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Turkiye Garanti Bankasi A.S.

TKGBY
76
Banks - Regional · Financial Services
Price
$2.72
+0.00 (+0.00%)
Market Cap
$11.42B
Exchange
Other OTC
Winston Score
76
Winston is happy
A high-quality business with solid fundamentals.
Data as of Sep 12, 2026 · filings through Jun 30, 2026

§How the score breaks down

Growth
Strong
Valuation
Strong
Dividends
Exceptional
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§Winston Score History

The full picture

Türkiye Garanti Bankası is one of the largest private banks in Turkey. It offers everyday banking services like savings accounts, loans, credit cards, and investment products to individuals and businesses. Spain's BBVA owns a majority stake, making Garanti one of the most internationally connected banks in the Turkish market.

The bank earns money mainly from the interest it charges on loans minus what it pays depositors, along with fees from services like payments and insurance. It operates an extensive branch and digital banking network across Turkey and has a reputation for strong technology and risk management relative to local peers. Key growth opportunities include expanding digital banking adoption and serving Turkey's large, relatively young population, but the main risk remains Turkey's volatile macroeconomic environment, including high inflation and currency depreciation, which can pressure earnings and asset quality.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+23.6% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+8.7% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

0 TRY/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

86.0%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

4.1T TRY cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Turkiye Garanti Bankasi A.S. is a rare growth stock that's already generating positive cash flow while growing at 24%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 4.20B (2021) → 4.20B (2025)

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
+89.6%
Fast-growing sales (+89.6% YoY)
Profit growth
EPS YoY
+20.8%
Earnings growing fast (+20.8% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
6/8 quarters
Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
4.7x
Attractive valuation — P/E 4.7

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
+0.2
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
4.32%
Healthy income — 4.32% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record
Dividend Growth
+95.0%
Dividend growing fast (95.0% YoY)

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