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Albaraka Türk Katilim Bankasi A.S. (ALBRK.IS)

TRY7.95 +0.18 (+2.32%)
TR IST Financial Services Banks - Regional
Address Saray Mahallesi 34768
Ümraniye, TR
CEO Malek Khodr Temsah
IPO 2007-06-29
ISIN TREALBK00011

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Description

Albaraka Türk Katilim Bankasi A.S., established in 1984 and headquartered in Ümraniye, Turkey, offers a comprehensive range of banking and financial solutions. Its diverse product portfolio encompasses various deposit accounts, including profit-sharing, current, foreign currency, gold participation, housing, marriage, pilgrimage (Hajj/Umrah), and bill payment options. The bank provides an extensive array of financing products catering to needs such as housing, vehicle acquisition, rent, timeshare properties, Hajj and Umrah journeys, dental health, education, dormitory expenses, wedding organization, natural gas conversion, and land and workplace purchases, alongside Sukuk-backed funding. Customers also have access to credit, business, and debit cards, as well as private pension schemes. Albaraka Türk delivers a broad spectrum of insurance coverage, including personal accident, education, vehicle, critical illness, health, travel health, agricultural, fire, yacht and boat, natural disaster, traffic, employer financial liability, electronic device, construction and leasing all-risk, installment, cash and assets, highway transportation liability, and compulsory highway transportation financial liability policies. Beyond these, the company facilitates essential services like bill payments, money transfers, safe deposit boxes, and finance leasing. For its corporate clientele, offerings extend to cash credits such as corporate finance support, export and project financing, dealer funding, credit guarantee funds, and invoice credit. Non-cash credit facilities include letters of guarantee and credit, acceptance credit, and reference letters. Cash management solutions streamline operations through direct debiting, fuel management, supplier payment systems, checks and promissory notes, POS and member merchant services, and accounting integration. Furthermore, the bank supports foreign trade transactions and ensures convenient access to services via its internet, mobile, phone, and ATM banking platforms. As of December 31, 2021, Albaraka Türk Katilim Bankasi A.S. operated 229 domestic branches and 2 foreign branches within Turkey.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
TRY7.95 +0.18 (+2.32%)
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Volume Profile
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Liquidity & share structure
Average Volume
24M
Beta
0.73
Float Shares
1.17B
Free Float %
46.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.75% -0.25% -5.59% -13.22% -0.38% +1.02% +18.51% +210.16% +399.37% +512.81% +496.57%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
7.95
DCF (Unlevered) 248.24 +3,022.5%
DCF (Levered) 391.38 +4,823.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 67% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 2 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.22
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +480.7% Q1'26: +685.4% (vs Q1'25)
  • EPS growth
    +191.8% Q1'26: -83.4% (vs Q1'25)
  • FCF margin
    Q1'26: +1.9% (vs Q1'25)
  • EBIT margin
    Q1'26: +6.1% (vs Q1'25)
  • ROIC
    Q1'26: +5.7% (vs Q1'25)
  • Share dilution
    +0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 20.72× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.82) × ERP
WACC = 12% × Ke + 88% × Kd (39.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 248.24 Current price: 7.95
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Revenue
3.03B
est: 1.15B (+163.5%)
3.47B
est: 1.30B (+167.3%)
4.23B
est: 1.55B (+172.0%)
4.70B
est: 2.15B (+118.2%)
1.64B
est: 1.74B (-6.0%)
2.42B
est: 2.77B (-12.5%)
3.35B
est: 2.82B (+18.7%)
9.73B
est: 8.91B (+9.2%)
17.05B
est: 9.69B (+76.0%)
16.99B
est: 16.03B (+6.0%)
98.68B
est: 98.68B (+0.0%)
166.51B
166.51B – 166.51B
+68.7% YoY
EBITDA
433.41M
est: 362.30M (+19.6%)
330.00M
est: 408.37M (-19.2%)
378.05M
est: 489.48M (-22.8%)
266.69M
est: 678.46M (-60.7%)
