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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Equity to Asset 0.11
TKGBY's Equity to Asset is ranked higher than
56% of the 1290 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. TKGBY: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
TKGBY' s 10-Year Equity to Asset Range
Min: 0.1  Med: 0.11 Max: 0.12
Current: 0.11
0.1
0.12
Interest Coverage 0.59
TKGBY's Interest Coverage is ranked lower than
76% of the 1205 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.69 vs. TKGBY: 0.59 )
Ranked among companies with meaningful Interest Coverage only.
TKGBY' s 10-Year Interest Coverage Range
Min: 0.58  Med: 10000.00 Max: 9999.99
Current: 0.59
0.58
9999.99
F-Score: 3
WACC vs ROIC
14.50%
9.27%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 46.26
TKGBY's Operating margin (%) is ranked higher than
83% of the 1357 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 29.54 vs. TKGBY: 46.26 )
Ranked among companies with meaningful Operating margin (%) only.
TKGBY' s 10-Year Operating margin (%) Range
Min: 47.18  Med: 49.59 Max: 53.51
Current: 46.26
47.18
53.51
Net-margin (%) 35.37
TKGBY's Net-margin (%) is ranked higher than
83% of the 1356 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 21.24 vs. TKGBY: 35.37 )
Ranked among companies with meaningful Net-margin (%) only.
TKGBY' s 10-Year Net-margin (%) Range
Min: 36.03  Med: 38.00 Max: 41.68
Current: 35.37
36.03
41.68
ROE (%) 22.58
TKGBY's ROE (%) is ranked higher than
94% of the 1355 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.13 vs. TKGBY: 22.58 )
Ranked among companies with meaningful ROE (%) only.
TKGBY' s 10-Year ROE (%) Range
Min: 14.82  Med: 22.27 Max: 40.5
Current: 22.58
14.82
40.5
ROA (%) 2.38
TKGBY's ROA (%) is ranked higher than
91% of the 1364 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.80 vs. TKGBY: 2.38 )
Ranked among companies with meaningful ROA (%) only.
TKGBY' s 10-Year ROA (%) Range
Min: 1.56  Med: 2.22 Max: 3.62
Current: 2.38
1.56
3.62
ROC (Joel Greenblatt) (%) 465.46
TKGBY's ROC (Joel Greenblatt) (%) is ranked higher than
91% of the 1348 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 74.52 vs. TKGBY: 465.46 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
TKGBY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 201.6  Med: 305.91 Max: 390.78
Current: 465.46
201.6
390.78
Revenue Growth (3Y)(%) 8.10
TKGBY's Revenue Growth (3Y)(%) is ranked higher than
75% of the 1149 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.70 vs. TKGBY: 8.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TKGBY' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 0.00 Max: 8.1
Current: 8.1
0
8.1
EBITDA Growth (3Y)(%) 4.00
TKGBY's EBITDA Growth (3Y)(%) is ranked lower than
59% of the 1011 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.10 vs. TKGBY: 4.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TKGBY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -9.9  Med: 3.50 Max: 20.3
Current: 4
-9.9
20.3
EPS Growth (3Y)(%) 2.90
TKGBY's EPS Growth (3Y)(%) is ranked lower than
65% of the 1020 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 9.20 vs. TKGBY: 2.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TKGBY' s 10-Year EPS Growth (3Y)(%) Range
Min: -43.9  Med: 2.20 Max: 9.7
Current: 2.9
-43.9
9.7
» TKGBY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

TKGBY Guru Trades in Q2 2014

Ken Fisher 423,520 sh (+13.97%)
» More
Q3 2014

TKGBY Guru Trades in Q3 2014

Ken Fisher 389,355 sh (-8.07%)
» More
Q4 2014

TKGBY Guru Trades in Q4 2014

Ken Fisher 387,060 sh (-0.59%)
» More
Q1 2015

TKGBY Guru Trades in Q1 2015

Ken Fisher 387,060 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with TKGBY

