Haci Ömer Sabanci Holding (SAHOL) Fair Value & Analysis
Financial Services · TR · Market cap 175B TRY
Fair value as of: Aug 1, 2026
From 23 valuation models · updated today
Share price −13.9% over the past month.
What matters now
- The price sits above even our optimistic bull case (29.81 TRY). The favourable scenario is already priced in.
- Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts.
- 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 74.01 TRY – 110.82 TRY · fair‑value band 17.89 TRY – 29.81 TRY · the 84.50 TRY price screens above the 23.85 TRY fair value. As of Aug 1, 2026.
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Haci Ömer Sabanci Holding (SAHOL) currently trades at 84.50 TRY, while our model-based Fair Value estimate is 23.85 TRY, implying the stock looks roughly 71.8% overvalued today. We read business quality at 41/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, Haci Ömer Sabanci Holding generated revenue of 260B TRY at a net margin of 3.1%. Revenue grew 7.4% year over year. It earns a return on equity of 2.4%. Net debt stands at 9.4B TRY. Fundamentals as of Aug 1, 2026
Our scenario range runs from 17.89 TRY (bear case) to 29.81 TRY (bull case); at 84.50 TRY, the current price sits above that range. The share trades about 25% below its 52-week high and 16% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 36% fair-value upside, at -72%, SAHOL screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 1, 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
Haci Ömer Sabanci Holding A.S., together with its subsidiaries, engages in the management and coordination of companies in the finance, manufacturing, and trade sectors in Turkey and internationally. The company operates through six segments: Banking, Financial Services, Energy, Material Technologies, Digital, and Others.
Full company description
Haci Ömer Sabanci Holding A.S., together with its subsidiaries, engages in the management and coordination of companies in the finance, manufacturing, and trade sectors in Turkey and internationally. The company operates through six segments: Banking, Financial Services, Energy, Material Technologies, Digital, and Others. It offers corporate, retail, investment, private, and digital banking services, as well as payment systems, insurance products, and private pension plans; and generates, distributes, and digitalizes electricity from wind, solar, hydroelectric, and other renewable energy sources. The company also provides alternative fuels, building materials, and white cement, as well as mobility solutions and tire reinforcement services; and engages in digital marketing technologies and services, cloud and technology services, and digital transformation products. In addition, it is involved in the trading of various products; after-sales, service, and spare parts activities for passenger and commercial vehicles; retailing of consumer electronics, imaging, information technology, telecommunications products, and home appliances; and operation of hotel chains. The company was incorporated in 1967 and is headquartered in Istanbul, Turkey.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Haci Ömer Sabanci Holding reported revenue of 532B TRL in FY2025 versus 61.4B TRL in FY2021, a compound +71.6%/yr. Reported net income was 3.8B TRL in FY2025, compounding −25.1%/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 Aug 1, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 5,650 IDR | 5,671 IDR | +0% |
| KB Financial Group 105560 | 154,000 KRW | 172,992 KRW | +12% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,880 IDR | 5,760 IDR | +100% |
| PT Bank Mandiri (Persero) Tbk BMRI | 3,710 IDR | 7,420 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,500 KRW | 122,401 KRW | +14% |
| Hana Financial Group 086790 | 119,700 KRW | 162,890 KRW | +36% |
| 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 | 61,700 VND | 63,824 VND | +3% |
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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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