Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Logo

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi

VAKBN.IS

(2.2)
Stock Price

21,34 TRY

1.03% ROA

20.8% ROE

5.75x PER

Market Cap.

148.143.844.800,00 TRY

214.91% DER

0% Yield

13.58% NPM

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Stock Analysis

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi 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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (19.23%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 PBV

The stock's low PBV ratio (0.97x) suggests it's undervalued, making it an attractive opportunity for investors.

3 Assets Growth

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

4 ROA

The stock's ROA (1.03%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

6 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (140), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

7 DER

The stock is burdened with a heavy load of debt (215%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

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 be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi 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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi 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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Revenue
Year Revenue Growth
2006 2.445.893.000
2007 2.853.144.000 14.27%
2008 3.266.800.000 12.66%
2009 4.402.349.000 25.79%
2010 4.761.706.000 7.55%
2011 5.124.072.000 7.07%
2012 5.671.349.000 9.65%
2013 6.621.324.000 14.35%
2014 6.325.199.000 -4.68%
2015 7.282.766.000 13.15%
2016 9.299.323.000 21.68%
2017 11.821.957.000 21.34%
2018 16.106.915.000 26.6%
2019 17.387.438.000 7.36%
2020 23.003.607.000 24.41%
2021 21.133.577.000 -8.85%
2022 93.565.056.000 77.41%
2023 98.592.352.000 5.1%

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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Research and Development Expenses
Year Research and Development Expenses Growth
2006 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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 20.249.000 100%
2013 26.286.000 22.97%
2014 33.778.000 22.18%
2015 41.636.000 18.87%
2016 52.947.000 21.36%
2017 68.416.000 22.61%
2018 63.461.000 -7.81%
2019 77.078.000 17.67%
2020 0 0%
2021 0 0%
2022 0 0%
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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi EBITDA
Year EBITDA Growth
2006 4.092.347.000
2007 4.944.664.000 17.24%
2008 5.660.395.000 12.64%
2009 5.070.753.000 -11.63%
2010 4.766.255.000 -6.39%
2011 5.490.597.000 13.19%
2012 6.741.481.000 18.56%
2013 6.722.148.000 -0.29%
2014 9.210.539.000 27.02%
2015 10.852.820.000 15.13%
2016 13.428.608.000 19.18%
2017 18.178.194.000 26.13%
2018 29.368.865.000 38.1%
2019 4.853.764.000 -505.07%
2020 8.425.253.000 42.39%
2021 6.981.878.000 -20.67%
2022 125.739.821.000 94.45%
2023 23.345.868.000 -438.6%

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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Gross Profit
Year Gross Profit Growth
2006 2.445.893.000
2007 2.853.144.000 14.27%
2008 3.266.800.000 12.66%
2009 4.402.349.000 25.79%
2010 4.761.706.000 7.55%
2011 5.124.072.000 7.07%
2012 5.671.349.000 9.65%
2013 6.621.324.000 14.35%
2014 6.325.199.000 -4.68%
2015 7.282.766.000 13.15%
2016 9.299.323.000 21.68%
2017 11.821.957.000 21.34%
2018 16.106.915.000 26.6%
2019 17.387.438.000 7.36%
2020 23.003.607.000 24.41%
2021 21.133.577.000 -8.85%
2022 93.565.056.000 77.41%
2023 98.592.352.000 5.1%

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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Net Profit
Year Net Profit Growth
2006 896.092.000
2007 1.049.839.000 14.64%
2008 911.858.000 -15.13%
2009 1.330.107.000 31.44%
2010 1.164.297.000 -14.24%
2011 1.361.009.000 14.45%
2012 1.423.451.000 4.39%
2013 1.652.474.000 13.86%
2014 1.805.677.000 8.48%
2015 1.948.588.000 7.33%
2016 2.789.918.000 30.16%
2017 3.932.432.000 29.05%
2018 4.544.278.000 13.46%
2019 3.369.359.000 -34.87%
2020 6.337.453.000 46.83%
2021 5.165.856.000 -22.68%
2022 25.811.449.000 79.99%
2023 10.199.060.000 -153.08%

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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 1
2007 0 0%
2008 0 0%
2009 1 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 100%
2017 2 0%
2018 2 0%
2019 1 0%
2020 2 0%
2021 1 0%
2022 7 83.33%
2023 1 -500%

