Education
About Us
Working with TipRanks
Follow Us
Turkiye Garanti Bankasi Anonim Sirketi 144A (TKGZY)
OTHER OTC:TKGZY
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$2.59 - $3.92
Previous CloseN/A
Volume1.00
Average Volume (3M)0.00
Market Cap
$15.43B
Enterprise Value$1.23T
Total Cash (Recent Filing)$31.82B
Total Debt (Recent Filing)$431.79B
Price to Earnings (P/E)5.6
Beta0.45
Next Earnings
Apr 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield19.08%
Share Statistics
EPS (TTM)0.15
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 Cap79.38
Enterprise Value/Revenue2.06
Enterprise Value/Gross Profit3.99
Enterprise Value/Ebitda15.30
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
Strong Revenue And ProfitabilityConsistent top-line growth and high reported ROE indicate durable earnings power across cycles. Robust core revenues and sustained profitability support internal capital generation and reinvestment, strengthening competitive position and allowing buffer against macro shocks.
Fee Diversification & Payment LeadershipRapid fee growth and market leadership in payments create a sticky, non‑interest income stream that reduces sensitivity to NIM swings. A diversified fee mix (payments, insurance, asset management) enhances revenue stability and helps fund customer‑acquisition and digital investments long term.
Capital And Liquidity StrengthStrong capital ratios, material excess capital and a sizeable FX liquidity buffer provide structural resilience. This supports sustained loan growth targets, cushions provisioning shocks, and reduces refinancing risk in a volatile macro environment, preserving strategic optionality.
Bears Say
Weak Cash GenerationPersistent negative free cash flow and volatile operating cash flow suggest reported profits are not reliably converting to cash. This weakens funding self-sufficiency, raises reliance on external financing, and undermines the durability of dividends and capital returns under stress.
Asset-quality Pressure In Retail/credit CardsRising NPLs concentrated in retail and card portfolios and modest stage‑2 coverage increase the risk of elevated provisions. Continued consumer stress or slower recoveries may compress margins and require additional capital, making earnings and ROE more cyclical going forward.
High Operating Costs & Regulatory UncertaintyStructural OpEx expansion (salaries, customer acquisition) outpacing revenues can erode long‑term efficiency and ROE. Combined with regulatory and macroprudential constraints (loan caps, interchange limits), elevated costs may be harder to recoup, limiting sustainable profitability.
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 $2.59 and its highest was $3.92 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 $15.43B.
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 Apr 29, 2026 which is in 64 days.
How were Turkiye Garanti Bankasi Anonim Sirketi 144A’s earnings last quarter?
Turkiye Garanti Bankasi Anonim Sirketi 144A released its earnings results on Feb 04, 2026. The company reported $0.149 earnings per share for the quarter, beating the consensus estimate of N/A by $0.149.
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 $0.149 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.134%.
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
Neutral
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
30.76%
Trailing 12-Months
Asset Growth
20.20%
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
Q4 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
Banco De Chile
―
Banco Santander Brasil
―
Banco Santander Chile
―
Grupo Cibest
―
Woori Finance Holdings Co
―