Turkiye Garanti Bankasi A.S. Logo

Turkiye Garanti Bankasi A.S.

TKGZY

(0.5)
Stock Price

0,56 USD

3.79% ROA

41.35% ROE

0.87x PER

Market Cap.

131.406.164.536,96 USD

81.28% DER

0.5% Yield

40.62% NPM

Turkiye Garanti Bankasi A.S. Stock Analysis

Turkiye Garanti 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.

Turkiye Garanti Bankasi A.S. Fundamental Stock Analysis
# Analysis Rating
1 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

2 Dividend

The company's consistent dividend payments over the past three years indicate a strong commitment to delivering returns to investors.

3 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

4 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

5 Graham Number

Unidentified Graham Number

6 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is overpriced (0), presenting a possible disadvantage for investors as its market price surpasses its estimated intrinsic value.

7 ROE

Unidentified ROE

8 ROA

Unidentified ROA

9 PBV

Unidentified ROA

10 DER

Unidentified DER

11 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

Turkiye Garanti 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.

Turkiye Garanti Bankasi A.S. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Buy
4 Stoch RSI Buy

Turkiye Garanti 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.

Turkiye Garanti Bankasi A.S. Revenue
Year Revenue Growth
2019 30.812.427.000
2020 39.193.220.000 21.38%
2021 61.573.200.000 36.35%
2022 133.006.818.000 53.71%
2023 199.324.012.000 33.27%
2024 261.223.884.000 23.7%

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.

Turkiye Garanti Bankasi A.S. Research and Development Expenses
Year Research and Development Expenses Growth
2019 0
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 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.

Turkiye Garanti Bankasi A.S. General and Administrative Expenses
Year General and Administrative Expenses Growth
2019 92.014.000
2020 92.123.000 0.12%
2021 0 0%
2022 0 0%
2023 21.235.114.000 100%
2024 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.

Turkiye Garanti Bankasi A.S. EBITDA
Year EBITDA Growth
2019 8.964.163.000
2020 10.030.478.000 10.63%
2021 18.704.555.000 46.37%
2022 78.004.602.000 76.02%
2023 213.389.000 -36455.12%
2024 2.249.340.000 90.51%

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.

Turkiye Garanti Bankasi A.S. Gross Profit
Year Gross Profit Growth
2019 30.812.427.000
2020 39.193.220.000 21.38%
2021 61.573.200.000 36.35%
2022 133.006.818.000 53.71%
2023 160.158.836.000 16.95%
2024 197.337.980.000 18.84%

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.

Turkiye Garanti Bankasi A.S. Net Profit
Year Net Profit Growth
2019 6.164.914.000
2020 6.305.090.000 2.22%
2021 13.466.741.000 53.18%
2022 58.285.378.000 76.9%
2023 86.374.997.000 32.52%
2024 89.161.064.000 3.12%

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.

Turkiye Garanti Bankasi A.S. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2019 1
2020 2 0%
2021 3 66.67%
2022 14 76.92%
2023 21 35%
2024 21 4.76%

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.

Turkiye Garanti Bankasi A.S. Free Cashflow
Year Free Cashflow Growth
2019 13.832.185.000
2020 8.363.480.000 -65.39%
2021 31.018.842.000 73.04%
2022 43.634.577.000 28.91%
2023 186.166.046.000 76.56%
2024 -12.864.076.000 1547.18%

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.

Turkiye Garanti Bankasi A.S. Operating Cashflow
Year Operating Cashflow Growth
2019 14.438.970.000
2020 9.628.517.000 -49.96%
2021 32.305.124.000 70.2%
2022 45.764.484.000 29.41%
2023 191.281.025.000 76.07%
2024 -11.496.733.000 1763.79%

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.

Turkiye Garanti Bankasi A.S. Capital Expenditure
Year Capital Expenditure Growth
2019 606.785.000
2020 1.265.037.000 52.03%
2021 1.286.282.000 1.65%
2022 2.129.907.000 39.61%
2023 5.114.979.000 58.36%
2024 1.367.343.000 -274.08%

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.

Turkiye Garanti Bankasi A.S. Equity
Year Equity Growth
2019 54.050.747.000
2020 62.409.195.000 13.39%
2021 79.222.566.000 21.22%
2022 153.124.120.000 48.26%
2023 245.621.518.000 37.66%
2024 256.050.076.000 4.07%

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.

Turkiye Garanti Bankasi A.S. Assets
Year Assets Growth
2019 428.554.148.000
2020 540.912.805.000 20.77%
2021 849.397.311.000 36.32%
2022 1.303.578.483.000 34.84%
2023 2.201.713.095.000 40.79%
2024 2.462.474.815.000 10.59%

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.

