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Data-driven stock valuation

Albaraka Turk Katilim Bankasi AS (ALBRK) fair value: what the stock is really worth

As of Oct 28, 2026: fair value (intrinsic value) of Albaraka Turk Katilim Bankasi AS stock TRY 16.28, price TRY 8.14, upside +100.0%, quality 60 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value 30%+ above price?Yes
  2. Quality 50+?Yes
  3. In an uptrend?No
  4. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services TR · ISIN TREALBK00011

AT Albaraka Turk Katilim Bankasi AS logo Thin data Oct 29, 2026

Albaraka Turk Katilim Bankasi AS

ALBRK · IS

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

The stock costs 50% less than our calculation considers fair.

Fair value 16.28 TRY · Strongly undervalued (50%)
Quality 60/100
Highly profitable · 32.3% net margin (TTM)
Low debt
Ranks above peers (11/13)
Mixed Growth (revenue 5y +60.3 %/yr in TRY)
Wide moat 79/100 · thin data
Negative free cash flow
Thin data

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

9.98 TRY 1.10 TRY Fair Value 16.28 TRY Aug 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year. As of Oct 29, 2026.

How to read this chart

60‑month range 1.10 TRY – 9.98 TRY · fair‑value band 12.21 TRY – 20.35 TRY · the 8.14 TRY price screens below the 16.28 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 29, 2026.

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Company profile

Albaraka Türk Katilim Bankasi A.S. provides various banking products and services in Turkey. It provides participation, current, trend, and gold accounts.

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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.

Stock analysis

Albaraka Turk Katilim Bankasi AS (ALBRK) currently trades at 8.14 TRY, while our model-based Fair Value estimate is 16.28 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 25.29 TRY per share, and 3 of the 6 models we run sit above the 8.14 TRY price.

Bear case: the Asset-Based group reads lowest at 7.35 TRY, and 3 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 12.21 TRY (bear) to 20.35 TRY (bull), the price of 8.14 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 60/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Albaraka Turk Katilim Bankasi AS 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. FY2021 was a trough year, so the rate overstates the trend.

Key figures

Market cap 20.4B TRY (≈ $408M) Small · P/E ratio 2.2 · P/S ratio 0.71 · EPS (TTM) 3.72 TRY · Dividend yield 2.1% · Net margin 32.3% · Return on equity 34.4% · Return on assets (EBIT) 0.7%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 79 out of 100 (low confidence).

What moves the price

The share trades about 18% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 100%, ALBRK screens cheaper than that median.

Fair Value models

Bear 12.21 TRY Fair Value 16.28 TRY Bull 20.35 TRY
Price 8.14 TRY · Upside +100.0%
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 (3.08 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.
Best data coverage
Residual Income 21.59 TRY 25.29 TRY 34.52 TRY 76
Gordon GGM 1.03 TRY 1.09 TRY 1.18 TRY 69
DDM Multi-Stage 1.03 TRY 1.16 TRY 1.31 TRY 67
All 6 models by family
Dividend Discount
Gordon GGM 1.03 TRY 1.09 TRY 1.18 TRY 69
DDM Multi-Stage 1.03 TRY 1.16 TRY 1.31 TRY 67
Multiples
P/E Multiple 58.57 TRY 78.09 TRY 97.61 TRY 63
P/B Multiple 11.51 TRY 15.35 TRY 19.19 TRY 55
Asset-Based
NCAV (Graham) 5.48 TRY 7.35 TRY 10.97 TRY 54
Economic Profit
Residual Income 21.59 TRY 25.29 TRY 34.52 TRY 76

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Quality Score breakdown

Overall quality 60/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 47
How much profit the company makes from its sales and capital
Quality Growth 58
Are margins and returns getting better?
Cashflow 33
Do the profits arrive as real cash?
Financial strength 86
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 67
How calm the share price moves, does not count
Momentum 40
Price trend of the last 3 to 12 months, does not count
Near the 52-week high 32
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

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Revenue & earnings trend

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. 60/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+46.5%
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.
+36.7%
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.
+60.3%
Start year 2020 (pandemic). Over 10 years: +37.5% a year
Revenue growth 25 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.
−27.5%
What shareholders gained per year (last 5 years) (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.
+96.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+94.5%
Dividend (yield on the price)2.1%
2025 sits 278% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

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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.Banks - Regional · 1064 stocks

Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 60 · Top 25%
Fair Value upside +100.0% · Top 25%
Profitability
Return on equity (12 months) 34.4% · Top 25%
Return on assets 3.2% · Top 25%
Net margin (12 months) 32.3% · Above median
Operating margin (12 months) 39.7% · Below median
Growth and dividend
Revenue growth (quarter YoY) 63.6% · Top 25%
Dividend yield (12 months) 2.1% · Below median
Balance sheet
Debt / equity 0.07× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 2.2× · Cheapest 25%
P/B 0.71× · Cheapest 25%
P/S (12 months) 0.71× · Cheapest 25%
PEG 0.37× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 11
FUTURE (revenue growth)100 · sector 48
PAST (return on equity)100 · sector 41
HEALTH (low debt)97 · sector 84
DIVIDEND (yield)41 · sector 52

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
China Merchants Bank Co 600036 ¥42.50 ¥52.73 +24% vs ALBRK
BNP Paribas SA BNP €85.55 €106.06 +24% vs ALBRK
Itaú Unibanco Holding ITUB $7.70 $6.95 −10% vs ALBRK
Mizuho Financial Group MFG $9.51 $6.85 −28% vs ALBRK
Intesa Sanpaolo S.p.A ISP €6.02 €4.15 −31% vs ALBRK
Oversea-Chinese Banking Corporation O39 28.96 SGD 19.78 SGD −32% vs ALBRK
UniCredit S.p.A UCG €74.56 €50.44 −32% vs ALBRK
HDFC Bank Limited HDFCBANK ₹688.05 ₹406.39 −41% vs ALBRK
DBS Group D05 74.21 SGD 40.39 SGD −46% vs ALBRK
ICICI Bank Limited ICICIBANK ₹1,387 ₹615.63 −56% vs ALBRK

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Cite: Fair Value Calculator (2026). "Albaraka Turk Katilim Bankasi AS Fair Value". https://www.fairvalue-calculator.com/stock/ALBRK

Frequently asked questions

Is Albaraka Turk Katilim Bankasi AS (ALBRK) overvalued or undervalued?
As of Oct 29, 2026, our model estimates a fair value of 16.28 TRY versus a price of 8.14 TRY, about +100% upside (undervalued).
What is the fair value of ALBRK?
Our model-based fair value for Albaraka Turk Katilim Bankasi AS is 16.28 TRY (as of Oct 29, 2026), built from audited fundamentals. The current price: 8.14 TRY.
What is the quality score of ALBRK?
Albaraka Turk Katilim Bankasi AS 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 Albaraka Turk Katilim Bankasi AS (ALBRK)?
Our model-based price target is the fair value of 16.28 TRY (as of Oct 29, 2026) from 6 valuation models. Cautious scenario 12.21 TRY, optimistic scenario 20.35 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Albaraka Turk Katilim Bankasi AS stock forecast for 2026?
Our models put fair value at 16.28 TRY, about +100% upside versus a price of 8.14 TRY (undervalued). Cautious scenario 12.21 TRY, optimistic scenario 20.35 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Albaraka Turk Katilim Bankasi AS (ALBRK)?
Albaraka Turk Katilim Bankasi AS reported trailing-twelve-month revenue of about 28.9B TRY (latest available figure, as of Oct 29, 2026).
Does Albaraka Turk Katilim Bankasi AS pay a dividend?
Albaraka Turk Katilim Bankasi AS currently shows a dividend yield of 2.07% relative to its recent price (as of Oct 29, 2026).
What is the intrinsic value of Albaraka Turk Katilim Bankasi AS (ALBRK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Albaraka Turk Katilim Bankasi AS it is 16.28 TRY per share (as of Oct 29, 2026), against a price of 8.14 TRY. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Albaraka Turk Katilim Bankasi AS stock overvalued or undervalued in 2026?
As of Oct 29, 2026, ALBRK trades below its calculated fair value: price 8.14 TRY, fair value 16.28 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 ALBRK?
No. The price is what the market pays today (8.14 TRY); the fair value is what the company's own numbers justify (16.28 TRY). For Albaraka Turk Katilim Bankasi AS the two are 8.14 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Albaraka Turk Katilim Bankasi AS worth?
The market values Albaraka Turk Katilim Bankasi AS at about 20.4B TRY (market capitalisation, as of Oct 29, 2026). Per share that is 8.14 TRY; our models calculate a fair value of 16.28 TRY per share.
What do the bullish and bearish scenarios say about ALBRK?
Our models span a range for Albaraka Turk Katilim Bankasi AS: cautious scenario 12.21 TRY, base 16.28 TRY, optimistic 20.35 TRY per share (as of Oct 29, 2026, price 8.14 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ALBRK?
Albaraka Turk Katilim Bankasi AS trades at a price-to-earnings ratio of 2.2 (as of Oct 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 16.28 TRY is built from several models across several years. Other multiples: PEG 0.4, P/B 0.7, P/S 0.7.
What is the PEG ratio of ALBRK?
The PEG ratio of Albaraka Turk Katilim Bankasi AS is 0.37 (P/E divided by earnings growth, as of Oct 29, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Albaraka Turk Katilim Bankasi AS (ALBRK)?
Balance-sheet figures for Albaraka Turk Katilim Bankasi AS (as of Oct 29, 2026): return on equity 34.4%, debt of 0.07 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is ALBRK from its 52-week high?
Albaraka Turk Katilim Bankasi AS trades at 8.14 TRY, about 18% below its 52-week high of 9.98 TRY and 12% above the low of 7.28 TRY (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 16.28 TRY is for.
Which stocks are comparable to Albaraka Turk Katilim Bankasi AS?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, 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 Albaraka Turk Katilim Bankasi AS stock attractive at the current price?
The data as of Oct 29, 2026: price 8.14 TRY, calculated fair value 16.28 TRY (+100%), 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 ALBRK calculated?
We run Albaraka Turk Katilim Bankasi 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 16.28 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 13.4 % above its aggregate fair value. Albaraka Turk Katilim Bankasi AS currently trades 50 % 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 Albaraka Turk Katilim Bankasi AS (ALBRK)?
The closing price on Oct 28, 2026 was 8.14 TRY. Our model-based fair value is 16.28 TRY, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Albaraka Turk Katilim Bankasi AS right now?
The price is below even our cautious bear case (12.21 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 (60/100) 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 Albaraka Turk Katilim Bankasi AS

