Yapi ve Kredi Bankasi A.S., (YKBNK) Fair Value & Analysis
Financial Services · TR · Market cap 277B TRY
Fair value as of: Aug 2, 2026
From 15 valuation models · updated today
Share price −19.3% over the past month.
Below-average quality, and the price sits 100% below our fair value.
What matters now
- The price is below even our cautious bear case (49.14 TRY). The market is more pessimistic than our downside scenario.
- Solid quality (45/100) 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 1.79 TRY – 44.02 TRY · fair‑value band 49.14 TRY – 81.90 TRY · the 32.76 TRY price screens below the 65.52 TRY fair value. Dashed = 300-day average. As of Aug 2, 2026.
Analysis
Yapi ve Kredi Bankasi A.S., (YKBNK) currently trades at 32.76 TRY, while our model-based Fair Value estimate is 65.52 TRY, implying the stock looks roughly 100.0% undervalued today. We read business quality at 45/100 (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, Yapi ve Kredi Bankasi A.S., generated revenue of 210B TRY at a net margin of 26.6%. Revenue grew 55.4% year over year. It earns a return on equity of 23.5%. Net debt stands at 287B TRY. Fundamentals as of Aug 2, 2026
Our scenario range runs from 49.14 TRY (bear case) to 81.90 TRY (bull case); at 32.76 TRY, the current price sits below that range. The share trades about 26% below its 52-week high and 21% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 100%, YKBNK 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 15 models by family
Widest divergence: DCF Models (254.25 TRY) versus Asset-Based (20.27 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 42 · Market factors (momentum, volatility) 45
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
Yapi ve Kredi Bankasi A.S., together with its subsidiaries, provides commercial banking and financial products and services in Turkey and internationally. It operates through three segments: Retail Banking; Corporate Banking; and Commercial and SME Banking.
Full company description
Yapi ve Kredi Bankasi A.S., together with its subsidiaries, provides commercial banking and financial products and services in Turkey and internationally. It operates through three segments: Retail Banking; Corporate Banking; and Commercial and SME Banking. The Retail Banking segment offers banking products and services, such as card payment systems; individual portfolio; blue class; private and gold banking; general purpose, commercial installments, and auto loans; mortgages; time and demand deposits; investment accounts; life and non-life insurance products; wealth management activities; and payroll services. This segment also provides time deposit products, mutual funds, foreign exchange, and gold and equity trading services; and personal art, inheritance, real estate, tax, education, and philanthropic advisory services. The Corporate, Commercial, and SME Banking segment offers corporate banking for large-scale, international, and multinational companies; commercial banking for medium-sized enterprises; and SME banking, such as SME loans and banking packages products for SME companies. This segment also provides working capital, trade, and project finance, as well as domestic and international non-cash loans comprising letters of credit and guarantee, cash management, and internet banking services; and financial and equity management advisory services. It offers custody, leasing, investment and portfolio management, and factoring services. The company also provides money transfer; debit, world, business cards; home loan; checks and promissory notes services; and SME loans. It serves customers through ATMs; and telephone, Internet, and mobile banking services. The was incorporated in 1944 and is headquartered in Istanbul, Turkey. Yapi ve Kredi Bankasi A.S. operates as a subsidiary of Koç Holding A.S.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Yapi ve Kredi Bankasi A.S., reported revenue of 239B TRL in FY2025 versus 35.0B TRL in FY2021, a compound +61.6%/yr. Reported net income was 47.1B TRL in FY2025, compounding +45.6%/yr from FY2021.
Watch YKBNK: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1093 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.
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 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
Compare Yapi ve Kredi Bankasi A.S., with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Yapi ve Kredi Bankasi A.S., (YKBNK) overvalued or undervalued?
What is the fair value of YKBNK?
What is the quality score of YKBNK?
What is the revenue of Yapi ve Kredi Bankasi A.S., (YKBNK)?
What is the net profit margin of YKBNK?
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.
Track Yapi ve Kredi Bankasi A.S., and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.