Turkiye Garanti Bankasi Anonim Sirketi 144A (TKGZY)
OTHER OTC:TKGZY
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TKGZY Stock Chart & Stats
$3.38
$0.00(0.00%)
At close: 4:00 PM EST
$3.38
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$2.70 - $3.80
Previous CloseN/A
Volume1.00
Average Volume (3M)0.00
Market Cap
$11.95B
Enterprise Value$531.24B
Total Cash (Recent Filing)$31.82B
Total Debt (Recent Filing)$431.79B
Price to Earnings (P/E)1.0
Beta0.58
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield19.08%
Share Statistics
EPS (TTM)18.90
Shares Outstanding4,200,000,000
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)0.23
Price to Sales (P/S)0.10
P/FCF Ratio-18.82
Enterprise Value/Market Cap44.45
Enterprise Value/Revenue0.89
Enterprise Value/Gross Profit1.73
Enterprise Value/Ebitda6.63
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Capital & Liquidity BufferMaterial capital and liquidity cushions (CET1 13.1%, CAR 17.5%, TRY179bn excess capital and $7.1bn FX liquidity) provide durable loss absorption and funding resilience. These buffers support continued lending and absorb provisioning shocks, reducing need for near-term capital raises or asset sales.
Fee Revenue DiversificationA rapidly expanding, diversified fee base (≈50% YoY growth; leadership in payments, transfers and insurance) creates recurring non‑interest income that is less cyclical than trading. This structurally cushions margins, helps cover operating costs and reduces reliance on interest spread swings over the medium term.
Scale & Loan Growth (TL)Rapid TL loan growth (45% YoY to TRY1.7tn) reflects market share gains in retail and SME lending. Scale in core lending strengthens the net interest income engine, enhances cross‑sell opportunities and creates a durable revenue base that supports medium‑term NII expansion if asset quality holds.
Bears Say
Weak Cash ConversionReported profits are not consistently translating into cash: FCF turned deeply negative in 2024–25 and operating cash flow is volatile. This undermines internal funding capacity for dividends, investments or buffers and increases reliance on wholesale funding or capital actions if conditions tighten.
Elevated Operating Expense GrowthOpEx surged 67% in 2025 and management flags continued above‑inflation cost growth. Structural investment and salary inflation can erode margins long‑term if fee momentum or NIM expansion slows, pressuring sustainable profitability and return targets over the next several quarters.
Asset‑Quality & Coverage RisksRising NPLs (3.1%) concentrated in retail and cards, flat stage‑2 share and falling coverage raise vulnerability to further credit deterioration. With provisioning normalizing, the bank faces earnings volatility and potential higher charge‑offs if macro or household stress intensifies over the medium term.
Turkiye Garanti Bankasi Anonim Sirketi 144A News
TKGZY FAQ
What was Turkiye Garanti Bankasi Anonim Sirketi 144A’s price range in the past 12 months?
Turkiye Garanti Bankasi Anonim Sirketi 144A lowest stock price was $2.70 and its highest was $3.79 in the past 12 months.
What is Turkiye Garanti Bankasi Anonim Sirketi 144A’s market cap?
Turkiye Garanti Bankasi Anonim Sirketi 144A’s market cap is $11.95B.
When is Turkiye Garanti Bankasi Anonim Sirketi 144A’s upcoming earnings report date?
Turkiye Garanti Bankasi Anonim Sirketi 144A’s upcoming earnings report date is Jul 29, 2026 which is in 69 days.
How were Turkiye Garanti Bankasi Anonim Sirketi 144A’s earnings last quarter?
Turkiye Garanti Bankasi Anonim Sirketi 144A released its earnings results on Apr 29, 2026. The company reported $0.181 earnings per share for the quarter, beating the consensus estimate of N/A by $0.181.
Is Turkiye Garanti Bankasi Anonim Sirketi 144A overvalued?
According to Wall Street analysts Turkiye Garanti Bankasi Anonim Sirketi 144A’s price is currently Overvalued.
Does Turkiye Garanti Bankasi Anonim Sirketi 144A pay dividends?
Turkiye Garanti Bankasi Anonim Sirketi 144A pays a Annually dividend of $0.116 which represents an annual dividend yield of 19.08%. See more information on Turkiye Garanti Bankasi Anonim Sirketi 144A dividends here
What is Turkiye Garanti Bankasi Anonim Sirketi 144A’s EPS estimate?
Turkiye Garanti Bankasi Anonim Sirketi 144A’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Turkiye Garanti Bankasi Anonim Sirketi 144A have?
Turkiye Garanti Bankasi Anonim Sirketi 144A has 4,200,000,000 shares outstanding.
What happened to Turkiye Garanti Bankasi Anonim Sirketi 144A’s price movement after its last earnings report?
Turkiye Garanti Bankasi Anonim Sirketi 144A reported an EPS of $0.181 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.473%.
Which hedge fund is a major shareholder of Turkiye Garanti Bankasi Anonim Sirketi 144A?
Currently, no hedge funds are holding shares in TKGZY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Turkiye Garanti Bankasi Anonim Sirketi 144A Stock Smart Score
Underperform
1
2
3
4
5
6
7
8
9
10
Technicals
SMA
Negative
20 days / 200 days
Momentum
-7.92%
12-Months-Change
Fundamentals
Return on Equity
28.02%
Trailing 12-Months
Asset Growth
16.70%
Trailing 12-Months
Company Description
Turkiye Garanti Bankasi Anonim Sirketi 144A
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.
TKGZY Company Deck
TKGZY Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented strong operating and capital results: double-digit loan growth (45% YoY in TL loans), robust fee growth (+50% YoY), improved NIM (5.4% and +60 bps QoQ), solid capital (CET1 13.1%) and ample FX liquidity ($7.1bn). Challenges noted include a one-off Q4 tax impact, elevated operating expense growth (+67%), modestly higher NPL ratio (3.1%) driven by retail/credit cards, negative CPI-linker impact on NIM (~-40 bps), and regulatory/macroprudential uncertainty that could constrain future growth or fees. Management’s guidance is conservative (NIM +75 bps guidance, TL loan growth 30–35% in 2026, cost-of-risk 2–2.5%) and aims for mid-single-digit positive real ROE in 2026. On balance, the positive operating momentum, capital strength and fee diversification outweigh the near-term headwinds and one-offs.View all TKGZY earnings summariesTechnical Analysis
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