Turkiye Garanti Bankasi AS (TKGBY) Fair Value & Analysis
Financial Services · US · Market cap $14.0B
Turkiye Garanti Bankasi AS
TKGBY · US
Strengths
Risks
Fair value as of: Aug 13, 2026
From 4 valuation models · updated 10 days ago
Fair value updated Aug 13, 2026, revised from $5.64 to $4.47 (−20.7%) since Jul 27, 2026. Share price −4.6% over the past month.
Below-average quality, screening 67% undervalued on our models.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case ($3.36). The market is more pessimistic than our downside scenario.
- Solid quality (46/100) 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 (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range $0.6198 – $3.79 · fair‑value band $3.36 – $5.60 · the $2.68 price screens below the $4.47 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Turkiye Garanti Bankasi AS (TKGBY) currently trades at $2.68, while our model-based Fair Value estimate is $4.47, implying the stock looks roughly 67.0% undervalued today. The Quality Score stands at 46/100 (below-average 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: high), always confirm before acting.
Over the trailing twelve months, Turkiye Garanti Bankasi AS generated revenue of $304B at a net margin of 32.5%. Revenue grew 49.7% year over year. It earns a return on equity of 30.1%. Net debt stands at $394B. Fundamentals as of Aug 13, 2026
Our scenario range runs from $3.36 (bear case) to $5.60 (bull case); at $2.68, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 27% 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 -9% fair-value upside, at 67%, TKGBY screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit ($243.25) versus Asset-Based ($70.84). Highest evidence: P/E Multiple (63).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 30
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Turkiye Garanti Bankasi A.S. provides various banking products and services in Turkey. It offers current, savings, time deposit, e-savings, YUVAM, NET, ELMA, overdraft, and gold accounts; SME general purpose, auto, mortgage, commercial, foreign currency spot, installment loans, and project loans, as well as IBOR reforms and foreign trade financing; …
Full company description
Turkiye Garanti Bankasi A.S. provides various banking products and services in Turkey. It offers current, savings, time deposit, e-savings, YUVAM, NET, ELMA, overdraft, and gold accounts; SME general purpose, auto, mortgage, commercial, foreign currency spot, installment loans, and project loans, as well as IBOR reforms and foreign trade financing; investment funds, stocks, derivatives, Garanti BBVA e-trader platform, time barred deposit and investment lists, and derivative instruments; credit and debit cards, BonusFlas, and POS and e-commerce products; and insurance and pension products. The company also provides payment systems and services; private banking services; banking services for salary payments/entrepreneurship and women entrepreneurs; leasing fleet factoring services; investment banking and financing services; mobile and internet banking services; and ATM and cash management services. The company was founded in 1946 and is headquartered in Istanbul, Turkey. Turkiye Garanti Bankasi A.S. is a subsidiary of Banco Bilbao Vizcaya Argentaria, S.A.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Turkiye Garanti Bankasi AS reported revenue of $410B in FY2025 versus $61.6B in FY2021, a compound +60.7%/yr. Reported net income was $110B in FY2025, compounding +70.7%/yr from FY2021.
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Peer Group
Banks - Regional · 1091 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
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.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.85 SGD | 40.48 SGD | -47% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.92 | €6.06 | -12% |
| HDFC Bank Limited HDB | $23.17 | $23.73 | +2% |
| BNP Paribas SA BNP | €112.00 | €144.64 | +29% |
| UniCredit S.p.A UCG | €84.75 | €77.62 | -8% |
| Mizuho Financial Group MFG | $10.87 | $9.85 | -9% |
| ICICI Bank Limited ICICIBANK | ₹1,432 | ₹835.21 | -42% |
| CaixaBank, S.A CABK | €12.91 | €8.85 | -31% |
| Oversea-Chinese Banking Corporation O39 | 31.19 SGD | 19.80 SGD | -37% |
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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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