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Turkiye Garanti Bankasi A.S. (GARAN.IS)
Istanbul, TR
Turkiye Garanti Bankasi A.S. offers a comprehensive array of financial products and services. Its offerings include diverse account types such as checking, savings, time deposits, structured deposits, and specialized gold accounts. The bank also provides a wide range of credit solutions, spanning consumer loans (general purpose, auto, home, revolving), business financing (SME project, working capital, installment, foreign currency), and mortgage facilities. Furthermore, it facilitates spot Turkish Lira and foreign currency transactions, issues letters of guarantee, and manages overdraft facilities. In addition to a variety of card products, the institution offers an extensive portfolio of insurance solutions, including coverage for automobiles, liability, health, unemployment, life, homeowners, personal accident, commercial property, fire, freight, engineering risks, and agricultural ventures, alongside various pension schemes. Its investment services encompass mutual funds, government securities (T-bills and bonds), Eurobonds, repurchase agreements (repos), equity trading, dual currency deposit options, access to the Turkish derivatives market, e-trader platforms, forward contracts, and tax-related services. The bank also delivers cash management solutions and tailored products for Small and Medium-sized Enterprises (SMEs), including support packages, foreign trade financing, and regulatory assistance. Moreover, its comprehensive suite of services extends to leasing, fleet management, factoring, investment and private banking, various payment solutions, safe deposit boxes, and modern digital banking channels like internet and mobile/SMS banking. Established in Istanbul, Turkey, in 1946, Turkiye Garanti Bankasi A.S. is headquartered in the same city. As of December 31, 2021, the bank's operational network comprised 872 branches and 5,401 automated teller machines (ATMs). Since May 18, 2022, it has operated as a subsidiary of Banco Bilbao Vizcaya Argentaria, S.A.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.84% | -0.08% | -8.15% | -23.24% | -11.52% | -14.36% | +16.05% | +344.65% | +1,438.17% | +1,523.51% | +64,684,110.53% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 3 | 0 |
| Buy | 10 | 0 |
| Hold | 3 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+55.4% Q1'26: +34.4% (vs Q1'25)
-
EPS growth+20.4% Q1'26: +31.9% (vs Q1'25)
-
FCF margin— Q1'26: +22.4% (vs Q1'25)
-
EBIT margin— Q1'26: +15.4% (vs Q1'25)
-
ROIC— Q1'26: +30.3% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.83× (vs Q1'25)
* 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.
| 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 4 Rev. Ana. 3 EPS Ana. |
Dec 2027 4 Rev. Ana. 4 EPS Ana. |
Dec 2028 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
22.59B
est: 12.60B (+79.4%)
|
27.27B
est: 15.35B (+77.7%)
|
32.32B
est: 17.57B (+83.9%)
|
48.69B
est: 25.33B (+92.2%)
|
52.18B
est: 26.13B (+99.7%)
|
53.19B
est: 32.90B (+61.7%)
|
85.59B
est: 43.28B (+97.8%)
|
177.72B
est: 108.64B (+63.6%)
|
346.52B
est: 197.56B (+75.4%)
|
701.67B
est: 244.46B (+187.0%)
|
1.09T
est: 349.52B (+211.9%)
|
505.91B
476.68B – 552.38B
+44.7% YoY
|
647.19B
607.50B – 701.00B
+27.9% YoY
|
777.64B
755.84B – 799.43B
+20.2% YoY
|
| EBITDA |
4.95B
est: 3.41B (+45.0%)
|
6.83B
est: 4.16B (+64.4%)
|
8.74B
est: 4.76B (+83.8%)
|
9.22B
est: 6.86B (+34.5%)
|
9.04B
est: 7.08B (+27.8%)
|
10.11B
est: 8.91B (+13.5%)
|
19.35B
est: 11.72B (+65.2%)
|
78.23B
est: 29.41B (+166.0%)
|
109.31B
est: 51.80B (+111.0%)
|
127.64B
est: 64.10B (+99.1%)
|
160.63B
est: 91.64B (+75.3%)
|
132.65B
124.99B – 144.83B
+44.7% YoY
|
169.69B
159.29B – 183.80B
+27.9% YoY
|
203.90B
198.18B – 209.61B
+20.2% YoY
|
| EBIT |
4.66B
est: 3.29B (+41.5%)
|
6.49B
est: 4.01B (+61.8%)
|
8.35B
est: 4.59B (+81.8%)
|
8.75B
est: 6.62B (+32.2%)
|
8.17B
est: 6.83B (+19.6%)
|
9.21B
est: 8.60B (+7.1%)
|
18.41B
est: 11.31B (+62.7%)
|
76.99B
est: 28.40B (+171.1%)
|
107.06B
est: 50.40B (+112.4%)
|
123.93B
est: 62.36B (+98.7%)
|
154.31B
est: 89.16B (+73.1%)
|
129.05B
121.59B – 140.90B
+44.7% YoY
|
165.09B
154.97B – 178.82B
+27.9% YoY
|