How large is the market capitalisation of Albaraka Turk Katilim Bankasi AS (ALBRK)?
The market capitalisation of Albaraka Turk Katilim Bankasi AS is 20.4B TRY (≈ $408M). 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 Albaraka Turk Katilim Bankasi AS (ALBRK)?
The price-to-sales ratio of Albaraka Turk Katilim Bankasi AS is 0.71 (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 Albaraka Turk Katilim Bankasi AS (ALBRK)?
Earnings per share at Albaraka Turk Katilim Bankasi AS are 3.72 TRY (price ÷ EPS = P/E 2.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Albaraka Turk Katilim Bankasi AS (ALBRK)?
The dividend yield of Albaraka Turk Katilim Bankasi AS is 2.1% (payout 4.5%). 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 Albaraka Turk Katilim Bankasi AS (ALBRK)?
The net margin of Albaraka Turk Katilim Bankasi AS is 32.3% (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 Albaraka Turk Katilim Bankasi AS (ALBRK)?
The return on equity (ROE) of Albaraka Turk Katilim Bankasi AS is 34.4% (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 Albaraka Turk Katilim Bankasi AS (ALBRK)?
On an EBIT basis the return on assets of Albaraka Turk Katilim Bankasi AS is 0.7% (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 Albaraka Turk Katilim Bankasi AS (ALBRK)?
The operating margin of Albaraka Turk Katilim Bankasi AS is 39.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Albaraka Turk Katilim Bankasi AS (ALBRK)?
Revenue at Albaraka Turk Katilim Bankasi AS is growing +63.6% versus a year earlier (3y avg +36.7%). 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 Albaraka Turk Katilim Bankasi AS (ALBRK)?
Earnings per share at Albaraka Turk Katilim Bankasi AS are growing +68.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Albaraka Turk Katilim Bankasi AS (ALBRK) generate?
The free cash flow of Albaraka Turk Katilim Bankasi AS is −17.6B TRY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Albaraka Turk Katilim Bankasi AS (ALBRK) carry?
The net debt of Albaraka Turk Katilim Bankasi AS is 18.3B TRY (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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