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.
- Fair value 30%+ above price?Yes
- Quality 50+?Yes
- In an uptrend?No
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Albaraka Turk Katilim Bankasi AS
ALBRK · ISClearly undervaluedStrong Fair Value upside, but quality is only moderate.
The stock costs 50% less than our calculation considers fair.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
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
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare Albaraka Turk Katilim Bankasi AS with another stock
Price, fair value, quality and upside side by side.
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
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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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Key figures of Albaraka Turk Katilim Bankasi AS
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