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 9.48
TKGBY's P/E(ttm) is ranked higher than
76% of the 1244 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.30 vs. TKGBY: 9.48 )
Ranked among companies with meaningful P/E(ttm) only.
TKGBY' s 10-Year P/E(ttm) Range
Min: 9.27  Med: 13.89 Max: 22.22
Current: 9.48
9.27
22.22
Forward P/E 8.29
TKGBY's Forward P/E is ranked higher than
79% of the 750 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.38 vs. TKGBY: 8.29 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.10
TKGBY's PE(NRI) is ranked higher than
76% of the 1217 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.30 vs. TKGBY: 10.10 )
Ranked among companies with meaningful PE(NRI) only.
TKGBY' s 10-Year PE(NRI) Range
Min: 9.41  Med: 17.41 Max: 22.22
Current: 10.1
9.41
22.22
P/B 1.30
TKGBY's P/B is ranked lower than
68% of the 1351 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.12 vs. TKGBY: 1.30 )
Ranked among companies with meaningful P/B only.
TKGBY' s 10-Year P/B Range
Min: 1.31  Med: 2.72 Max: 4.14
Current: 1.3
1.31
4.14
P/S 3.39
TKGBY's P/S is ranked lower than
64% of the 1422 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.99 vs. TKGBY: 3.39 )
Ranked among companies with meaningful P/S only.
TKGBY' s 10-Year P/S Range
Min: 3.37  Med: 6.97 Max: 9.31
Current: 3.39
3.37
9.31
PFCF 22.48
TKGBY's PFCF is ranked lower than
80% of the 825 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.60 vs. TKGBY: 22.48 )
Ranked among companies with meaningful PFCF only.
TKGBY' s 10-Year PFCF Range
Min: 22.55  Med: 23.68 Max: 27.46
Current: 22.48
22.55
27.46
POCF 18.51
TKGBY's POCF is ranked lower than
80% of the 930 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 10.17 vs. TKGBY: 18.51 )
Ranked among companies with meaningful POCF only.
TKGBY' s 10-Year POCF Range
Min: 18.57  Med: 150.00 Max: 182.5
Current: 18.51
18.57
182.5
EV-to-EBIT 15.56
TKGBY's EV-to-EBIT is ranked lower than
55% of the 1366 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.30 vs. TKGBY: 15.56 )
Ranked among companies with meaningful EV-to-EBIT only.
TKGBY' s 10-Year EV-to-EBIT Range
Min: 14.9  Med: 19.30 Max: 23
Current: 15.56
14.9
23
PEG 3.26
TKGBY's PEG is ranked lower than
83% of the 542 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.12 vs. TKGBY: 3.26 )
Ranked among companies with meaningful PEG only.
TKGBY' s 10-Year PEG Range
Min: 0.89  Med: 3.66 Max: 4.92
Current: 3.26
0.89
4.92
Shiller P/E 9.58
TKGBY's Shiller P/E is ranked higher than
83% of the 771 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 17.62 vs. TKGBY: 9.58 )
Ranked among companies with meaningful Shiller P/E only.
TKGBY' s 10-Year Shiller P/E Range
Min: 8.75  Med: 15.59 Max: 21.61
Current: 9.58
8.75
21.61
Days Sales Outstanding 102.96
TKGBY's Days Sales Outstanding is ranked lower than
77% of the 770 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 35.19 vs. TKGBY: 102.96 )
Ranked among companies with meaningful Days Sales Outstanding only.
TKGBY' s 10-Year Days Sales Outstanding Range
Min: 57.15  Med: 79.74 Max: 106.52
Current: 102.96
57.15
106.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.65
TKGBY's Dividend Yield is ranked lower than
71% of the 2112 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.57 vs. TKGBY: 1.65 )
Ranked among companies with meaningful Dividend Yield only.
TKGBY' s 10-Year Dividend Yield Range
Min: 0.64  Med: 0.87 Max: 2.02
Current: 1.65
0.64
2.02
Dividend Payout 0.11
TKGBY's Dividend Payout is ranked higher than
91% of the 1248 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.24 vs. TKGBY: 0.11 )
Ranked among companies with meaningful Dividend Payout only.
TKGBY' s 10-Year Dividend Payout Range
Min: 0.08  Med: 0.12 Max: 0.19
Current: 0.11
0.08
0.19
Dividend growth (3y) -3.40
TKGBY's Dividend growth (3y) is ranked lower than
77% of the 640 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.20 vs. TKGBY: -3.40 )
Ranked among companies with meaningful Dividend growth (3y) only.
TKGBY' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 0.00 Max: 34.4
Current: -3.4
0
34.4
Yield on cost (5-Year) 1.58
TKGBY's Yield on cost (5-Year) is ranked lower than
73% of the 2110 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.91 vs. TKGBY: 1.58 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TKGBY' s 10-Year Yield on cost (5-Year) Range
Min: 0.64  Med: 0.87 Max: 2.02
Current: 1.58
0.64
2.02
Share Buyback Rate -0.10
TKGBY's Share Buyback Rate is ranked higher than
70% of the 931 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -1.50 vs. TKGBY: -0.10 )
Ranked among companies with meaningful Share Buyback Rate only.
TKGBY' s 10-Year Share Buyback Rate Range
Min: 0  Med: -0.30 Max: -26
Current: -0.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.33
TKGBY's Price/Tangible Book is ranked lower than
61% of the 1331 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.18 vs. TKGBY: 1.33 )
Ranked among companies with meaningful Price/Tangible Book only.
TKGBY' s 10-Year Price/Tangible Book Range
Min: 1.43  Med: 3.07 Max: 5.36
Current: 1.33
1.43
5.36
Price/Projected FCF 1.33
TKGBY's Price/Projected FCF is ranked lower than
88% of the 775 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.68 vs. TKGBY: 1.33 )
Ranked among companies with meaningful Price/Projected FCF only.
TKGBY' s 10-Year Price/Projected FCF Range
Min: 1.14  Med: 1.26 Max: 1.72
Current: 1.33
1.14
1.72
Price/Median PS Value 0.70
TKGBY's Price/Median PS Value is ranked higher than
96% of the 1286 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.11 vs. TKGBY: 0.70 )
Ranked among companies with meaningful Price/Median PS Value only.
TKGBY' s 10-Year Price/Median PS Value Range
Min: 0.52  Med: 0.82 Max: 1.15
Current: 0.7
0.52
1.15
Price/Graham Number 0.75
TKGBY's Price/Graham Number is ranked higher than
62% of the 1154 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.88 vs. TKGBY: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
TKGBY' s 10-Year Price/Graham Number Range
Min: 0.8  Med: 1.44 Max: 2.16
Current: 0.75
0.8
2.16
Earnings Yield (Greenblatt) (%) 6.57
TKGBY's Earnings Yield (Greenblatt) (%) is ranked higher than
50% of the 1364 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.40 vs. TKGBY: 6.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TKGBY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 4.3  Med: 5.20 Max: 6.7
Current: 6.57
4.3
6.7
Forward Rate of Return (Yacktman) (%) -1.72
TKGBY's Forward Rate of Return (Yacktman) (%) is ranked lower than
77% of the 770 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.43 vs. TKGBY: -1.72 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
TKGBY' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 0.8  Med: 2.90 Max: 15.3
Current: -1.72
0.8
15.3

