Yapi ve Kredi Bankasi (YKBNK) Stock Overview
Provides commercial banking and financial products and services in Turkey and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 5/6 |
| Past Performance | 5/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
No risks detected for YKBNK from our risk checks.
YKBNK Community Fair Values
Create NarrativeSee what 69 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Yapi ve Kredi Bankasi A.S. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₺33.16 |
| 52 Week High | ₺44.50 |
| 52 Week Low | ₺25.32 |
| Beta | 0.49 |
| 1 Month Change | -11.90% |
| 3 Month Change | -23.24% |
| 1 Year Change | 30.24% |
| 3 Year Change | 222.88% |
| 5 Year Change | 1,400.45% |
| Change since IPO | 634,541.15% |
Recent News & Updates
Narrative Update • May 25
YKBNK: Slightly Higher Discount Rate And Lower P/E Will Shape Balanced Outlook
Analysts have trimmed their TRY fair value estimate for Yapi ve Kredi Bankasi from TRY34.30 to TRY33.90, reflecting updated views on the discount rate, revenue growth, profit margin and future P/E assumptions. Valuation Changes Fair Value: Adjusted from TRY34.30 to TRY33.90, representing a small reduction in the estimated intrinsic value per share.Narrative Update • May 06
YKBNK: Higher Discount Rate And P/E Assumptions Will Shape Fairly Balanced Outlook
Analysts have modestly raised their price target for Yapi ve Kredi Bankasi to TRY34.30 from TRY33.20. This change reflects updated views on fair value, discount rate assumptions and expected P/E levels.Narrative Update • Apr 20
YKBNK: Lower Future P/E Assumptions Will Pressure Earnings Quality
Analysts have raised their price target for Yapi ve Kredi Bankasi from TRY 28.62 to TRY 33.20, citing updated assumptions around revenue growth, profit margins, a slightly lower discount rate, and a modestly reduced future P/E multiple. Valuation Changes Fair Value: adjusted from TRY28.62 to TRY33.20, reflecting a moderate upward revision in the intrinsic value estimate.
Narrative Update • Apr 06
YKBNK: Future Returns Will Reflect Stronger Revenue Outlook And Higher P E Multiple
Analysts have raised their price target for Yapi ve Kredi Bankasi from TRY46.93 to TRY48.16. This reflects updated assumptions that combine stronger projected revenue growth with slightly lower profit margins and a modestly higher future P/E multiple.Recent updates
Narrative Update • May 25
YKBNK: Slightly Higher Discount Rate And Lower P/E Will Shape Balanced Outlook
Analysts have trimmed their TRY fair value estimate for Yapi ve Kredi Bankasi from TRY34.30 to TRY33.90, reflecting updated views on the discount rate, revenue growth, profit margin and future P/E assumptions. Valuation Changes Fair Value: Adjusted from TRY34.30 to TRY33.90, representing a small reduction in the estimated intrinsic value per share.Narrative Update • May 06
YKBNK: Higher Discount Rate And P/E Assumptions Will Shape Fairly Balanced Outlook
Analysts have modestly raised their price target for Yapi ve Kredi Bankasi to TRY34.30 from TRY33.20. This change reflects updated views on fair value, discount rate assumptions and expected P/E levels.Narrative Update • Apr 20
YKBNK: Lower Future P/E Assumptions Will Pressure Earnings Quality
Analysts have raised their price target for Yapi ve Kredi Bankasi from TRY 28.62 to TRY 33.20, citing updated assumptions around revenue growth, profit margins, a slightly lower discount rate, and a modestly reduced future P/E multiple. Valuation Changes Fair Value: adjusted from TRY28.62 to TRY33.20, reflecting a moderate upward revision in the intrinsic value estimate.Narrative Update • Apr 06
YKBNK: Future Returns Will Reflect Stronger Revenue Outlook And Higher P E Multiple
Analysts have raised their price target for Yapi ve Kredi Bankasi from TRY46.93 to TRY48.16. This reflects updated assumptions that combine stronger projected revenue growth with slightly lower profit margins and a modestly higher future P/E multiple.
