GARAN Share Price Performance
₺132.80
-9.80 (-6.87%)
25.6% undervalued intrinsic discount
₺178.45
Fair Value
Price ₺132.80
AnalystConsensusTarget ₺178.45
AnalystHighTarget ₺225.90
AnalystLowTarget ₺129.81
Fair Value₺178.45
Share Pricen/a
Turkiye Garanti Bankasi A.S. Stock Price
- 3 Narratives written by author
- 0 Comments on narratives written by author
- 63 Fair Values set on narratives written by author
GARAN Community Narratives
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Fair Value ₺178.45 25.6% undervalued intrinsic discount
GARAN: Improving Profit Margins And Lower Discount Rate Will Drive Future Performance
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AN
Fair Value ₺225.9 41.2% undervalued intrinsic discount
Turkey's Urbanization And Digital Trends Will Spark Banking Opportunities
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Fair Value ₺129.81 2.3% overvalued intrinsic discount
Geopolitical Instability And Turkish Lira Weakness Will Erode Margins
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Turkey's Urbanization And Digital Trends Will Spark Banking Opportunities
Key Takeaways Accelerated shift to retail and SME deposits and digital banking is reducing funding costs and driving sustained outperformance in net interest margins and revenue growth. Market leadership in consumer and SME lending, plus BBVA support and tech investment, position Garanti for robust asset growth and new high-margin opportunities in Turkey.Read more
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AN
₺225.9
41.2% undervalued intrinsic discount
Fair Value
Revenue
29.23% p.a.
Profit Margin
36.56%
Future PE
8.43x
Price in 2029
₺520.59
Geopolitical Instability And Turkish Lira Weakness Will Erode Margins
Key Takeaways Geopolitical and economic instability, currency weakness, and rising interest rates threaten funding, lending growth, and asset quality, pressuring profitability and investor confidence. Increasing competition from digital banks and fintechs may erode market share, fee income, and revenue growth sustainability, impacting long-term margins and efficiency.Read more
15
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AN
₺129.81
2.3% overvalued intrinsic discount
Fair Value
Revenue
28.16% p.a.
Profit Margin
35.31%
Future PE
5.15x
Price in 2029
₺299.57
GARAN: Improving Profit Margins And Lower Discount Rate Will Drive Future Performance
Key Takeaways Ongoing digitalization and retail loan growth are boosting efficiency, customer engagement, and future revenue opportunities across an expanding market. Strong fee income, prudent balance sheet management, and a focus on sustainable finance enhance earnings quality and defend profitability in changing conditions.Read more
85
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AN
₺178.45
25.6% undervalued intrinsic discount
Fair Value
Revenue
27.82% p.a.
Profit Margin
38.24%
Future PE
7.17x
Price in 2029
₺414.16
Trending Discussion
Recently Updated Narratives
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GARAN: Higher Fair Value And Future P E Re Rating Will Drive Upside
Fair Value: ₺225.9 41.2% undervalued intrinsic discount
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GARAN: Lower Growth Assumptions Will Keep Shares Vulnerable To Compressing P/E
Fair Value: ₺129.81 2.3% overvalued intrinsic discount
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GARAN: Lower Risk Assumptions And Stronger Margins Will Support Future Upside
Fair Value: ₺178.45 25.6% undervalued intrinsic discount
44 followersusers have followed this narrative
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Snowflake Analysis
Turkiye Garanti Bankasi A.S. Key Details
Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
Apr 29, 2026
- 26.15
- 99.54%
- 33.40%
- 132.7%
About GARAN
- Founded
- 1946
- Employees
- 23152
- CEO
- WebsiteView website
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, as well as IBOR reforms and foreign trade financing; investment funds, stocks, derivatives, Garanti BBVA e-trader platform, time barred deposit and investment lists, and derivative instruments; credit and debit cards, BonusFlas, and POS and e-commerce products; and insurance and pension products. The company also provides payment systems and services; private banking services; banking services for salary payments/entrepreneurship and women entrepreneurs; leasing fleet factoring services; investment banking and financing services; mobile and internet banking services; and ATM and cash management services. The company was founded in 1946 and is headquartered in Istanbul, Turkey. Turkiye Garanti Bankasi A.S. is a subsidiary of Banco Bilbao Vizcaya Argentaria, S.A.
