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Also traded in: Germany, Turkey, UK

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 : 6/10

vs
industry
vs
history
Equity to Asset 0.11
TKGBY's Equity to Asset is ranked higher than
58% of the 1653 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 Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.11 Max: 0.12
Current: 0.11
0.1
0.12
Interest Coverage 0.53
TKGBY's Interest Coverage is ranked lower than
78% of the 1537 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.64 vs. TKGBY: 0.53 )
Ranked among companies with meaningful Interest Coverage only.
TKGBY' s Interest Coverage Range Over the Past 10 Years
Min: 0.54  Med: 5000.35 Max: 9999.99
Current: 0.53
0.54
9999.99
F-Score: 4
M-Score: -2.38
WACC vs ROIC
13.34%
4.82%
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 (%) 44.08
TKGBY's Operating margin (%) is ranked higher than
76% of the 1671 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 31.24 vs. TKGBY: 44.08 )
Ranked among companies with meaningful Operating margin (%) only.
TKGBY' s Operating margin (%) Range Over the Past 10 Years
Min: 41.36  Med: 47.67 Max: 53.51
Current: 44.08
41.36
53.51
Net-margin (%) 33.50
TKGBY's Net-margin (%) is ranked higher than
76% of the 1674 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.66 vs. TKGBY: 33.50 )
Ranked among companies with meaningful Net-margin (%) only.
TKGBY' s Net-margin (%) Range Over the Past 10 Years
Min: 31.79  Med: 36.16 Max: 41.68
Current: 33.5
31.79
41.68
ROE (%) 12.36
TKGBY's ROE (%) is ranked higher than
73% of the 1669 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.48 vs. TKGBY: 12.36 )
Ranked among companies with meaningful ROE (%) only.
TKGBY' s ROE (%) Range Over the Past 10 Years
Min: 12.47  Med: 20.82 Max: 40.5
Current: 12.36
12.47
40.5
ROA (%) 1.32
TKGBY's ROA (%) is ranked higher than
73% of the 1679 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.90 vs. TKGBY: 1.32 )
Ranked among companies with meaningful ROA (%) only.
TKGBY' s ROA (%) Range Over the Past 10 Years
Min: 1.38  Med: 2.19 Max: 3.62
Current: 1.32
1.38
3.62
Revenue Growth (3Y)(%) 10.50
TKGBY's Revenue Growth (3Y)(%) is ranked higher than
76% of the 1364 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.90 vs. TKGBY: 10.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
TKGBY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 10.5
Current: 10.5
0
10.5
EBITDA Growth (3Y)(%) 2.90
TKGBY's EBITDA Growth (3Y)(%) is ranked lower than
61% of the 1261 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.40 vs. TKGBY: 2.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
TKGBY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -10.2  Med: 3.45 Max: 20.8
Current: 2.9
-10.2
20.8
EPS Growth (3Y)(%) 2.40
TKGBY's EPS Growth (3Y)(%) is ranked lower than
65% of the 1246 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.40 vs. TKGBY: 2.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
TKGBY' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -43.9  Med: 2.50 Max: 9.8
Current: 2.4
-43.9
9.8
» TKGBY's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2015

TKGBY Guru Trades in Q2 2015

Ken Fisher 424,996 sh (+9.80%)
» More
Q3 2015

TKGBY Guru Trades in Q3 2015

Ken Fisher 411,366 sh (-3.21%)
» More
Q4 2015

TKGBY Guru Trades in Q4 2015

Ken Fisher 411,366 sh (unchged)
» More
Q1 2016

TKGBY Guru Trades in Q1 2016

Ken Fisher 417,483 sh (+1.49%)
» 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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» Interactive Charts