Turkiye Garanti Bankasi A.S. Liabilities
Year Liabilities Growth
2019 374.503.401.000
2020 478.503.610.000 21.73%
2021 770.174.745.000 37.87%
2022 1.150.454.363.000 33.05%
2023 1.956.091.577.000 41.19%
2024 2.206.424.739.000 11.35%

Turkiye Garanti Bankasi A.S. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
54.69
Net Income per Share
22.21
Price to Earning Ratio
0.87x
Price To Sales Ratio
0.57x
POCF Ratio
0.75
PFCF Ratio
1.27
Price to Book Ratio
0.32
EV to Sales
-0.91
EV Over EBITDA
-3.85
EV to Operating CashFlow
-1.94
EV to FreeCashFlow
-2.04
Earnings Yield
1.15
FreeCashFlow Yield
0.79
Market Cap
131,41 Bil.
Enterprise Value
-210,00 Bil.
Graham Number
174.26
Graham NetNet
-392.54

Income Statement Metrics

Net Income per Share
22.21
Income Quality
1.16
ROE
0.41
Return On Assets
0.04
Return On Capital Employed
0.05
Net Income per EBT
0.8
EBT Per Ebit
1
Ebit per Revenue
0.51
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.87
Operating Profit Margin
0.51
Pretax Profit Margin
0.51
Net Profit Margin
0.41

Dividends

Dividend Yield
0.01
Dividend Yield %
0.5
Payout Ratio
0.06
Dividend Per Share
0.1

Operating Metrics

Operating Cashflow per Share
25.76
Free CashFlow per Share
24.57
Capex to Operating CashFlow
-0.05
Capex to Revenue
-0.02
Capex to Depreciation
-1.95
Return on Invested Capital
0.2
Return on Tangible Assets
0.04
Days Sales Outstanding
18.81
Days Payables Outstanding
948.36
Days of Inventory on Hand
0
Receivables Turnover
19.4
Payables Turnover
0.38
Inventory Turnover
0
Capex per Share
-1.2

Balance Sheet

Cash per Share
130,67
Book Value per Share
60,76
Tangible Book Value per Share
60.28
Shareholders Equity per Share
60.76
Interest Debt per Share
99.07
Debt to Equity
0.81
Debt to Assets
0.08
Net Debt to EBITDA
-6.26
Current Ratio
6.95
Tangible Asset Value
253,19 Bil.
Net Current Asset Value
-1.657,59 Bil.
Invested Capital
0.81
Working Capital
469,85 Bil.
Intangibles to Total Assets
0
Average Receivables
21,79 Bil.
Average Payables
72,12 Bil.
Average Inventory
0
Debt to Market Cap
1.58

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.

Turkiye Garanti Bankasi A.S. Dividends
Year Dividends Growth
2013 0
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Turkiye Garanti Bankasi A.S. Profile

About Turkiye Garanti Bankasi A.S.

Turkiye Garanti Bankasi A.S. provides various banking products and services. It offers current, savings, time and term deposit, ELMA, structured deposit, and gold accounts; and general purpose, auto, revolving, house, discount, SME project, installment, working capital, foreign currency, mortgage, and other loans, as well as spot TL and foreign currency, letters of guarantee and reference, and overdraft accounts. The company also provides various cards; and auto, liability, health, unemployment, life, house, individual accident, automobile, business premises, fire, freight, engineering, accident, loan, and agriculture insurance products, as well as pension products. In addition, it offers mutual funds, T-bills/government bonds, Eurobonds, repos, equities, dual currency deposit transactions, Turkish derivatives exchange, e-trader, forward transactions, and taxation services; cash management services; and SME specific products, such as support packages, foreign trade financing and legislation, and related services. Further, the company provides leasing, fleet management, factoring, investment and private banking, payment, safety box, and Internet and mobile/SMS banking services. As of December 31, 2021, the company operated 872 branches and 5,401 ATMs. Turkiye Garanti Bankasi A.S. was founded in 1946 and is headquartered in Istanbul, Turkey. As of May 18, 2022, Turkiye Garanti Bankasi A.S. operates as a subsidiary of Banco Bilbao Vizcaya Argentaria, S.A.

CEO
Mr. Recep Bastug
Employee
18.977
Address
Levent Nispetiye Mah.Aytar Cad.
Istanbul, 34340

Turkiye Garanti Bankasi A.S. Executives & BODs

Turkiye Garanti Bankasi A.S. Executives & BODs
# Name Age
1 Ms. Handan Saygin
Director of Investor Relations
70
2 Mr. Osman Bahri Turgut
Head of Internal Audit & Chief Audit Executive
70
3 Hakan Özdemir
Financial Reporting & Accounting Director
70
4 Ms. Ozlem Oner Ernart
Head of Risk Management
70
5 Mr. Murat Atay
Head of Credit Risk Management
70
6 Mr. Aydin Guler
Executive Vice President of Finance & Treasury
70
7 Vahan Uckardes
Senior Vice President of Financial Planning & Analysis
70
8 Mr. Recep Bastug
GM, President, Chief Executive Officer & Director
70
9 Mr. Cemal Onaran
Executive Vice President of Commercial Banking
70
10 Mr. Mahmut Akten
Executive Vice President of Corporate, Investment Banking & Global Markets
70

Turkiye Garanti Bankasi A.S. Competitors