Türkiye Sigorta A.S. (TURSG) Fair Value & Analysis
Financial Services · TR · Market cap 126B TRY
Fair value as of: Aug 2, 2026
From 26 valuation models · updated today
Share price +4.0% over the past month.
A solid business, and the price sits 100% below our fair value.
What matters now
- The price is below even our cautious bear case (9.44 TRY). The market is more pessimistic than our downside scenario.
- Solid quality (61/100) 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 2, 2026.
How to read this chart
60‑month range 0.2194 TRY – 7.44 TRY · fair‑value band 9.44 TRY – 15.73 TRY · the 6.29 TRY price screens below the 12.58 TRY fair value. Dashed = 300-day average. As of Aug 2, 2026.
Analysis
Türkiye Sigorta A.S. (TURSG) currently trades at 6.29 TRY, while our model-based Fair Value estimate is 12.58 TRY, implying the stock looks roughly 100.0% undervalued today. We read business quality at 61/100 (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: high), always confirm before acting.
Over the trailing twelve months, Türkiye Sigorta A.S. generated revenue of 101B TRY at a net margin of 23.5%. Revenue grew 32.0% year over year. It earns a return on equity of 50.0%. The balance sheet holds a net cash position of 9.1B TRY. Fundamentals as of Aug 2, 2026
Our scenario range runs from 9.44 TRY (bear case) to 15.73 TRY (bull case); at 6.29 TRY, the current price sits below that range. The share trades about 16% below its 52-week high and 45% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 8% fair-value upside, at 100%, TURSG 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 26 models by family
Widest divergence: Growth Earnings (44.03 TRY) versus Dividend Discount (1.61 TRY). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 60
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
Türkiye Sigorta A.S. operates as a non-life insurance company in Turkey. It offers auto and non-auto accident, fire, transportation, engineering, health, agriculture, liability, financial losses, credit, and legal protection insurance products. Türkiye Sigorta A.S.
Full company description
Türkiye Sigorta A.S. operates as a non-life insurance company in Turkey. It offers auto and non-auto accident, fire, transportation, engineering, health, agriculture, liability, financial losses, credit, and legal protection insurance products. Türkiye Sigorta A.S. was formerly known as Günes Sigorta Anonim Sirketi and changed its name to Türkiye Sigorta A.S. in August 2020. The company was incorporated in 1957 and is based in Istanbul, Turkey. Türkiye Sigorta A.S. operates as a subsidiary of TVF Finansal Yatirimlar AS.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Türkiye Sigorta A.S. reported revenue of 97.2B TRY in FY2025 versus 5.4B TRY in FY2021, a compound +106.1%/yr. Reported net income was 19.5B TRY in FY2025, compounding +105.9%/yr from FY2021.
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Peer Group
Insurance - Property & Casualty · 123 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 Insurance - Property & Casualty 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.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Aug 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $234.48 | $252.50 | +8% |
| Chubb Limited CB | $337.44 | $345.56 | +2% |
| The Travelers Companies, Inc TRV | $368.98 | $384.42 | +4% |
| The Allstate Corporation ALL | $251.61 | $503.22 | +100% |
| The People's Insurance Company 601319 | ¥7.06 | ¥13.71 | +94% |
| PICC Property and Casualty Company 2328 | HK$14.07 | HK$26.53 | +89% |
| Intact Financial Corporation IFC | C$294.02 | C$247.44 | -16% |
| Fairfax Financial Holdings FFH | C$2,327 | C$3,252 | +40% |
| QBE Insurance Group QBE | A$25.47 | A$19.42 | -24% |
| Samsung Fire & Marine Insurance Co 000810 | 648,000 KRW | 658,771 KRW | +2% |
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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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