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GARAN: Future Earnings Power Will Support Upside Despite Modest Margin Pressure

Update shared on 03 Dec 2025

Fair value Decreased 0.16%
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AnalystConsensusTarget's Fair Value
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1Y
7.0%
7D
-1.1%

Analysts have modestly reduced their price target on Turkiye Garanti Bankasi by approximately $0.29, reflecting slightly lower fair value and profit margin assumptions, even though they now expect higher revenue growth and a marginally cheaper future P/E multiple.

Valuation Changes

  • The fair value estimate has edged down slightly from TRY 173.52 to approximately TRY 173.23, indicating a marginally lower intrinsic valuation.
  • The discount rate has fallen slightly from 32.51 percent to about 32.50 percent, reflecting a small reduction in the perceived risk profile or required return.
  • Revenue growth has risen modestly from 25.90 percent to around 27.40 percent, pointing to improved expectations for top line expansion.
  • The net profit margin has declined slightly from 37.84 percent to roughly 36.52 percent, suggesting somewhat lower anticipated profitability on future earnings.
  • The future P/E has decreased marginally from 7.40x to about 7.38x, implying a slightly cheaper forward valuation multiple.

Disclaimer

AnalystConsensusTarget is a tool utilizing a Large Language Model (LLM) that ingests data on consensus price targets, forecasted revenue and earnings figures, as well as the transcripts of earnings calls to produce qualitative analysis. The narratives produced by AnalystConsensusTarget are general in nature and are based solely on analyst data and publicly-available material published by the respective companies. These scenarios are not indicative of the company's future performance and are exploratory in nature. Simply Wall St has no position in the company(s) mentioned. Simply Wall St may provide the securities issuer or related entities with website advertising services for a fee, on an arm's length basis. These relationships have no impact on the way we conduct our business, the content we host, or how our content is served to users. The price targets and estimates used are consensus data, and do not constitute a recommendation to buy or sell any stock, and they do not take account of your objectives, or your financial situation. Note that AnalystConsensusTarget's analysis may not factor in the latest price-sensitive company announcements or qualitative material.