198.36B
192.80B – 203.92B
+20.2% YoY
|
| Net Income |
3.58B
est: 3.55B (+0.9%)
|
5.11B
est: 4.93B (+3.6%)
|
6.33B
est: 6.36B (-0.5%)
|
6.64B
est: 6.73B (-1.4%)
|
6.16B
est: 6.33B (-2.5%)
|
6.31B
est: 6.65B (-5.2%)
|
13.47B
est: 13.14B (+2.5%)
|
58.29B
est: 54.20B (+7.5%)
|
86.37B
est: 96.95B (-10.9%)
|
91.24B
est: 100.03B (-8.8%)
|
109.82B
est: 117.90B (-6.9%)
|
144.79B
135.48B – 173.65B
+22.8% YoY
|
198.06B
193.79B – 209.87B
+36.8% YoY
|
225.73B
208.11B – 285.55B
+14.0% YoY
|
| SGA |
144.76M
est: 45.39M (+218.9%)
|
191.22M
est: 55.32M (+245.7%)
|
202.21M
est: 63.34M (+219.3%)
|
225.28M
est: 91.28M (+146.8%)
|
183.42M
est: 94.18M (+94.8%)
|
172.00M
est: 118.58M (+45.0%)
|
271.05M
est: 155.97M (+73.8%)
|
472.76M
est: 391.53M (+20.7%)
|
1.28B
est: 816.81M (+56.3%)
|
3.70B
est: 1.01B (+266.2%)
|
6.42B
est: 1.45B (+344.0%)
|
2.09B
1.97B – 2.28B
+44.7% YoY
|
2.68B
2.51B – 2.90B
+27.9% YoY
|
3.22B
3.12B – 3.31B
+20.2% YoY
|
| EPS |
0.85
est: 0.84 (+0.6%)
|
1.19
est: 1.17 (+1.4%)
|
1.51
est: 1.51 (-0.3%)
|
1.58
est: 1.60 (-1.5%)
|
1.47
est: 1.51 (-2.4%)
|
1.50
est: 1.58 (-5.3%)
|
3.21
est: 3.13 (+2.6%)
|
13.88
est: 12.90 (+7.6%)
|
20.57
est: 23.08 (-10.9%)
|
21.72
est: 22.57 (-3.7%)
|
26.15
est: 26.93 (-2.9%)
|
35.78
32.26 – 41.35
+32.8% YoY
|
48.05
46.14 – 49.97
+34.3% YoY
|
58.77
49.55 – 67.99
+22.3% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-26 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-25 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-22 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-21 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-20 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-18 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-05-15 | A | 4/5 | 5/5 | 5/5 | 4/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-14 | A | 4/5 | 5/5 | 5/5 | 4/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-13 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-12 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-11 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-08 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-07 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-06 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-05 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-05-04 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-30 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-29 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Cambria Global Value ETF GVAL | 0.62% | 3.33M | 0.66% |
| 2 | Sophus Capital Emerging Market ETF EMEM | 0.47% | 284.4K | 0.65% |
| 3 | iShares Emerging Markets Equity Factor ETF EMGF | 0.10% | 1.91M | 0.26% |
| 4 | Fidelity Emerging Markets Equity Research Enhanced UCITS ETF ACC-USD FEMR.L | 0.08% | 3.68M | 0.30% |
| 5 | WisdomTree True Emerging Markets Fund XC | 0.07% | 54.8K | 0.32% |
| 6 | JPMorgan Diversified Return Emerging Markets Equity ETF JPEM | 0.05% | 186.9K | 0.44% |
| 7 | HSBC Emerging Market Screened Equity UCITS ETF HSEM.L | 0.04% | 107.9K | 0.18% |
| 8 | Franklin Emerging Market Core Dividend Tilt Index ETF DIEM | 0.03% | 24.9K | 0.19% |
| 9 | iShares Global Equity Factor ETF GLOF | 0.03% | 69.2K | 0.20% |
| 10 | WisdomTree Emerging Markets ex-State-Owned Enterprises Fund XSOE | 0.03% | 642.6K | 0.32% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Cemal Onaran | Executive Vice President of Commercial Banking | — | male |
| Ceyda Akinç | Head of Investor Relations | — | female |
| Hakan Özdemir | Financial Reporting & Accounting Director | — | — |
| Kemal Atil Özus | Executive Vice President of Finance and Treasury | — | male |
| Mahmut Akten | Chief Executive Officer & Director | — | male |
| Osman Bahri Turgut | Head of Internal Audit & Chief Audit Executive | — | male |
| Ozlem Oner Ernart | Head of Risk Management | — | female |
| Sinem Edige | Executive Vice President of Corporation, Investment Banking & Global Markets | — | female |
| Teoman Alponat | Senior Vice President of Retail Collections | — | — |
| Vahan Uckardes | Senior Vice President of Financial Planning & Analysis | — | — |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for GARAN.IS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
