Albaraka Türk Katilim Bankasi A.S. Logo

Albaraka Türk Katilim Bankasi A.S.

ALBRK.IS

(3.2)
Stock Price

6,19 TRY

1.85% ROA

35.51% ROE

2.63x PER

Market Cap.

9.950.000.000,00 TRY

256.27% DER

0% Yield

18.66% NPM

Albaraka Türk Katilim Bankasi A.S. Stock Analysis

Albaraka Türk Katilim Bankasi A.S. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Albaraka Türk Katilim Bankasi A.S. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (26.44%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

With a remarkably low PBV ratio (1x), the stock offers substantial upside potential at a bargain price.

3 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Net Profit Growth

Throughout the past five years, this company has consistently experienced net profit growth, indicating a strong financial performance and making it an attractive investment prospect.

5 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

6 ROA

The stock's ROA (1.22%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

8 Buffet Intrinsic Value

The company's stock seems undervalued (52) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 DER

The stock is burdened with a heavy load of debt (258%), making it financially unstable and potentially risky for investors.

10 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

Albaraka Türk Katilim Bankasi A.S. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Albaraka Türk Katilim Bankasi A.S. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

Albaraka Türk Katilim Bankasi A.S. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Albaraka Türk Katilim Bankasi A.S. Revenue
Year Revenue Growth
2003 128.597.000
2004 228.945.000 43.83%
2005 427.143.000 46.4%
2006 151.287.000 -182.34%
2007 238.546.000 36.58%
2008 360.923.000 33.91%
2009 440.864.000 18.13%
2010 475.242.000 7.23%
2011 552.664.000 14.01%
2012 631.779.000 12.52%
2013 798.617.000 20.89%
2014 897.772.000 11.04%
2015 1.099.069.000 18.32%
2016 1.249.427.000 12.03%
2017 1.573.672.000 20.6%
2018 1.700.865.000 7.48%
2019 1.638.106.000 -3.83%
2020 2.422.105.000 32.37%
2021 3.345.300.000 27.6%
2022 9.739.683.000 65.65%
2023 19.217.252.000 49.32%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Albaraka Türk Katilim Bankasi A.S. Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Albaraka Türk Katilim Bankasi A.S. General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 14.880.000
2004 21.916.000 32.1%
2005 0 0%
2006 766.000 100%
2007 1.008.000 24.01%
2008 0 0%
2009 0 0%
2010 0 0%
2011 22.624.000 100%
2012 3.600.000 -528.44%
2013 10.149.000 64.53%
2014 13.430.000 24.43%
2015 18.287.000 26.56%
2016 20.867.000 12.36%
2017 37.591.000 44.49%
2018 39.808.000 5.57%
2019 42.227.000 5.73%
2020 46.596.000 9.38%
2021 55.028.000 15.32%
2022 97.251.000 43.42%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Albaraka Türk Katilim Bankasi A.S. EBITDA
Year EBITDA Growth
2003 211.129.000
2004 141.725.000 -48.97%
2005 -55.670.000 354.58%
2006 229.523.000 124.25%
2007 316.941.000 27.58%
2008 466.635.000 32.08%
2009 480.271.000 2.84%
2010 513.036.000 6.39%
2011 595.947.000 13.91%
2012 774.015.000 23.01%
2013 856.562.000 9.64%
2014 1.166.152.000 26.55%
2015 1.480.306.000 21.22%
2016 1.522.767.000 2.79%
2017 1.742.654.000 12.62%
2018 2.210.692.000 21.17%
2019 235.144.000 -840.14%
2020 506.117.000 53.54%
2021 470.840.000 -7.49%
2022 2.881.503.000 83.66%
2023 10.638.292.000 72.91%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Albaraka Türk Katilim Bankasi A.S. Gross Profit
Year Gross Profit Growth
2003 128.597.000
2004 228.945.000 43.83%
2005 427.143.000 46.4%
2006 151.287.000 -182.34%
2007 238.546.000 36.58%
2008 360.923.000 33.91%
2009 440.864.000 18.13%
2010 475.242.000 7.23%
2011 552.664.000 14.01%
2012 625.844.000 11.69%
2013 783.055.000 20.08%
2014 887.909.000 11.81%
2015 1.082.327.000 17.96%
2016 1.228.846.000 11.92%
2017 1.535.827.000 19.99%
2018 1.672.500.000 8.17%
2019 1.638.106.000 -2.1%
2020 2.422.105.000 32.37%
2021 3.345.300.000 27.6%
2022 9.739.683.000 65.65%
2023 19.217.252.000 49.32%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Albaraka Türk Katilim Bankasi A.S. Net Profit
Year Net Profit Growth
2003 17.874.000
2004 34.334.000 47.94%
2005 46.128.000 25.57%
2006 69.381.000 33.51%
2007 84.979.000 18.36%
2008 136.242.000 37.63%
2009 105.279.000 -29.41%
2010 134.044.000 21.46%
2011 160.155.000 16.3%
2012 191.835.000 16.51%
2013 241.409.000 20.54%
2014 248.147.000 2.72%
2015 300.843.000 17.52%
2016 219.607.000 -36.99%
2017 250.239.000 12.24%
2018 158.014.000 -58.37%
2019 90.045.000 -75.48%
2020 302.304.000 70.21%
2021 942.461.000 67.92%
2022 1.699.161.000 44.53%
2023 7.526.028.000 77.42%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Albaraka Türk Katilim Bankasi A.S. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 3 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Albaraka Türk Katilim Bankasi A.S. Free Cashflow
Year Free Cashflow Growth
2005 68.527.000
2006 8.275.000 -728.12%
2007 77.560.000 89.33%
2008 174.830.000 55.64%
2009 686.312.000 74.53%
2010 -237.417.000 389.07%
2011 -59.507.000 -298.97%
2012 -770.872.000 92.28%
2013 283.517.000 371.9%
2014 -245.294.000 215.58%
2015 919.907.000 126.67%
2016 190.591.000 -382.66%
2017 -801.076.000 123.79%
2018 2.648.795.000 130.24%
2019 5.546.978.000 52.25%
2020 -5.143.996.000 207.83%
2021 10.079.514.000 151.03%
2022 3.910.731.000 -157.74%
2023 6.823.255.000 42.69%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Albaraka Türk Katilim Bankasi A.S. Operating Cashflow
Year Operating Cashflow Growth
2005 75.631.000
2006 16.887.000 -347.87%
2007 92.400.000 81.72%
2008 193.080.000 52.14%
2009 772.043.000 74.99%
2010 -163.495.000 572.21%
2011 12.631.000 1394.39%
2012 -710.000.000 101.78%
2013 414.551.000 271.27%
2014 -173.212.000 339.33%
2015 988.454.000 117.52%
2016 223.079.000 -343.1%
2017 175.689.000 -26.97%
2018 2.774.873.000 93.67%
2019 5.842.908.000 52.51%
2020 -4.970.112.000 217.56%
2021 10.079.514.000 149.31%
2022 3.910.731.000 -157.74%
2023 6.823.255.000 42.69%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Albaraka Türk Katilim Bankasi A.S. Capital Expenditure
Year Capital Expenditure Growth
2005 7.104.000
2006 8.612.000 17.51%
2007 14.840.000 41.97%
2008 18.250.000 18.68%
2009 85.731.000 78.71%
2010 73.922.000 -15.97%
2011 72.138.000 -2.47%
2012 60.872.000 -18.51%
2013 131.034.000 53.54%
2014 72.082.000 -81.78%
2015 68.547.000 -5.16%
2016 32.488.000 -110.99%
2017 976.765.000 96.67%
2018 126.078.000 -674.73%
2019 295.930.000 57.4%
2020 173.884.000 -70.19%
2021 0 0%
2022 0 0%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Albaraka Türk Katilim Bankasi A.S. Equity
Year Equity Growth
2003 187.343.000
2004 111.667.000 -67.77%
2005 182.490.000 38.81%
2006 245.905.000 25.79%
2007 533.780.000 53.93%
2008 638.102.000 16.35%
2009 710.666.000 10.21%
2010 852.635.000 16.65%
2011 1.004.251.000 15.1%
2012 1.218.333.000 17.57%
2013 1.497.268.000 18.63%
2014 1.786.005.000 16.17%
2015 2.096.028.000 14.79%
2016 2.273.171.000 7.79%
2017 2.489.168.000 8.68%
2018 3.551.582.000 29.91%
2019 4.031.266.000 11.9%
2020 4.348.936.000 7.3%
2021 6.699.180.000 35.08%
2022 9.347.788.000 28.33%
2023 12.149.393.000 23.06%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Albaraka Türk Katilim Bankasi A.S. Assets
Year Assets Growth
2003 1.199.600.000
2004 1.460.789.000 17.88%
2005 1.969.598.000 25.83%
2006 2.491.813.000 20.96%
2007 3.690.029.000 32.47%
2008 4.789.108.000 22.95%
2009 6.414.914.000 25.34%
2010 8.406.301.000 23.69%
2011 10.460.885.000 19.64%
2012 12.327.654.000 15.14%
2013 17.216.553.000 28.4%
2014 23.014.485.000 25.19%
2015 29.517.447.000 22.03%
2016 32.799.853.000 10.01%
2017 36.331.707.000 9.72%
2018 42.221.947.000 13.95%
2019 51.475.968.000 17.98%
2020 69.520.011.000 25.96%
2021 110.024.448.000 36.81%
2022 146.963.163.000 25.13%
2023 204.715.747.000 28.21%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Albaraka Türk Katilim Bankasi A.S. Liabilities
Year Liabilities Growth
2003 1.012.257.000
2004 1.349.122.000 24.97%
2005 1.787.108.000 24.51%
2006 2.245.908.000 20.43%
2007 3.156.249.000 28.84%
2008 4.151.006.000 23.96%
2009 5.704.248.000 27.23%
2010 7.553.666.000 24.48%
2011 9.456.634.000 20.12%
2012 11.109.321.000 14.88%
2013 15.719.285.000 29.33%
2014 21.228.480.000 25.95%
2015 27.421.419.000 22.58%
2016 30.526.682.000 10.17%
2017 33.686.492.000 9.38%
2018 38.670.365.000 12.89%
2019 6.005.078.000 -543.96%
2020 11.439.458.000 47.51%
2021 8.679.879.000 -31.79%
2022 137.615.375.000 93.69%
2023 30.897.628.000 -345.39%