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Ratios

vs
industry
vs
history
P/E(ttm) 11.69
TKGBY's P/E(ttm) is ranked higher than
56% of the 1567 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.61 vs. TKGBY: 11.69 )
Ranked among companies with meaningful P/E(ttm) only.
TKGBY' s P/E(ttm) Range Over the Past 10 Years
Min: 10.12  Med: 13.12 Max: 24.37
Current: 11.69
10.12
24.37
Forward P/E 7.49
TKGBY's Forward P/E is ranked higher than
79% of the 365 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.66 vs. TKGBY: 7.49 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.69
TKGBY's PE(NRI) is ranked higher than
56% of the 1567 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.57 vs. TKGBY: 11.69 )
Ranked among companies with meaningful PE(NRI) only.
TKGBY' s PE(NRI) Range Over the Past 10 Years
Min: 10.4  Med: 16.16 Max: 24.4
Current: 11.69
10.4
24.4
P/B 1.32
TKGBY's P/B is ranked lower than
68% of the 1635 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.04 vs. TKGBY: 1.32 )
Ranked among companies with meaningful P/B only.
TKGBY' s P/B Range Over the Past 10 Years
Min: 1.27  Med: 2.03 Max: 4.29
Current: 1.32
1.27
4.29
P/S 3.90
TKGBY's P/S is ranked lower than
67% of the 1630 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.93 vs. TKGBY: 3.90 )
Ranked among companies with meaningful P/S only.
TKGBY' s P/S Range Over the Past 10 Years
Min: 3.6  Med: 5.64 Max: 10.78
Current: 3.9
3.6
10.78
PFCF 19.82
TKGBY's PFCF is ranked lower than
80% of the 853 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 10.51 vs. TKGBY: 19.82 )
Ranked among companies with meaningful PFCF only.
TKGBY' s PFCF Range Over the Past 10 Years
Min: 4.52  Med: 19.42 Max: 209.38
Current: 19.82
4.52
209.38
POCF 15.48
TKGBY's POCF is ranked lower than
79% of the 970 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 9.10 vs. TKGBY: 15.48 )
Ranked among companies with meaningful POCF only.
TKGBY' s POCF Range Over the Past 10 Years
Min: 4.29  Med: 15.16 Max: 103.08
Current: 15.48
4.29
103.08
EV-to-EBIT 17.37
TKGBY's EV-to-EBIT is ranked lower than
65% of the 1501 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.32 vs. TKGBY: 17.37 )
Ranked among companies with meaningful EV-to-EBIT only.
TKGBY' s EV-to-EBIT Range Over the Past 10 Years
Min: 7.9  Med: 18.50 Max: 24.5
Current: 17.37
7.9
24.5
EV-to-EBITDA 16.61
TKGBY's EV-to-EBITDA is ranked lower than
67% of the 1503 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.32 vs. TKGBY: 16.61 )
Ranked among companies with meaningful EV-to-EBITDA only.
TKGBY' s EV-to-EBITDA Range Over the Past 10 Years
Min: 7.7  Med: 18.10 Max: 24.5
Current: 16.61
7.7
24.5
PEG 4.52
TKGBY's PEG is ranked lower than
86% of the 724 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.07 vs. TKGBY: 4.52 )
Ranked among companies with meaningful PEG only.
TKGBY' s PEG Range Over the Past 10 Years
Min: 1.42  Med: 5.42 Max: 7.5
Current: 4.52
1.42
7.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.57
TKGBY's Dividend Yield is ranked lower than
67% of the 2089 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.99 vs. TKGBY: 1.57 )
Ranked among companies with meaningful Dividend Yield only.
TKGBY' s Dividend Yield Range Over the Past 10 Years
Min: 0.59  Med: 1.04 Max: 1.74
Current: 1.57
0.59
1.74
Dividend Payout 0.16
TKGBY's Dividend Payout is ranked higher than
84% of the 1265 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.34 vs. TKGBY: 0.16 )
Ranked among companies with meaningful Dividend Payout only.
TKGBY' s Dividend Payout Range Over the Past 10 Years
Min: 0.08  Med: 0.15 Max: 0.19
Current: 0.16
0.08
0.19
Dividend Growth (3y) 3.70
TKGBY's Dividend Growth (3y) is ranked lower than
66% of the 746 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.90 vs. TKGBY: 3.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
TKGBY' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 34.4
Current: 3.7
0
34.4
Forward Dividend Yield 1.58
TKGBY's Forward Dividend Yield is ranked lower than
74% of the 1957 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.03 vs. TKGBY: 1.58 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.73
TKGBY's Yield on cost (5-Year) is ranked higher than
55% of the 2483 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.46 vs. TKGBY: 2.73 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
TKGBY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.03  Med: 1.81 Max: 3.03
Current: 2.73
1.03
3.03

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.31
TKGBY's Price/Tangible Book is ranked lower than
61% of the 1627 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.11 vs. TKGBY: 1.31 )
Ranked among companies with meaningful Price/Tangible Book only.
TKGBY' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.29  Med: 3.49 Max: 6.01
Current: 1.31
1.29
6.01
Price/Projected FCF 0.66
TKGBY's Price/Projected FCF is ranked higher than
50% of the 881 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.65 vs. TKGBY: 0.66 )
Ranked among companies with meaningful Price/Projected FCF only.
TKGBY' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.65  Med: 1.20 Max: 1.72
Current: 0.66
0.65
1.72
Price/Median PS Value 0.68
TKGBY's Price/Median PS Value is ranked higher than
89% of the 1530 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.02 vs. TKGBY: 0.68 )
Ranked among companies with meaningful Price/Median PS Value only.
TKGBY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.67  Med: 1.05 Max: 1.91
Current: 0.68
0.67
1.91
Price/Graham Number 0.81
TKGBY's Price/Graham Number is ranked higher than
52% of the 1455 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.82 vs. TKGBY: 0.81 )
Ranked among companies with meaningful Price/Graham Number only.
TKGBY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.8  Med: 1.40 Max: 2.35
Current: 0.81
0.8
2.35
Earnings Yield (Greenblatt) (%) 5.74
TKGBY's Earnings Yield (Greenblatt) (%) is ranked lower than
59% of the 1641 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.90 vs. TKGBY: 5.74 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
TKGBY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.1  Med: 5.40 Max: 12.6
Current: 5.74
4.1
12.6

More Statistics

Revenue(Mil) $3670
EPS $ 0.29
Beta0.89
Short Percentage of Float0.00%
52-Week Range $2.14 - 3.66
Shares Outstanding(Mil)4200.00

Analyst Estimate

Dec16 Dec17 Dec18
Revenue(Mil) 1,685 1,895 2,111
EPS($) 0.12 0.14 0.16
EPS without NRI($) 0.12 0.14 0.16

Business Description

Industry: Banks » Banks - Regional - Europe
Compare:DUB:AIB1, OCSE:DANSKE, XTER:DBK, MIL:UCG, XBRU:KBC, OSTO:SWED A » details
Traded in other countries:GBKN.Germany, GARAN.Turkey, TGBD.UK,
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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