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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Free Cashflow
Year Free Cashflow Growth
2006 -4.512.675.000
2007 -880.415.000 -412.56%
2008 1.838.991.000 147.87%
2009 9.483.950.000 80.61%
2010 -1.754.514.000 640.55%
2011 -2.112.859.000 16.96%
2012 -4.428.346.000 52.29%
2013 -517.521.000 -755.68%
2014 146.894.000 452.31%
2015 -1.471.496.000 109.98%
2016 -438.129.000 -235.86%
2017 6.172.053.000 107.1%
2018 3.769.477.000 -63.74%
2019 13.092.852.000 71.21%
2020 62.151.914.000 78.93%
2021 27.499.593.000 -126.01%
2022 75.093.969.000 63.38%
2023 27.264.088.000 -175.43%

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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Operating Cashflow
Year Operating Cashflow Growth
2006 -4.418.917.000
2007 -742.696.000 -494.98%
2008 2.028.021.000 136.62%
2009 9.590.547.000 78.85%
2010 -1.655.002.000 679.49%
2011 -1.823.482.000 9.24%
2012 -4.329.246.000 57.88%
2013 -327.212.000 -1223.07%
2014 322.786.000 201.37%
2015 -613.073.000 152.65%
2016 -189.508.000 -223.51%
2017 6.343.619.000 102.99%
2018 6.820.539.000 6.99%
2019 13.539.337.000 49.62%
2020 65.021.903.000 79.18%
2021 27.499.593.000 -136.45%
2022 75.093.969.000 63.38%
2023 27.264.088.000 -175.43%

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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Capital Expenditure
Year Capital Expenditure Growth
2006 93.758.000
2007 137.719.000 31.92%
2008 189.030.000 27.14%
2009 106.597.000 -77.33%
2010 99.512.000 -7.12%
2011 289.377.000 65.61%
2012 99.100.000 -192.01%
2013 190.309.000 47.93%
2014 175.892.000 -8.2%
2015 858.423.000 79.51%
2016 248.621.000 -245.27%
2017 171.566.000 -44.91%
2018 3.051.062.000 94.38%
2019 446.485.000 -583.35%
2020 2.869.989.000 84.44%
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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Equity
Year Equity Growth
2006 4.375.425.000
2007 5.100.006.000 14.21%
2008 5.693.720.000 10.43%
2009 7.721.068.000 26.26%
2010 8.336.293.000 7.38%
2011 9.239.152.000 9.77%
2012 11.431.378.000 19.18%
2013 12.161.857.000 6.01%
2014 14.474.439.000 15.98%
2015 16.497.364.000 12.26%
2016 19.079.943.000 13.54%
2017 22.945.862.000 16.85%
2018 29.105.753.000 21.16%
2019 33.552.290.000 13.25%
2020 47.152.087.000 28.84%
2021 54.200.028.000 13%
2022 106.525.528.000 49.12%
2023 141.411.256.000 24.67%

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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Assets
Year Assets Growth
2006 38.465.993.000
2007 43.965.691.000 12.51%
2008 54.251.773.000 18.96%
2009 67.022.614.000 19.05%
2010 76.834.902.000 12.77%
2011 93.460.544.000 17.79%
2012 108.039.412.000 13.49%
2013 139.787.582.000 22.71%
2014 163.551.462.000 14.53%
2015 189.585.558.000 13.73%
2016 220.671.000.000 14.09%
2017 280.859.006.000 21.43%
2018 344.638.460.000 18.51%
2019 433.041.129.000 20.41%
2020 712.090.517.000 39.19%
2021 1.028.901.098.000 30.79%
2022 1.707.031.857.000 39.73%
2023 2.226.825.404.000 23.34%

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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Liabilities
Year Liabilities Growth
2006 33.822.232.000
2007 38.595.879.000 12.37%
2008 48.251.469.000 20.01%
2009 58.998.201.000 18.22%
2010 68.255.819.000 13.56%
2011 83.862.342.000 18.61%
2012 96.210.415.000 12.83%
2013 127.316.624.000 24.43%
2014 148.590.939.000 14.32%
2015 172.582.803.000 13.9%
2016 201.063.528.000 14.17%
2017 257.236.041.000 21.84%
2018 315.532.707.000 18.48%
2019 93.508.024.000 -237.44%
2020 118.284.104.000 20.95%
2021 190.904.323.000 38.04%
2022 1.600.506.329.000 88.07%
2023 298.535.240.000 -436.12%

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.15
Net Income per Share
2.6
Price to Earning Ratio
5.75x
Price To Sales Ratio
1.28x
POCF Ratio
1.25
PFCF Ratio
1.4
Price to Book Ratio
0.95
EV to Sales
1.33
EV Over EBITDA
1.24
EV to Operating CashFlow
1.46
EV to FreeCashFlow
1.46
Earnings Yield
0.17
FreeCashFlow Yield
0.71
Market Cap
148,14 Bil.
Enterprise Value
154,01 Bil.
Graham Number
30.32
Graham NetNet
1.47