Albaraka Türk Katilim Bankasi A.S. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.08
Net Income per Share
1.51
Price to Earning Ratio
2.63x
Price To Sales Ratio
0.65x
POCF Ratio
-1.31
PFCF Ratio
-1.31
Price to Book Ratio
0.83
EV to Sales
-0.93
EV Over EBITDA
-2.43
EV to Operating CashFlow
1.86
EV to FreeCashFlow
1.86
Earnings Yield
0.38
FreeCashFlow Yield
-0.76
Market Cap
9,95 Bil.
Enterprise Value
-14,09 Bil.
Graham Number
12.81
Graham NetNet
9.62

Income Statement Metrics

Net Income per Share
1.51
Income Quality
-8.17
ROE
0.39
Return On Assets
0.02
Return On Capital Employed
0.05
Net Income per EBT
0.68
EBT Per Ebit
1.3
Ebit per Revenue
0.21
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.21
Pretax Profit Margin
0.27
Net Profit Margin
0.19

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-3.03
Free CashFlow per Share
-3.03
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.09
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
21,98
Book Value per Share
4,82
Tangible Book Value per Share
69.41
Shareholders Equity per Share
4.82
Interest Debt per Share
12.36
Debt to Equity
2.56
Debt to Assets
0.15
Net Debt to EBITDA
-4.15
Current Ratio
0
Tangible Asset Value
173,53 Bil.
Net Current Asset Value
24,04 Bil.
Invested Capital
2.56
Working Capital
54,94 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
3.11

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Albaraka Türk Katilim Bankasi A.S. Dividends
Year Dividends Growth
2008 0
2009 0 0%
2010 0 0%
2011 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%

Albaraka Türk Katilim Bankasi A.S. Profile

About Albaraka Türk Katilim Bankasi A.S.

Albaraka Türk Katilim Bankasi A.S. provides various banking products and services. It offers profitable, current, foreign currency, gold participation, housing, marriage, participation, Hajj/Umrah, and bill payment accounts; housing, vehicle, house rent, timesharing, timeshare vacation, Hajj and Umrah, dental health, education, dormitory, wedding organization, natural gas conversion, land and workplace, and Sukuk guaranteed financing products; and credit, business, and bank cards. The company also provides private pension products; personal accident, education, vehicle, critical illness, health, travel health, agriculture, fire, yacht and boat, natural disaster, traffic, employer financial liability, electronic device, construction and leasing all risk, installment, cash and assets, highway transportation liability, and compulsory highways transportation financial liability insurance products; bill payment, money transfer, safe deposit box; and finance leasing services. In addition, it offers cash credits, such as corporate finance support, export and project financing, dealer financing, credit guarantee funds, and credit invoice; non-cash credits, including letters of guarantee and credit, acceptance credit, and reference letters; and cash management services that comprise direct debiting, fuel management, and supplier payment systems, cheques and promissory notes, POS and member merchant services, and accounting integration. Further, the company provides foreign trade transaction services; and Internet, mobile, phone, and ATM banking services. As of December 31, 2021, it operated through 229 local branches and 2 foreign branches in Turkey. The company was incorporated in 1984 and is headquartered in Ümraniye, Turkey.

CEO
Mr. Malek Khodr Temsah
Employee
2.723
Address
Saray Mahallesi
Ümraniye, 34768

Albaraka Türk Katilim Bankasi A.S. Executives & BODs

Albaraka Türk Katilim Bankasi A.S. Executives & BODs
# Name Age
1 Mr. Mehmet Emin Çonkar
Assistant General Manager of Credit Monitoring & Legal Follow-up
70
2 Mr. Ahmet Faruk Degirmenci
Head of Internal Control
70
3 Mr. Umut Çakmak
Assistant General Manager of Finance & Human Assets
70
4 Mr. Seyfullah Demirlek
Investor Relations Manager
70
5 Mr. Turgut Simitcioglu
Chief Assistant General Manager
70
6 Mr. Muhammet Faruk Torlak
Assistant General Manager of Credits
70
7 Mr. Muzaffer Colmek
Assistant General Manager of Operations
70
8 Mr. Ahmet Koç
President of Legislation & Compliance
70
9 Mr. Malek Khodr Temsah
GM & Director
70
10 Mr. Erdal Sezer
Acting Head of Risk Management
70

Albaraka Türk Katilim Bankasi A.S. Competitors