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Yapi ve Kredi Bankasi A.S. (TR:YKBNK)
:YKBNK
Turkey Market
YKBNK
Yapi ve Kredi Bankasi A.S.
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Yapi ve Kredi Bankasi A.S. (YKBNK) Ratios

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Yapi ve Kredi Bankasi A.S. Ratios

TR:YKBNK's free cash flow for Q2 2026 was ₺0.96. For the 2026 fiscal year, TR:YKBNK's free cash flow was decreased by ₺ and operating cash flow was ₺0.27. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.25 0.28 0.32 0.41 0.26
Quick Ratio
 1.25 0.28 0.32 0.41 0.26
Cash Ratio
 1.25 0.33 0.30 0.40 0.24
Solvency Ratio
 0.02 0.02 0.01 0.04 0.05
Operating Cash Flow Ratio
 0.13 -0.01 0.02 0.06 0.05
Short-Term Operating Cash Flow Coverage
 0.13 -0.07 0.08 0.00 0.00
Net Current Asset Value
₺ -3.14T₺ -2.71T₺ -1.86T₺ -1.34T₺ -850.95B
Leverage Ratios
Debt-to-Assets Ratio
 0.30 0.27 0.29 0.19 0.19
Debt-to-Equity Ratio
 4.14 3.77 3.83 2.02 1.78
Debt-to-Capital Ratio
 0.81 0.79 0.79 0.67 0.64
Long-Term Debt-to-Capital Ratio
 0.72 0.71 0.40 0.67 0.64
Financial Leverage Ratio
 13.93 13.78 13.25 10.42 9.38
Debt Service Coverage Ratio
 0.06 0.07 0.04 0.45 1.00
Interest Coverage Ratio
 0.16 0.14 0.09 0.55 1.28
Debt to Market Cap
 3.94 3.13 2.20 2.19 2.26
Interest Debt Per Share
 197.67 168.22 133.59 61.00 33.05
Net Debt to EBITDA
 7.70 4.53 7.09 0.31 0.43
Profitability Margins
Gross Profit Margin
42.12%34.30%27.78%50.50%68.09%
EBIT Margin
12.26%9.38%6.24%27.41%40.86%
EBITDA Margin
12.63%10.03%6.78%27.97%41.51%
Operating Profit Margin
12.43%9.38%6.24%27.41%40.86%
Pretax Profit Margin
12.34%9.38%6.24%27.41%40.86%
Net Profit Margin
8.64%6.77%5.37%21.93%31.14%
Continuous Operations Profit Margin
8.56%6.77%5.37%21.93%31.14%
Net Income Per EBT
70.06%72.16%86.12%79.98%76.23%
EBT Per EBIT
99.29%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.39%1.34%1.14%3.65%4.45%
Return on Equity (ROE)
21.00%18.42%15.05%38.02%41.77%
Return on Capital Employed (ROCE)
2.25%4.17%3.51%8.33%17.87%
Return on Invested Capital (ROIC)
1.38%2.48%2.07%4.72%-15.33%
Return on Tangible Assets
1.39%1.34%1.14%3.65%4.46%
Earnings Yield
18.49%15.39%11.22%41.20%52.87%
Efficiency Ratios
Receivables Turnover
 137.84 18.89 22.15 24.23 13.57
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 13.07 15.65 17.46 16.43 16.75
Asset Turnover
 0.16 0.20 0.21 0.17 0.14
Working Capital Turnover Ratio
 6.54 -0.56 -0.68 -0.57 -0.35
Cash Conversion Cycle
 2.65 19.33 16.48 15.07 26.90
Days of Sales Outstanding
 2.65 19.33 16.48 15.07 26.90
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 2.65 19.33 16.48 15.07 26.90
Cash Flow Ratios
Operating Cash Flow Per Share
 6.79 -2.87 4.18 6.25 4.76
Free Cash Flow Per Share
 5.94 -3.61 3.60 18.68 4.57
CapEx Per Share
 0.84 0.74 0.58 0.34 0.19
Free Cash Flow to Operating Cash Flow
 0.88 1.26 0.86 2.99 0.96
Dividend Paid and CapEx Coverage Ratio
 8.03 -3.89 2.33 4.91 15.38
Capital Expenditure Coverage Ratio
 8.03 -3.89 7.15 18.62 24.92
Operating Cash Flow Coverage Ratio
 0.05 -0.03 0.05 0.15 0.18
Operating Cash Flow to Sales Ratio
 0.09 -0.03 0.07 0.17 0.24
Free Cash Flow Yield
16.76%-9.97%11.75%95.59%38.67%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 5.41 6.50 8.90 2.43 1.89
Price-to-Sales (P/S) Ratio
 0.47 0.44 0.48 0.53 0.59
Price-to-Book (P/B) Ratio
 1.04 1.20 1.34 0.92 0.79
Price-to-Free Cash Flow (P/FCF) Ratio
 5.96 -10.03 8.51 1.05 2.59
Price-to-Operating Cash Flow Ratio
 5.22 -12.61 7.32 3.13 2.48
Price-to-Earnings Growth (PEG) Ratio
 0.09 0.11 -0.16 0.08 <0.01
Enterprise Value Multiple
 11.40 8.91 14.15 2.21 1.85
Enterprise Value
 922.10B 622.14B 518.13B 191.89B 130.31B
EV to EBITDA
 11.40 8.91 14.15 2.21 1.85
EV to Sales
 1.44 0.89 0.96 0.62 0.77
EV to Free Cash Flow
 18.37 -20.40 17.06 1.22 3.38
EV to Operating Cash Flow
 16.09 -25.65 14.67 3.63 3.24
Tangible Book Value Per Share
 33.20 29.61 22.42 20.94 14.79
Shareholders’ Equity Per Share
 33.92 30.26 22.83 21.18 14.95
Tax and Other Ratios
Effective Tax Rate
 0.31 0.28 0.14 0.20 0.24
Revenue Per Share
 75.81 82.36 63.93 36.72 20.05
Net Income Per Share
 6.55 5.57 3.44 8.05 6.24
Tax Burden
 0.70 0.72 0.86 0.80 0.76
Interest Burden
 1.01 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.06 <0.01 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 1.04 -0.52 0.00 0.78 0.76
Currency in TRY