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Yapi ve Kredi Bankasi A.S.

IBSE:YKBNK Stock Report

Market Cap: ₺271.0b

Yapi ve Kredi Bankasi (YKBNK) Stock Overview

Provides commercial banking and financial products and services in Turkey and internationally. More details

YKBNK fundamental analysis
Snowflake Score
Valuation1/6
Future Growth5/6
Past Performance2/6
Financial Health5/6
Dividends5/6

Rewards

Price-To-Earnings ratio (9x) is below the TR market (18.7x)

Earnings are forecast to grow 28.37% per year

Risk Analysis

Profit margins (24.1%) are lower than last year (48%)

Unstable dividend track record


YKBNK Community Fair Values

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See what 64 others think this stock is worth. Follow their fair value or set your own to get alerts.

YKBNK logo
Yapi ve Kredi Bankasi
AN
AnalystHighTarget
Consensus Narrative from 15 Analysts

Digital Banking And Urbanization In Turkey Will Unlock New Opportunities

Key Takeaways Digital leadership, aggressive margin management, and payments ecosystem expansion could deliver outperformance in both net interest and fee income, with lasting improvements in profitability. Structural advantages, strong capital backing, and digital adoption position the bank to accelerate market share growth and gain from Turkey's evolving financial landscape.
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₺50.00
FV
35.8% undervalued intrinsic discount
67.51%
Revenue growth p.a.
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5 days ago author updated this narrative
YKBNK logo
Yapi ve Kredi Bankasi
AN
AnalystLowTarget
Consensus Narrative from 15 Analysts

Turkey's Economic Instability Will Compress Margins Amid Fintech Rivalry

Key Takeaways Intensifying economic and regulatory challenges in Turkey threaten profitability, asset quality, and constrain Yapi ve Kredi Bankasi's sustainable earnings growth prospects. Fierce competition from fintechs and vulnerability to local currency risks could undermine market share, income stability, and long-term returns.
View narrative
₺26.40
FV
21.5% overvalued intrinsic discount
42.53%
Revenue growth p.a.
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5 days ago author updated this narrative
YKBNK logo
Yapi ve Kredi Bankasi
AN
AnalystConsensusTarget
Consensus Narrative from 15 Analysts

Central Bank Moves And Selective Lending Will Strengthen Liquidity

Key Takeaways Tight monetary policy and selective lending strategies are expected to boost net interest margins and support revenue growth. Robust deposit performance and strong fee generation enhance liquidity and revenue diversification, stabilizing the bank's earnings.
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₺38.99
FV
17.7% undervalued intrinsic discount
56.07%
Revenue growth p.a.
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45users have followed this narrative
5 days ago author updated this narrative
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Yapi ve Kredi Bankasi A.S. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Yapi ve Kredi Bankasi
Historical stock prices
Current Share Price₺32.08
52 Week High₺34.68
52 Week Low₺21.92
Beta0.29
1 Month Change17.17%
3 Month Change32.45%
1 Year Change-2.96%
3 Year Change653.05%
5 Year Change1,247.90%
Change since IPO613,871.29%

Recent News & Updates

Recent updates

author-image

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

YKBNKTR BanksTR Market
7D1.2%11.2%7.4%
1Y-3.0%-0.3%-3.0%

Return vs Industry: YKBNK underperformed the TR Banks industry which returned -0.3% over the past year.

Return vs Market: YKBNK matched the TR Market which returned -3% over the past year.

Price Volatility

Is YKBNK's price volatile compared to industry and market?
YKBNK volatility
YKBNK Average Weekly Movement6.0%
Banks Industry Average Movement5.6%
Market Average Movement6.5%
10% most volatile stocks in TR Market10.4%
10% least volatile stocks in TR Market4.6%

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 (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
194415,663Gokhan Erunwww.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. The company operates through Retail Banking; and Corporate, Commercial and SME Banking segments. The Retail Banking segment offers banking products and services, such as card payment systems, general purpose loans, auto loans, mortgages, commercial installment loans, time and demand deposits, gold banking, investment accounts, life and non-life insurance products, and payroll services.

Yapi ve Kredi Bankasi A.S. Fundamentals Summary

How do Yapi ve Kredi Bankasi's earnings and revenue compare to its market cap?
YKBNK fundamental statistics
Market cap₺270.98b
Earnings (TTM)₺30.13b
Revenue (TTM)₺125.18b
9.0x
P/E Ratio
1.3x
P/B Ratio

Is YKBNK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
YKBNK income statement (TTM)
Revenue₺125.18b
Cost of Revenue₺1.44b
Gross Profit₺123.74b
Other Expenses₺93.61b
Earnings₺30.13b

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

Jul 31, 2025

Earnings per share (EPS)3.57
Gross Margin98.85%
Net Profit Margin24.07%
Debt/Equity Ratio355.5%

How did YKBNK perform over the long term?

See historical performance and comparison

Dividends

3.8%
Current Dividend Yield
25%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/07/07 10:17
End of Day Share Price 2025/07/04 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 36 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullAta Invest
Cristina MarzeaBarclays
Cagdas DoganBNP Paribas Securities (Asia)