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Yapi ve Kredi Bankasi AS (YKBNK) fair value: what the stock is really worth

We calculate from audited financials what Yapi ve Kredi Bankasi AS is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · TR · ISIN TRAYKBNK91N6

YV Thin data Sep 13, 2026

Yapi ve Kredi Bankasi AS

YKBNK · IS

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value 40.26 TRY · Undervalued (+16%)
!Quality 43/100
!Expensive Growth (revenue 5y +56.0 %/yr)
✓Highly profitable · 26.6% net margin (TTM)
!Low debt · negative free cash flow
✓Ranks above peers (10/12)
✓Wide moat 81/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

44.02 TRY 1.85 TRY Fair Value 40.26 TRY Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.

How to read this chart

60‑month range 1.85 TRY – 44.02 TRY · fair‑value band 30.41 TRY – 71.20 TRY · the 34.68 TRY price screens below the 40.26 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.

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Company profile

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.

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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.

Stock analysis

Yapi ve Kredi Bankasi AS (YKBNK) currently trades at 34.68 TRY, while our model-based Fair Value estimate is 40.26 TRY, implying the stock looks roughly 13.9% undervalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of 50.97 TRY per share, and 3 of the 4 models we run sit above the 34.68 TRY price.

Bear case: the Asset-Based group reads lowest at 20.27 TRY, and 1 of the 4 models stay below the price. Evidence for this calculation is low.

Scenario range: 30.41 TRY (bear) to 71.20 TRY (bull), the price of 34.68 TRY sits inside 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 43/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Yapi ve Kredi Bankasi AS 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. FY2021 was a trough year, so the rate overstates the trend.

Key figures

Market cap 293B TRY (≈ $6.0B) · P/E ratio 6.2 · P/S ratio 1.22 · EPS (TTM) 5.59 TRY · Net margin 19.7% · Return on equity 23.5% · Return on assets (EBIT) 1.3% · Operating margin 43.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 22% below its 52-week high and 28% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at 16%, YKBNK screens cheaper than that median.

Fair Value models

Bear 30.41 TRY Fair Value 40.26 TRY Bull 71.20 TRY
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (3.97 TRY per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income 38.47 TRY 50.97 TRY 206.51 TRY 64
P/E Multiple 54.35 TRY 72.47 TRY 90.59 TRY 63
P/B Multiple 31.77 TRY 42.36 TRY 52.96 TRY 55
All 4 models by family
Multiples
P/E Multiple 54.35 TRY 72.47 TRY 90.59 TRY 63
P/B Multiple 31.77 TRY 42.36 TRY 52.96 TRY 55
Asset-Based
NCAV (Graham) 15.13 TRY 20.27 TRY 30.26 TRY 54
Economic Profit
Residual Income 38.47 TRY 50.97 TRY 206.51 TRY 64

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Quality Score breakdown

Overall quality 43/100

Of which business quality 42 · Market factors (momentum, volatility) 53

Profitability 35
Margins and returns on capital today
Quality Growth 56
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 61
Balance sheet, leverage, solvency risk
Investment 32
Disciplined investing over empire-building
Low Volatility 69
Calm price path (market factor)
Momentum 46
Price trend over the last 3–12 months (market factor)
52W Momentum 45
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+59.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+56.0%
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−30.4%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+56.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+56.1%
Dividend (yield on the price)0.0%
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.64% → 21%

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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 · 1077 stocks

Beats the industry median on 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside +59% · Top 25%
Profitability
Return on equity (TTM) 23% · Top 25%
Return on assets 2% · Top 25%
Net margin (TTM) 27% · Below median
Operating margin (TTM) 43% · Above median
Growth and dividend
Revenue growth 55% · Top 25%
Balance sheet
Debt / equity 0.17× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 6.2× · Cheapest 25%
P/B 1.08× · Cheaper than median
P/S (TTM) 1.32× · Cheapest 25%
PEG 0.43× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)55 · sector 11
FUTURE (revenue growth)100 · sector 44
PAST (return on equity)94 · sector 41
HEALTH (low debt)92 · sector 85
DIVIDEND (yield)0 · sector 52

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group DBS19 20.20 THB 6.69 THB −67%
China Merchants Bank Co 3968 HK$51.95 HK$79.50 +53%
Intesa Sanpaolo S.p.A ISP €6.83 €4.04 −41%
HDFC Bank Limited HDB $23.34 $15.75 −33%
BNP Paribas SA BNP €103.76 €105.99 +2%
UniCredit S.p.A UCG €85.17 €77.62 −9%
Mizuho Financial Group MFG $11.45 $9.68 −15%
ICICI Bank Limited ICICIBANK ₹1,379 ₹636.31 −54%
The PNC Financial Services Group PNC $244.24 $159.52 −35%
Oversea-Chinese Banking Corporation O39 31.60 SGD 19.80 SGD −37%

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Yapi ve Kredi Bankasi AS · Fair Value
40.26 TRY +14%Fair Value
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Cite: Fair Value Calculator (2026). "Yapi ve Kredi Bankasi AS Fair Value". https://www.fairvalue-calculator.com/stock/YKBNK

