Turkiye Garanti Bankasi Anonim Sirketi 144A stock analysis
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Turkiye Garanti Bankasi Anonim Sirketi 144A (TKGZY) Stock Price & Analysis
TKGZY Stock Chart & Stats
- Day’s Range
- $3.08 - $3.08
- 52-Week Range
- $2.49 - $3.80
- Previous Close
- $3.09
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- $12.99B
- Enterprise Value
- $7.75B
- Total Cash (Recent Filing)
- $567.44B
- Total Debt (Recent Filing)
- $553.49B
- Price to Earnings (P/E)
- 5.3
- Beta
- 0.45
- Next Earnings
- Feb 03, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Apr 08, 2026
- Dividend Yield
- 20.91%
Bulls Say, Bears Say
Bulls Say
Strong Profitability
Strong earnings and high ROE indicate that Garanti BBVA is converting its banking franchise into substantial shareholder returns. If net interest income and fee growth remain supportive, this profitability provides capacity to strengthen capital, invest in technology, and absorb elevated credit costs.
Fee And Margin Momentum
Growth in both net interest income and fees gives the bank a more diversified revenue base than reliance on lending spreads alone. Improving funding conditions, disciplined pricing, and payment-related fees can support earnings resilience as interest-rate conditions evolve over the next several quarters.
Capital And Liquidity Strength
Robust capital ratios and reported excess capital provide a meaningful buffer against loan losses and macroeconomic volatility. Combined with a broad deposit base and a foreign-currency liquidity buffer, this supports continued lending, regulatory resilience, and financial flexibility.
Bears Say
Rising Credit Risk
The increase in Stage-2 exposure signals broader early-stage credit deterioration, even though much of the portfolio remains nondelinquent. Higher provisioning and lower coverage can pressure future earnings and capital generation if these exposures migrate into non-performing loans.
Retail And SME Asset-quality Pressure
Concentrated NPL inflows in consumer and card lending, alongside pressure in SMEs, create a persistent asset-quality challenge for a bank serving these segments. Higher rates can weaken repayment capacity, prolong normalization, and offset otherwise solid revenue and fee performance.
Weak Recent Cash Generation
Negative recent operating and free cash flow indicate that reported net income is not currently translating into supportive cash generation. For a bank, this increases sensitivity to funding and liquidity conditions and may constrain flexibility if outflows persist alongside credit losses or balance-sheet growth.
Turkiye Garanti Bankasi Anonim Sirketi 144A News
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Company Description
Turkiye Garanti Bankasi Anonim Sirketi 144A
Established in Istanbul, Turkey, in 1946, Turkiye Garanti Bankasi A.S. delivers a full spectrum of banking and financial services. Its offerings include a diverse range of deposit accounts, from standard current and savings options to time, structured, ELMA, and gold deposits. The bank caters to both individual and corporate clients with a wide array of lending products, encompassing personal loans (such as general purpose, auto, mortgage, and housing), business financing (like SME project, working capital, and foreign currency loans), along with revolving credit and discount facilities. Furthermore, it provides essential financial instruments like overdraft accounts, spot TL/foreign currency transactions, and letters of guarantee. Beyond traditional banking, Turkiye Garanti issues various payment cards and offers extensive insurance solutions, spanning auto, health, life, property, and specialized business coverage, complemented by pension products. Investors can access a robust suite of capital market services, including mutual funds, government bonds, Eurobonds, equities, repos, and derivative transactions, supported by e-trading platforms and taxation guidance. The institution also specializes in services for businesses, offering cash management solutions, tailored SME support packages, foreign trade financing, and regulatory advice. Its broader service portfolio extends to leasing, factoring, fleet management, investment and private banking, payment solutions, and safe deposit boxes. Emphasizing accessibility, Turkiye Garanti provides robust internet and mobile/SMS banking services. With a significant physical presence, the bank operated 872 branches and 5,401 ATMs as of December 31, 2021. Since May 18, 2022, Turkiye Garanti Bankasi A.S. has functioned as a subsidiary of Banco Bilbao Vizcaya Argentaria, S.A.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Mahmut Akten
- Employees
- 19,521
- Website
- www.garantibbva.com.tr
- Address
- Levent Nispetiye Mah.Aytar Cad., Istanbul, 34340, TR
Turkiye Garanti Bankasi Anonim Sirketi 144A (TKGZY) Earnings & Revenues
TKGZY Company Deck
TKGZY Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive. Garanti BBVA reported strong net income growth, a 27.5% ROE, improving NIM, sustained fee momentum, better-than-expected operating expense performance, market-share gains and robust capital and liquidity buffers. These strengths were partly offset by higher cost of risk, rising Stage-2 exposures and NPL inflows in retail and SME segments, persistent inflation and the loss of the real ROE target. Management remained confident in delivering its nominal ROE, revenue, margin and cost guidance.
View all TKGZY earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 1 | 6 |
| Technical Analysis | 3 | 1 | 6 |
| Moving Averages | 12 | 0 | 0 |













