GARAN.IS

Strong BuyUnloved Quality

Turkiye Garanti Bankasi A.S. · Financial Services · Turkey · $11.2B · Avg Vol: $94M/d

Unloved Quality: Strong and cheap, but the market has not turned yet. Patience required.

81
StockRank
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Quality
60
Value
73
Momentum
44
P/E (TTM)
4.5x
peers 5.5x
ROE
28.1%
peers 29.3%
D/E
1.1x
peers 0.9x
Dividend %
4.0%
trailing yield

ABOUT TURKIYE GARANTI BANKASI A.S.

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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,...

FINANCIAL SUMMARY (TRY)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue133.0B199.3B287.2B410.3B45.6%382.0B546.2B716.9B32.2%
EPS (TRY)13.8820.5721.7326.1523.5%28.7332.6246.0832.8%
Shares4.2B4.2B4.2B4.2B0.0%4.2B———
Debt81.9B150.1B224.0B504.3B83.3%673.3B———
Equity152.6B244.7B329.8B444.1B42.8%————
Op CF45.8B191.3B-145.8B5.0B-52.2%-680.7B———
Inv CF-55.3B-81.8B-46.8B-63.1B—————
Fin CF25.7B10.4B95.3B222.2B—————
Loading 1Y...
PRICE (1Y)+0.0%
2.472.552.622.702.7813 Aug3 Sep24 Sep
SMA 50SMA 200

Close
$2.65
RSI (14)
47.9
52W High
$3.33
From 52W High
-20.5%

SCORE BREAKDOWN

Quality
60
ROIC (ROA)
2.7%*62.4
ROE
28.1%91.5
GP/Assets
8.3%N/A
Op. Margin
44.1%62.9
FCF/Assets
-0.1%N/A
Piotroski
321.1
Int. Cover
—50.0
D/E Ratio
1.14xN/A
Current Ratio
bankN/A
Value
73
P/E (TTM)
4.5x92.7
EV/EBITDA
bankN/A
P/FCF
bankN/A
P/B
1.1x52.0
P/S
1.4x82.5
Div Yield
4.0%54.0
Momentum
44
52W High %
79%28.9
RS 6M
7%71.5
SMA 50/200
0.96x20.1
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+18%47.7
Q Growth
9%38.0

FUNDAMENTALS

Market Cap
$11.2B
P/E (Forward)
3.8x
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of GARAN.IS are excluded.

TickerCompanyMkt CapStockRankSignal
GARAN.ISTurkiye Garanti Bankasi A.S.(you)$11.2B81Strong Buy
AKBNK.ISAkbank T.A.S.$7.6B82Strong Buy
VAKBN.ISTürkiye Vakiflar Bankasi Türk Anonim Ortakligi$6.9B78Buy
YKBNK.ISYapi ve Kredi Bankasi A.S.$6.2B79Buy
ISCTR.ISTürkiye Is Bankasi A.S.$6.8B89Strong Buy
SAHOL.ISHaci Ömer Sabanci Holding A.S.$3.8B76Buy
HALKB.ISTürkiye Halk Bankasi A.S.$6.7B63Hold
TSKB.ISTürkiye Sinai Kalkinma Bankasi A.S.$607M85Strong Buy
KLNMA.ISTürkiye Kalkinma ve Yatirim Bankasi A.S.$1.7B52Hold
ENPRA.ISEnpara Bank A.S.$10.7B12Strong Sell

Peer medians: ROE 29.3% · P/E 5.5x · Gross margin 52.1%

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Turkiye Garanti Bankasi A.S. (GARAN.IS): Stock Score Summary

Turkiye Garanti Bankasi A.S. (GARAN.IS) has a MoatMap StockRank of 81/100 based on Quality (60/100), Value (73/100), and Momentum (44/100) factor scores. The current signal is STRONG BUY.

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,...

Key Financial Metrics

Price$2.65
Market Cap$11.2B
P/E (TTM)4.54
P/E (Forward)3.84
Price/Book1.12
Return on Equity28.1%
Debt/Equity1.14x
Operating Margin44.1%
Revenue Growth24.5%
Dividend Yield4.0%
Free Cash Flow$-111M

Turkiye Garanti Bankasi A.S. operates in the Banks - Regional industry, part of the Financial Services sector (Turkey).

Frequently Asked Questions

What is Turkiye Garanti Bankasi A.S.’s (GARAN.IS) StockRank?
MoatMap’s StockRank for Turkiye Garanti Bankasi A.S. (GARAN.IS) is 81/100, with a Strong Buy signal. It is a composite of Quality (60), Value (73), and Momentum (44) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Turkiye Garanti Bankasi A.S. have an economic moat?
Turkiye Garanti Bankasi A.S. (GARAN.IS) has a Quality factor score of 60/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Turkiye Garanti Bankasi A.S. a buy, hold, or sell?
MoatMap’s current signal for Turkiye Garanti Bankasi A.S. (GARAN.IS) is Strong Buy, based on a StockRank of 81/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Turkiye Garanti Bankasi A.S. in?
Turkiye Garanti Bankasi A.S. (GARAN.IS) operates in the Financial Services sector, specifically the Banks - Regional industry (Turkey).