Turkiye Garanti Bankasi A.S.
Turkiye Garanti Bankasi A.S. Fundamental Analysis
Turkiye Garanti Bankasi A.S. (TKGBY) shows strong financial fundamentals with a PE ratio of 6.20, profit margin of 12.63%, and ROE of 27.95%. The company generates $869.5B in annual revenue with moderate year-over-year growth of 3.38%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 58.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze TKGBY's fundamental strength across five key dimensions:
Efficiency Score
WeakTKGBY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentTKGBY trades at attractive valuation levels.
Growth Score
WeakTKGBY faces weak or negative growth trends.
Financial Health Score
ModerateTKGBY shows balanced financial health with some risks.
Profitability Score
ModerateTKGBY maintains healthy but balanced margins.
Key Financial Metrics
Is TKGBY Expensive or Cheap?
P/E Ratio
TKGBY trades at 6.20 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, TKGBY's PEG of 0.20 indicates potential undervaluation.
Price to Book
The market values Turkiye Garanti Bankasi A.S. at 1.53 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.52 times EBITDA. This is generally considered low.
How Well Does TKGBY Make Money?
Net Profit Margin
For every $100 in sales, Turkiye Garanti Bankasi A.S. keeps $12.63 as profit after all expenses.
Operating Margin
Core operations generate 18.44 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $27.95 in profit for every $100 of shareholder equity.
ROA
Turkiye Garanti Bankasi A.S. generates $2.41 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Turkiye Garanti Bankasi A.S. generates limited operating cash flow of $58.12B, signaling weaker underlying cash strength.
Free Cash Flow
Turkiye Garanti Bankasi A.S. produces free cash flow of $47.72B, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $11.36 in free cash annually.
FCF Yield
TKGBY converts 6.93% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
6.20
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.20
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.53
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.78
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.97
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.02
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.28
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.44
vs 25 benchmark
How TKGBY Stacks Against Its Sector Peers
| Metric | TKGBY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 6.20 | 18.73 | Better (Cheaper) |
| ROE | 27.95% | 847.00% | Weak |
| Net Margin | 12.63% | 2562.00% | Weak |
| Debt/Equity | 0.97 | 0.93 | Neutral |
| Current Ratio | 0.02 | 674.76 | Weak Liquidity |
| ROA | 2.41% | -21692.00% (disorted) | Weak |
TKGBY outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Turkiye Garanti Bankasi A.S.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
3766.30%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
1380.04%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-1109.93%
Industry Style: Value, Dividend, Cyclical
Declining