GARAN Share Price Performance
₺138.90
18.10 (14.98%)
32.3% overvalued intrinsic discount
₺105.00
Fair Value
Price ₺138.90
AnalystLowTarget ₺105.00
AnalystHighTarget ₺208.90
AnalystConsensusTarget ₺173.52
Fair Value₺109.79
Share Pricen/a
Turkiye Garanti Bankasi A.S. Stock Price
- 3 Narratives written by author
- 0 Comments on narratives written by author
- 59 Fair Values set on narratives written by author
GARAN Community Narratives
AN
Fair Value ₺109.79 26.5% overvalued intrinsic discount
Geopolitical Instability And Turkish Lira Weakness Will Erode Margins
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AN
Fair Value ₺208.9 33.5% undervalued intrinsic discount
Turkey's Urbanization And Digital Trends Will Spark Banking Opportunities
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Fair Value ₺173.52 20.0% undervalued intrinsic discount
GARAN: Improving Profit Margins And Lower Discount Rate Will Drive Future Performance
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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
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42users have followed this narrative
AN
₺173.52
20.0% undervalued intrinsic discount
AnalystConsensusTarget Fair Value
Revenue
26% p.a.
Profit Margin
37.84%
Future PE
7.4x
Price in 2028
₺403.77
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
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AN
₺109.79
26.5% overvalued intrinsic discount
AnalystLowTarget Fair Value
Revenue
23% p.a.
Profit Margin
39.84%
Future PE
5.23x
Price in 2028
₺253.49
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
₺208.9
33.5% undervalued intrinsic discount
AnalystHighTarget Fair Value
Revenue
35% p.a.
Profit Margin
32.64%
Future PE
9.21x
Price in 2028
₺482.31
Trending Discussion
Recently Updated Narratives
AN
GARAN: Discount Rate Adjustment Will Maintain Potential for Future Upside
Fair Value: ₺173.52 20.0% undervalued intrinsic discount
42 followersusers have followed this narrative
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AN
Geopolitical Instability And Turkish Lira Weakness Will Erode Margins
Fair Value: ₺109.79 26.5% overvalued intrinsic discount
0 followersusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
AN
Turkey's Urbanization And Digital Trends Will Spark Banking Opportunities
Fair Value: ₺208.9 33.5% undervalued intrinsic discount
1 followerusers have followed this narrative
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Snowflake Analysis
Turkiye Garanti Bankasi A.S. Key Details
Last Reported Earnings
Sep 30, 2025
Next Reporting Earnings
Jan 29, 2026
- 25.81
- 99.65%
- 35.70%
- 135.3%
About GARAN
- Founded
- 1946
- Employees
- 20453
- CEO
- WebsiteView website
Turkiye Garanti Bankasi A.S. provides various banking products and services in Turkey. The company 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. It also provides payment systems and services; private banking services; banking services for salary payments/entrepreneurship and women entrepreneurs; leasing, fleet, and 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 based in Istanbul, Turkey. Turkiye Garanti Bankasi A.S. is a subsidiary of Banco Bilbao Vizcaya Argentaria, S.A.