Narrative Update • Mar 23
YKBNK: Higher Revenue Assumptions Will Support A More Optimistic Outlook
Analysts have raised their TRY-based price target on Yapi ve Kredi Bankasi to TRY 58.3, citing updated assumptions around revenue growth, profit margins, a slightly lower discount rate and a modestly adjusted forward P/E of 7.95x. Valuation Changes Fair Value: TRY 58.3 remains unchanged, indicating no revision to the headline target level.Narrative Update • Mar 08
YKBNK: Future Returns Will Reflect Higher Revenue Assumptions And Undervalued Earnings Multiple
Analysts have adjusted their TRY-based price target for Yapi ve Kredi Bankasi slightly higher to approximately TRY 46.93 from around TRY 45.75, reflecting updated assumptions around revenue growth, profit margins and future P/E expectations. Valuation Changes Fair Value: TRY 45.75 updated to TRY 46.93, indicating a small uplift in the modelled estimate.Narrative Update • Feb 22
YKBNK: Higher Profitability Assumptions Will Support A More Optimistic Outlook
Analysts have raised their price target for Yapi ve Kredi Bankasi from TRY 52.3 to TRY 58.3, citing updated assumptions that include revised revenue growth, higher profit margin expectations and a slightly adjusted forward P/E multiple. Valuation Changes Fair Value: TRY 52.3 moved to TRY 58.3, indicating a higher assessed value per share based on the updated assumptions.Narrative Update • Feb 08
YKBNK: Future Returns Will Reflect Higher Profitability Assumptions
Analysts have raised their fair value estimate for Yapi ve Kredi Bankasi from roughly ₺41.97 to about ₺45.75, reflecting updates to their assumptions on the discount rate, revenue growth, profit margins and future P/E levels. Valuation Changes Fair Value Estimate revised from roughly ₺41.97 to about ₺45.75, suggesting a modest uplift in the assessed equity value.Narrative Update • Jan 25
YKBNK: Lower Future P/E Assumptions Will Pressure Earnings Quality
Analysts have lowered their price target on Yapi ve Kredi Bankasi to around 28.62, reflecting updated views on discount rates, revenue growth, profit margin assumptions and a slightly lower future P/E multiple, which together suggest a modest reset in fair value. Valuation Changes Fair value estimate was adjusted slightly from TRY 29.31 to TRY 28.62, pointing to a small reset in implied pricing.Narrative Update • Jan 10
YKBNK: Lower Growth And Margin Assumptions Will Pressure Future Earnings Quality
Analysts have trimmed their fair value estimate for Yapi ve Kredi Bankasi from ₺29.70 to ₺29.31. This reflects updated assumptions for revenue growth, profit margins and a higher forward P/E multiple in their price target models.Narrative Update • Dec 27
YKBNK: Future Earnings Quality Expected To Deteriorate Despite Near Term Profit Lift
Analysts have raised their price target for Yapi ve Kredi Bankasi to approximately $29.70 from about $27.10, citing expectations of stronger profitability and a lower future price to earnings multiple, even as revenue growth forecasts moderate. Valuation Changes The Fair Value Estimate has risen moderately, increasing from TRY 27.10 to around TRY 29.70 per share.Narrative Update • Dec 13
YKBNK: Future Returns Will Benefit From Stronger Revenue Outlook
Analysts have nudged their price target for Yapi ve Kredi Bankasi modestly higher to an updated fair value of 41.97. This reflects slightly stronger revenue growth expectations and a marginally lower discount rate, which more than offset a small compression in forecast profit margins and a higher projected future P/E multiple.Narrative Update • Nov 29
YKBNK: Fair Value Will Hold Steady Despite Discount Rate Increase
Analysts have slightly adjusted their price target for Yapi ve Kredi Bankasi downward, from ₺40.99 to ₺40.77, citing modest shifts in anticipated revenue growth and profit margins. Valuation Changes Fair Value has decreased marginally from TRY 40.99 to TRY 40.77.Narrative Update • Nov 15
YKBNK: Fair Value Will Hold Steady Despite Discount Rate Increase
Analysts have adjusted their price target for Yapi ve Kredi Bankasi, maintaining the fair value at ₺40.99. They cite expectations for slightly lower revenue growth and profit margins as key factors in the revised outlook.Narrative Update • Nov 01
YKBNK: Improving Margins And Rising Profitability Will Drive Positive Revenue Outlook
Analysts have raised their price target for Yapi ve Kredi Bankasi from ₺40.35 to ₺41.00. This reflects positive expectations on the bank’s improving margins and revenue growth outlook.Narrative Update • Oct 17
Digital Transformation And Inclusion Will Strengthen Türkiye's Banking Sector
Analysts have slightly revised their price target for Yapi ve Kredi Bankasi, reducing it from ₺40.45 to ₺40.35. This reflects marginal adjustments in their valuation metrics.Narrative Update • Oct 03
Digital Transformation And Inclusion Will Strengthen Türkiye's Banking Sector
Analysts have raised their price target for Yapi ve Kredi Bankasi from ₺39.34 to ₺40.45, citing improvements in projected revenue growth and profit margins. Valuation Changes The Fair Value Estimate has increased from TRY 39.34 to TRY 40.45.
New Narrative • Nov 29
Critical Excellence And Foreign Currency Portfolio Drive Earnings Optimism Amid Economic Challenges
Strategic loan repricing and controlled deposit costs are expanding loan deposit spreads, improving net interest margins and future earnings potential.Shareholder Returns
| YKBNK | TR Banks | TR Market | |
|---|---|---|---|
| 7D | -8.8% | 0.8% | -0.4% |
| 1Y | 30.2% | 33.3% | 50.3% |
Return vs Industry: YKBNK underperformed the TR Banks industry which returned 33.1% over the past year.
Return vs Market: YKBNK underperformed the TR Market which returned 48.8% over the past year.
Price Volatility
| YKBNK volatility | |
|---|---|
| YKBNK Average Weekly Movement | 7.1% |
| Banks Industry Average Movement | 6.9% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in TR Market | 10.7% |
| 10% least volatile stocks in TR Market | 5.2% |
Stable Share Price: YKBNK has not had significant price volatility in the past 3 months compared to the TR market.
Volatility Over Time: YKBNK's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1944 | 15,656 | Gokhan Erun | www.yapikredi.com.tr |
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.
Yapi ve Kredi Bankasi A.S. Fundamentals Summary
| YKBNK fundamental statistics | |
|---|---|
| Market cap | ₺280.10b |
| Earnings (TTM) | ₺55.97b |
| Revenue (TTM) | ₺210.06b |
5.0x
P/E Ratio1.0x
P/B RatioIs YKBNK overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| YKBNK income statement (TTM) | |
|---|---|
| Revenue | ₺210.06b |
| Cost of Revenue | ₺1.94b |
| Gross Profit | ₺208.12b |
| Other Expenses | ₺152.16b |
| Earnings | ₺55.97b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 6.63 |
| Gross Margin | 99.08% |
| Net Profit Margin | 26.64% |
| Debt/Equity Ratio | 410.2% |
How did YKBNK perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/26 15:46 |
| End of Day Share Price | 2026/05/26 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Yapi ve Kredi Bankasi A.S. is covered by 29 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| null null | Ata Invest |
| Cristina Marzea | Barclays |
| Okan Ertem | BNP Paribas |