Income Statement Metrics

Net Income per Share
2.6
Income Quality
5.19
ROE
0.19
Return On Assets
0.01
Return On Capital Employed
0.05
Net Income per EBT
0.88
EBT Per Ebit
0.62
Ebit per Revenue
0.25
Effective Tax Rate
0.06

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
0.25
Pretax Profit Margin
0.16
Net Profit Margin
0.14

Dividends

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

Operating Metrics

Operating Cashflow per Share
11.98
Free CashFlow per Share
11.98
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.18
Return on Tangible Assets
0.01
Days Sales Outstanding
78.89
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
4.63
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
33,15
Book Value per Share
15,73
Tangible Book Value per Share
218.33
Shareholders Equity per Share
15.73
Interest Debt per Share
49.49
Debt to Equity
2.15
Debt to Assets
0.13
Net Debt to EBITDA
0.05
Current Ratio
0
Tangible Asset Value
1.927,62 Bil.
Net Current Asset Value
19,22 Bil.
Invested Capital
2.15
Working Capital
317,75 Bil.
Intangibles to Total Assets
0
Average Receivables
23,61 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.02

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.

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Dividends
Year Dividends Growth
2006 0
2007 0 0%
2008 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%

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Profile

About Türkiye Vakiflar Bankasi Türk Anonim Ortakligi

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi, together with its subsidiaries, provides corporate, commercial, small business, retail, and investment banking services in Turkey and internationally. It offers time and demand deposits, accumulating accounts, repos, spot loans, foreign currency indexed loans, consumer loans, automobile and housing loans, working capital loans, discounted bills, overdraft facilities, gold loans, foreign currency loans, Eximbank loans, pre-export loans, ECA covered financing, letters of guarantee, letters of credit, export factoring, acceptance credits, and draft facilities. The company also provides forfeiting, leasing, forwards, futures, salary payments, investment accounts, cheques, safety boxes, tax collections, bill payment, and payment order services, as well as insurance products. In addition, it offers foreign trade transactions, cash management, factoring, credit cards, investment products, leasing, and other banking products to its corporate, commercial, and retail customers. Further, the company provides small business banking services, including overdraft accounts, POS machines, credit cards, cheque books, TL and foreign currency deposits, Internet banking and call-center, debit card, and bill payment to enterprises in retail and service sectors. Additionally, it offers capital market transactions; issues capital market tools; purchases and sells marketable securities; and provides investment consultancy and portfolio management services, as well as invests in marketable debt and equity securities, and gold and other precious metals. As of December 31, 2021, the company operated a network of 936 branches in Turkey, as well as 4 foreign branches located in New York, Bahrain, Qatar, and Erbil. Türkiye Vakiflar Bankasi Türk Anonim Ortakligi was founded in 1954 and is headquartered in Istanbul, Turkey. Türkiye Vakiflar Bankasi Türk Anonim Ortakligi is a subsidiary of Ministry of Treasury and Finance.

CEO
Mr. Abdi Serdar Ustunsalih
Employee
17.263
Address
Saray Mahallesi
Istanbul, 34768

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Executives & BODs

Türkiye Vakiflar Bankasi Türk Anonim Ortakligi Executives & BODs
# Name Age
1 Mr. Mikail Hidir
Executive Vice President of Legal Affairs & Credit Risk Liquidation
70
2 Mr. Muhammet Lutfu Celebi
Executive Vice President of Human Resources and Organizational Development
70
3 Mr. Suayyip Ilbilgi
Executive Vice President of Financial Management, Strategy and Subsidiaries
70
4 Mr. Alaattin Simsek
Executive Vice President of Corporate, Commercial, SME & Micro SME Banking Marketing
70
5 Mr. Ferkan Merdan
Executive Vice President of Digital Banking, Customer Experience & Corporate Communication
70
6 Dr. Metin Recep Zafer
Executive Vice President of IT Technologies and Operations
70
7 Mr. Ramazan Siryol
Head of Compliance and Regulation Department
70
8 Mr. Abdi Serdar Ustunsalih
Chief Executive Officer, GM & Executive Director
70
9 Mr. Korhan Turgut
Head of Accounting & Financial Affairs
70
10 Mr. Ali Tahan
Senior Vice President and Head of International Banking & Investor Relations
70

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