Frequently asked questions

Is Yapi ve Kredi Bankasi AS (YKBNK) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 40.26 TRY versus a price of 34.68 TRY, about +16% upside (undervalued).
What is the fair value of YKBNK?
Our model-based fair value for Yapi ve Kredi Bankasi AS is 40.26 TRY (as of Sep 13, 2026), built from audited fundamentals. The current price: 34.68 TRY.
What is the quality score of YKBNK?
Yapi ve Kredi Bankasi AS has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Yapi ve Kredi Bankasi AS (YKBNK)?
Our model-based price target is the fair value of 40.26 TRY (as of Sep 13, 2026) from 4 valuation models. Cautious scenario 30.41 TRY, optimistic scenario 71.20 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Yapi ve Kredi Bankasi AS stock forecast for 2026?
Our models put fair value at 40.26 TRY, about +16% upside versus a price of 34.68 TRY (undervalued). Cautious scenario 30.41 TRY, optimistic scenario 71.20 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Yapi ve Kredi Bankasi AS (YKBNK)?
Yapi ve Kredi Bankasi AS reported trailing-twelve-month revenue of about 210B TRY (latest available figure, as of Sep 13, 2026).
What is the intrinsic value of Yapi ve Kredi Bankasi AS (YKBNK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Yapi ve Kredi Bankasi AS it is 40.26 TRY per share (as of Sep 13, 2026), against a price of 34.68 TRY. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Yapi ve Kredi Bankasi AS stock overvalued or undervalued in 2026?
As of Sep 13, 2026, YKBNK trades below its calculated fair value: price 34.68 TRY, fair value 40.26 TRY, a gap of about +16% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of YKBNK?
No. The price is what the market pays today (34.68 TRY); the fair value is what the company's own numbers justify (40.26 TRY). For Yapi ve Kredi Bankasi AS the two are 5.58 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Yapi ve Kredi Bankasi AS worth?
The market values Yapi ve Kredi Bankasi AS at about 293B TRY (market capitalisation, as of Sep 13, 2026). Per share that is 34.68 TRY; our models calculate a fair value of 40.26 TRY per share.
What do the bullish and bearish scenarios say about YKBNK?
Our models span a range for Yapi ve Kredi Bankasi AS: cautious scenario 30.41 TRY, base 40.26 TRY, optimistic 71.20 TRY per share (as of Sep 13, 2026, price 34.68 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of YKBNK?
Yapi ve Kredi Bankasi AS trades at a price-to-earnings ratio of 6.2 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 40.26 TRY is built from several models across several years. Other multiples: PEG 0.4, P/B 1.1, P/S 1.3.
What is the PEG ratio of YKBNK?
The PEG ratio of Yapi ve Kredi Bankasi AS is 0.43 (P/E divided by earnings growth, as of Sep 13, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Yapi ve Kredi Bankasi AS (YKBNK)?
Balance-sheet figures for Yapi ve Kredi Bankasi AS (as of Sep 13, 2026): return on equity 23.5%, debt of 0.17 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is YKBNK from its 52-week high?
Yapi ve Kredi Bankasi AS trades at 34.68 TRY, about 22% below its 52-week high of 44.50 TRY and 28% above the low of 27.14 TRY (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 40.26 TRY is for.
Which stocks are comparable to Yapi ve Kredi Bankasi AS?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Yapi ve Kredi Bankasi AS stock attractive at the current price?
The data as of Sep 13, 2026: price 34.68 TRY, calculated fair value 40.26 TRY (+16%), Quality Score 43/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of YKBNK calculated?
We run Yapi ve Kredi Bankasi AS through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 40.26 TRY, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.6 % above its aggregate fair value. Yapi ve Kredi Bankasi AS currently trades 16 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Yapi ve Kredi Bankasi AS (YKBNK)?
The closing price on Sep 15, 2026 was 34.68 TRY. Our model-based fair value is 40.26 TRY, about +16% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Yapi ve Kredi Bankasi AS right now?
A fairly wide model range (30.41 TRY to 71.20 TRY) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Yapi ve Kredi Bankasi AS

How large is the market capitalisation of Yapi ve Kredi Bankasi AS (YKBNK)?
The market capitalisation of Yapi ve Kredi Bankasi AS is 293B TRY (≈ $6.0B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Yapi ve Kredi Bankasi AS (YKBNK)?
The price-to-sales ratio of Yapi ve Kredi Bankasi AS is 1.22 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Yapi ve Kredi Bankasi AS (YKBNK)?
Earnings per share at Yapi ve Kredi Bankasi AS are 5.59 TRY (price ÷ EPS = P/E 6.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Yapi ve Kredi Bankasi AS (YKBNK)?
The net margin of Yapi ve Kredi Bankasi AS is 19.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Yapi ve Kredi Bankasi AS (YKBNK)?
The return on equity (ROE) of Yapi ve Kredi Bankasi AS is 23.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Yapi ve Kredi Bankasi AS (YKBNK)?
On an EBIT basis the return on assets of Yapi ve Kredi Bankasi AS is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Yapi ve Kredi Bankasi AS (YKBNK)?
The operating margin of Yapi ve Kredi Bankasi AS is 43.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Yapi ve Kredi Bankasi AS (YKBNK)?
Revenue at Yapi ve Kredi Bankasi AS is growing +55.4% versus a year earlier (3y avg +29.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Yapi ve Kredi Bankasi AS (YKBNK)?
Earnings per share at Yapi ve Kredi Bankasi AS are growing +77.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Yapi ve Kredi Bankasi AS (YKBNK) generate?
The free cash flow of Yapi ve Kredi Bankasi AS is −117B TRY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Yapi ve Kredi Bankasi AS (YKBNK) carry?
The net debt of Yapi ve Kredi Bankasi AS is 287B TRY (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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