241.88M
est: 548.84M (-55.9%)
514.92M
est: 871.59M (-40.9%)
1.08B
est: 887.33M (+21.8%)
3.04B
est: 2.80B (+8.3%)
6.22B
est: 3.05B (+103.8%)
6.15B
est: 4.88B (+26.0%)
15.87B
est: 30.05B (-47.2%)
50.70B
50.70B – 50.70B
+68.7% YoY
EBIT
374.25M
est: 319.38M (+17.2%)
265.92M
est: 359.99M (-26.1%)
317.20M
est: 431.50M (-26.5%)
209.92M
est: 598.09M (-64.9%)
124.46M
est: 483.82M (-74.3%)
384.89M
est: 768.34M (-49.9%)
929.80M
est: 782.22M (+18.9%)
2.82B
est: 2.47B (+13.9%)
5.84B
est: 2.69B (+117.1%)
5.43B
est: 4.43B (+22.3%)
15.23B
est: 27.30B (-44.2%)
46.07B
46.07B – 46.07B
+68.7% YoY
Net Income
300.84M
est: 565.00M (-46.8%)
219.61M
est: 495.70M (-55.7%)
250.24M
est: 445.15M (-43.8%)
158.01M
est: 602.33M (-73.8%)
90.05M
est: 401.23M (-77.6%)
302.30M
est: 316.28M (-4.4%)
332.84M
est: 258.10M (+29.0%)
1.70B
est: 348.23M (+387.9%)
3.97B
est: 3.27B (+21.5%)
5.16B
est: 5.13B (+0.6%)
15.02B
est: 6.91B (+117.2%)
6.95B
6.95B – 6.95B
+0.6% YoY
SGA
28.48M
est: 22.71M (+25.4%)
41.26M
est: 25.60M (+61.2%)
60.88M
est: 30.69M (+98.4%)
64.08M
est: 42.54M (+50.6%)
56.96M
est: 34.41M (+65.5%)
53.45M
est: 54.64M (-2.2%)
65.15M
est: 55.63M (+17.1%)
119.84M
est: 175.82M (-31.8%)
213.38M
est: 191.27M (+11.6%)
549.35M
est: 478.62M (+14.8%)
7.17B
est: 2.95B (+143.4%)
4.97B
4.97B – 4.97B
+68.7% YoY
EPS
0.24
est: 0.23 (+6.2%)
0.17
est: 0.20 (-14.3%)
0.20
est: 0.18 (+12.3%)
0.14
est: 0.24 (-41.9%)
0.08
est: 0.16 (-50.5%)
0.18
est: 0.13 (+42.3%)
0.25
est: 0.10 (+142.2%)
0.84
est: 0.14 (+503.1%)
1.59
est: 1.31 (+21.7%)
2.06
est: 2.05 (+0.4%)
6.01
est: 2.77 (+117.3%)
2.78
2.78 – 2.78
+0.6% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-26 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-05-25 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-05-22 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-05-21 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-05-20 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-05-18 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-05-15 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-05-14 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-05-13 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-05-12 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-05-11 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5
2026-05-08 A- 4/5 1/5 5/5 5/5 1/5 5/5 4/5
2026-05-07 A- 4/5 1/5 5/5 5/5 1/5 5/5 4/5
2026-05-06 A- 4/5 1/5 5/5 5/5 1/5 5/5 4/5
2026-05-05 A- 4/5 1/5 5/5 5/5 1/5 5/5 4/5
2026-05-04 A- 4/5 1/5 5/5 5/5 1/5 5/5 4/5
2026-04-30 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5
2026-04-29 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5
2026-04-28 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5
2026-04-27 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5
2026-04-24 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5
2026-04-22 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5
2026-04-21 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5
2026-04-20 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5
2026-04-17 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5
2026-04-16 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
5.13B
OE per share TTM
2.06
Owner's Yield
25.83%
Maintenance CapEx ratio
183.67%
Maint CapEx / Avg PPE
16.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 28 ETFs in our universe

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
5.39M
Shares Outstanding
2.50B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Ahmet Faruk Degirmenci Head of Internal Control male
Ahmet Koç President of Legislation & Compliance male
Ahmet Uysal Chairman of the Internal Audit Department male
Erdal Sezer Acting Head of Risk Management male
Malek Khodr Temsah GM & Director male
Mehmet Emin Çonkar Assistant General Manager of Credit Monitoring & Legal Follow-up male
Muzaffer Colmek Assistant General Manager of Information Technologies & Operations male
Onder Cinar Assistant General Manager of Credits male
Serhan Yildirim Assistant General Manager of Treasury & International Banking male
Seyfullah Demirlek Investor Relations Manager male
Turgut Simitcioglu Deputy General Manager of Finance & Human Values male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits