY, while our model-based Fair Value estimate is 15.90 TRY, implying the stock looks roughly 100.0% undervalued today. We read business quality at 50/100 (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: medium), always confirm before acting.
Over the trailing twelve months, Albaraka Türk Katilim Bankasi A.S. generated revenue of 26.0B TRY at a net margin of 31.7%. Revenue declined 42.6% year over year. It earns a return on equity of 33.1%. Net debt stands at 18.3B TRY. Fundamentals as of Jul 31, 2026
Our scenario range runs from 11.93 TRY (bear case) to 19.87 TRY (bull case); at 7.95 TRY, the current price sits below that range. The share trades about 22% 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 42% fair-value upside, at 100%, ALBRK 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
Albaraka Türk Katilim Bankasi A.S. provides various banking products and services in Turkey. It provides participation, current, trend, and gold accounts.
Full company description
Albaraka Türk Katilim Bankasi A.S. provides various banking products and services in Turkey. It provides participation, current, trend, and gold accounts. The company also offers housing, real estate, vehicle, consumer, dealer, and jet financing services; cards, including debit, trend, credit, and digital debit cards; insurance and pensions, such as private pensions, auto, home, health, life and personal accident; investment, comprising capital market and treasury products; payments and other banking services. In addition, it provides SME, commercial, and corporate cash and non-cash, leasing, credit guarantee fund, and dealer financing; foreign trade payments, financings, treasury products, electronic transfer notice form, other transactions; cash management, such as collections and payments, e-services, and intergrations; merchant and POS, including merchant member services, applications, products, and solutions; investment, which includes capital market products, treasury products, and electronic product certificate; insurance and pension for employees, responsibilities, assets, and farmers; and SME and chargeback cards. Further, the company offers digital banking; mobile banking; open banking; and internet branch services, as well as provides ATM banking and services. Albaraka Türk Katilim Bankasi A.S. was incorporated in 1984 and is headquartered in Ümraniye, Turkey.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Albaraka Türk Katilim Bankasi A.S. reported revenue of 24.9B TRL in FY2025 versus 3.2B TRL in FY2021, a compound +67.1%/yr. Reported net income was 15.0B TRL in FY2025, compounding +159.2%/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 Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,225 IDR | 6,617 IDR | +6% |
| KB Financial Group 105560 | 157,000 KRW | 205,701 KRW | +31% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,870 IDR | 5,740 IDR | +100% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,260 IDR | 8,520 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 98,200 KRW | 119,210 KRW | +21% |
| Hana Financial Group 086790 | 123,600 KRW | 112,429 KRW | -9% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 179.00 CLP | 92.69 CLP | -48% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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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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