Agesa Hayat Ve Emeklilik AS (IST:AGESA) Net Loan: ₺799 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

IST:AGESA Agesa Hayat Ve Emeklilik AS IST:AGESA
58 GF Score
Price ₺237.10
GF Value ₺332.59
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Agesa Hayat Ve Emeklilik AS Net Loan?

Agesa Hayat Ve Emeklilik AS IST:AGESA -0.88% 58 Net Loan is ₺799 Mil as of Mar. 2026. GuruFocus rates IST:AGESA with a GF Score™ of 58/100 and a GF Value™ of ₺332.59 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Agesa Hayat Ve Emeklilik AS's quarterly net loan increased from Sep. 2025 (₺767 Mil) to Dec. 2025 (₺790 Mil) and increased from Dec. 2025 (₺790 Mil) to Mar. 2026 (₺799 Mil).

Agesa Hayat Ve Emeklilik AS's annual net loan increased from Dec. 2023 (₺570 Mil) to Dec. 2024 (₺790 Mil) and increased from Dec. 2024 (₺790 Mil) to Dec. 2025 (₺799 Mil).

Agesa Hayat Ve Emeklilik AS Net Loan Historical Data

* Premium members only.

The historical data trend for Agesa Hayat Ve Emeklilik AS's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Agesa Hayat Ve Emeklilik AS Net Loan Chart

Agesa Hayat Ve Emeklilik AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 297.74 376.80 569.56 679.16 790.13

Agesa Hayat Ve Emeklilik AS Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 698.79 730.12 766.80 790.13 799.02
IST:AGESA
58GF Score
Agesa Hayat Ve Emeklilik AS IST:AGESA
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Agesa Hayat Ve Emeklilik AS Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₺799 Mil mean?
Agesa Hayat Ve Emeklilik AS (IST:AGESA) has a Net Loan of ₺799 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Agesa Hayat Ve Emeklilik AS and its competitors.
Is Agesa Hayat Ve Emeklilik AS's Net Loan too high?
Agesa Hayat Ve Emeklilik AS's current Net Loan is ₺799 Mil. Overall, Agesa Hayat Ve Emeklilik AS has a GF Score™ of 58/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agesa Hayat Ve Emeklilik AS's Net Loan compare to BRK.A and AIG?
Agesa Hayat Ve Emeklilik AS's Net Loan of ₺799 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Insurance company?
A good Net Loan depends on the Insurance industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Agesa Hayat Ve Emeklilik AS and its competitors. Agesa Hayat Ve Emeklilik AS's current Net Loan is ₺799 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agesa Hayat Ve Emeklilik AS stock overvalued right now?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS (IST:AGESA) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺332.59, compared to a current price of ₺237.10 — trading 28.7% below its estimated fair value. The current Net Loan is ₺799 Mil. Agesa Hayat Ve Emeklilik AS's overall GF Score™ is 58/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Agesa Hayat Ve Emeklilik AS (IST:AGESA), the current Net Loan is ₺799 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?

Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued. The current stock price of ₺237.10 is trading 28.7% below its estimated GF Value™ of ₺332.59. GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Modestly Undervalued.

Key valuation signals for IST:AGESA:

  • Net Loan: ₺799 Mil
  • GF Value™: ₺332.59 vs. price of ₺237.10 (28.7% below fair value)
  • GF Score™: 58/100 with 2 warning signs

No single metric tells the full story. See the IST:AGESA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Agesa Hayat Ve Emeklilik AS Business Description

Address icerenkoy Mah. Umut Street, Quick Tower Site, N 10-12/9, Atasehir, Istanbul, TUR, 34768
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
58GF Score

Get the complete analysis for IST:AGESA

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₺237.10
Price
₺332.59
GF Value