Business Description

Industry: Banks » Banks - Regional - Europe
Compare:BNPQY, LYG, KBCSY, DB, NRBAY » details
Traded in other countries:GARAN.Turkey, TGBD.UK, GBKN.Germany, GBKB.Germany,
Turkiye Garanti Bankasi AS was established by the decree of Council of Ministers numbered 3/4010 dated April 11 1946. The Company is an integrated financial services group operating in every segment of the banking sector including corporate, commercial, SME, payment systems, retail, private and investment banking together with its subsidiaries in pension and life insurance, leasing, factoring, brokerage, and asset management besides international subsidiaries in the Netherlands, Russia and Romania. The Bank provides banking services through 994 domestic branches, eight foreign branches and three representative offices abroad. As of December 31, 2014, the Company provides financial services to more than 13 million customers with employees exceeding 19 thousand through an extensive distribution network of 994 domestic branches; 6 foreign branches in Cyprus, one in Luxembourg and one in Malta; 3 international representative offices in London, Düsseldorf and Shanghai with 4,152 ATMs, an award-winning Call Center, internet, mobile and social banking platforms, all built on cutting-edge technological infrastructure. Its products served to customers are; custody services, time and demand deposits, accumulating deposit accounts, repos, overdraft facilities, spot loans, foreign currency indexed loans, consumer loans, automobile and housing loans, working capital loans, discounted bills, gold loans, foreign currency loans, eximbank loans, pre-export loans, ECA covered financing, letters of guarantee, letters of credit, export factoring, acceptance credits, draft facilities, forfaiting, leasing, insurance, forward, futures, salary payments, investment account (ELMA), cheques, safety boxes, bill payments, tax collections, payment orders. GarantiCard, BonusCard, Miles&Smiles Card, FlexiCard, MoneyCard, BusinessCard under the brand names of Visa and Mastercard, virtual cards and also American Express credit cards and Paracard debit cards with Maestro, Electron, Visa and Mastercard brand names. The Bank provides service packages to its corporate, commercial and retail customers including deposit, loans, foreign trade transactions, investment products, cash management, leasing, factoring, insurance, credit cards, and other banking products. The Bank provides corporate banking products to international and national holdings in Turkey by coordinating regional offices, suppliers and intermediaries, utilizing cross-selling techniques. Mainly, it provides services through its commercial and mixed type of branches to export-revenue earning sectors like tourism and textile and exporters of Turkey's traditional agricultural products. Additionally, the Bank provides banking services to enterprises and their employees working in retail and service sectors through product packages including overdraft accounts, POS machines, credit cards, cheque books, Turkish Lira and foreign currency deposits, investment accounts, internet banking and call-center, debit

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