| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 5/6 |
| Dividends | 0/6 |
QNBFB Stock Overview
QNB Finansbank A.S. provides various banking products and services in Turkey.
QNB Finansbank Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₺58.05 |
| 52 Week High | ₺74.95 |
| 52 Week Low | ₺33.76 |
| Beta | 1.6 |
| 1 Month Change | 56.47% |
| 3 Month Change | 50.70% |
| 1 Year Change | -19.26% |
| 3 Year Change | 711.89% |
| 5 Year Change | 1,279.22% |
| Change since IPO | 230,788.55% |
Recent News & Updates
Shareholder Returns
| QNBFB | TR Banks | TR Market | |
|---|---|---|---|
| 7D | 46.1% | 23.7% | 9.3% |
| 1Y | -19.3% | -10.1% | 21.5% |
Return vs Industry: QNBFB underperformed the TR Banks industry which returned -10.1% over the past year.
Return vs Market: QNBFB underperformed the TR Market which returned 21.5% over the past year.
Price Volatility
| QNBFB volatility | |
|---|---|
| QNBFB Average Weekly Movement | 7.2% |
| Banks Industry Average Movement | 5.0% |
| Market Average Movement | 5.5% |
| 10% most volatile stocks in TR Market | 9.0% |
| 10% least volatile stocks in TR Market | 4.0% |
Stable Share Price: QNBFB is not significantly more volatile than the rest of TR stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: QNBFB's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1987 | 11,292 | Temel Guzeloglu | https://www.qnbfinansbank.com |
QNB Finansbank A.S. provides various banking products and services in Turkey. It offers deposit products, including savings, daily yield, gold, and payroll accounts; time and demand deposits; consumer, auto, and mortgage loans; payments services; safe deposit boxes; and various insurance products comprising life, workplace, unemployment, auto, home, professional liability, personal accident, and e-insurance, as well as overdrafts, bank and credit cards, and support products. The company also provides investment products, such as treasury bills and government bonds, bank bills and bank bonds, Eurobonds, mutual funds, capital guaranteed and exchange traded funds, deposits fund, derivatives, and repo and stocks, as well as private portfolio products.
QNB Finansbank Fundamentals Summary
| QNBFB fundamental statistics | |
|---|---|
| Market Cap | ₺194.47b |
| Earnings (TTM) | ₺3.30b |
| Revenue (TTM) | ₺9.00b |
58.9x
P/E Ratio9.0x
P/B RatioIs QNBFB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| QNBFB income statement (TTM) | |
|---|---|
| Revenue | ₺9.00b |
| Cost of Revenue | ₺266.07m |
| Gross Profit | ₺8.74b |
| Expenses | ₺5.44b |
| Earnings | ₺3.30b |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.99 |
| Gross Margin | 97.04% |
| Net Profit Margin | 36.67% |
| Debt/Equity Ratio | 394.0% |
How did QNBFB perform over the long term?
See historical performance and comparisonValuation
Is QNB Finansbank undervalued compared to its fair value and its price relative to the market?
58.9x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: QNBFB (TRY58.05) is trading above our estimate of fair value (TRY4.29)
Significantly Below Fair Value: QNBFB is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: QNBFB is poor value based on its PE Ratio (58.9x) compared to the TR Banks industry average (7.2x).
PE vs Market: QNBFB is poor value based on its PE Ratio (58.9x) compared to the TR market (16x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate QNBFB's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: QNBFB is overvalued based on its PB Ratio (9x) compared to the TR Banks industry average (0.6x).
Future Growth
How is QNB Finansbank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
21.5%
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as QNB Finansbank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Past Performance
How has QNB Finansbank performed over the past 5 years?
16.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: QNBFB has a high level of non-cash earnings.
Growing Profit Margin: QNBFB's current net profit margins (36.7%) are higher than last year (35.2%).
Past Earnings Growth Analysis
Earnings Trend: QNBFB's earnings have grown by 16.9% per year over the past 5 years.
Accelerating Growth: QNBFB's earnings growth over the past year (18.9%) exceeds its 5-year average (16.9% per year).
Earnings vs Industry: QNBFB earnings growth over the past year (18.9%) underperformed the Banks industry 26.9%.
Return on Equity
High ROE: QNBFB's Return on Equity (15.3%) is considered low.
Financial Health
How is QNB Finansbank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: QNBFB's Assets to Equity ratio (13.1x) is moderate.
Allowance for Bad Loans: QNBFB has a sufficient allowance for bad loans (120%).
Low Risk Liabilities: 62% of QNBFB's liabilities are made up of primarily low risk sources of funding.
Loan Level: QNBFB has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: QNBFB's Loans to Deposits ratio (108%) is appropriate.
Level of Bad Loans: QNBFB has a high level of bad loans (5.5%).
Dividend
What is QNB Finansbank current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate QNBFB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate QNBFB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if QNBFB's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if QNBFB's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: QNBFB is not paying a notable dividend for the TR market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of QNBFB's dividend in 3 years as they are not forecast to pay a notable one for the TR market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
10.3yrs
Average management tenure
CEO
Temel Guzeloglu (52 yo)
11.67yrs
Tenure
Mr. Temel Guzeloglu has been Chief Executive Officer at QNB Finansbank AS of Qatar National Bank (Q.P.S.C.). He has been Chief Executive Officer at QNB Finansbank AS since April 2010 and was its Managing D...
Leadership Team
Experienced Management: QNBFB's management team is seasoned and experienced (10.3 years average tenure).
Board Members
Experienced Board: QNBFB's board of directors are considered experienced (5.5 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
QNB Finansbank A.S.'s employee growth, exchange listings and data sources
Key Information
- Name: QNB Finansbank A.S.
- Ticker: QNBFB
- Exchange: IBSE
- Founded: 1987
- Industry: Diversified Banks
- Sector: Banks
- Market Cap: ₺194.468b
- Shares outstanding: 3.35b
- Website: https://www.qnbfinansbank.com
Number of Employees
Location
- QNB Finansbank A.S.
- Esentepe Mahallesi
- Büyükdere Caddesi Kristal Kule Binasi No:215
- Istanbul
- Turkey
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/12/07 23:03 |
| End of Day Share Price | 2021/12/07 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2020/12/31 |
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 here.