Yapi Ve Kredi Bankasi AS (IST:YKBNK) E10: ₺1.38 (As of Mar. 2026)

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IST:YKBNK Yapi Ve Kredi Bankasi AS IST:YKBNK
65 GF Score
Price ₺32.76
GF Value ₺21.19
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is Yapi Ve Kredi Bankasi AS E10?

Yapi Ve Kredi Bankasi AS IST:YKBNK +5.68% 65 E10 is ₺1.38 as of Mar. 2026. GuruFocus rates IST:YKBNK with a GF Score™ of 65/100 and a GF Value™ of ₺21.19 (Significantly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Yapi Ve Kredi Bankasi AS's adjusted earnings per share data for the three months ended in Mar. 2026 was ₺0.024. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₺1.38 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Yapi Ve Kredi Bankasi AS's average E10 Growth Rate was 7.80% per year. During the past 3 years, the average E10 Growth Rate was 18.60% per year. During the past 5 years, the average E10 Growth Rate was 22.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Yapi Ve Kredi Bankasi AS was 26.00% per year. The lowest was 18.60% per year. And the median was 20.85% per year.

As of today (2026-08-01), Yapi Ve Kredi Bankasi AS's current stock price is ₺32.76. Yapi Ve Kredi Bankasi AS's E10 for the quarter that ended in Mar. 2026 was ₺1.38. Yapi Ve Kredi Bankasi AS's Shiller PE Ratio of today is 23.74.

During the past 13 years, the highest Shiller PE Ratio of Yapi Ve Kredi Bankasi AS was 31.43. The lowest was 3.39. And the median was 10.47.


Yapi Ve Kredi Bankasi AS  (IST:YKBNK) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Yapi Ve Kredi Bankasi AS's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=32.76/1.38
=23.74

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Yapi Ve Kredi Bankasi AS was 31.43. The lowest was 3.39. And the median was 10.47.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Yapi Ve Kredi Bankasi AS E10 Related Terms


Yapi Ve Kredi Bankasi AS E10 Historical Data

* Premium members only.

The historical data trend for Yapi Ve Kredi Bankasi AS's E10 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.

Yapi Ve Kredi Bankasi AS E10 Chart

Yapi Ve Kredi Bankasi AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.68 0.90 1.10 1.27 1.50

Yapi Ve Kredi Bankasi AS Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 1.28 1.43 1.40 1.50 1.38

Yapi Ve Kredi Bankasi AS E10 Competitor Comparison

For the Banks - Regional subindustry, Yapi Ve Kredi Bankasi AS's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Yapi Ve Kredi Bankasi AS Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Yapi Ve Kredi Bankasi AS's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Yapi Ve Kredi Bankasi AS's Shiller PE Ratio falls into.


IST:YKBNK
65GF Score
Yapi Ve Kredi Bankasi AS IST:YKBNK
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Yapi Ve Kredi Bankasi AS E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Yapi Ve Kredi Bankasi AS's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.024/330.2130*330.2130
=0.024

Current CPI (Mar. 2026) = 330.2130.

Yapi Ve Kredi Bankasi AS Quarterly Data

per share eps CPI Adj_EPS
201606 0.001 241.018 0.001
201609 0.122 241.428 0.167
201612 0.084 241.432 0.115
201703 0.148 243.801 0.200
201706 0.135 244.955 0.182
201709 0.122 246.819 0.163
201712 0.129 246.524 0.173
201803 0.187 249.554 0.247
201806 0.180 251.989 0.236
201809 0.190 252.439 0.249
201812 0.128 251.233 0.168
201903 0.150 254.202 0.195
201906 0.130 256.143 0.168
201909 0.120 256.759 0.154
201912 0.030 256.974 0.039
202003 0.130 258.115 0.166
202006 0.160 257.797 0.205
202009 0.220 260.280 0.279
202012 0.090 260.474 0.114
202103 0.170 264.877 0.212
202106 0.260 271.696 0.316
202109 0.380 274.310 0.457
202112 0.420 278.802 0.497
202203 0.009 287.504 0.010
202206 0.014 296.311 0.016
202209 0.019 296.808 0.021
202212 2.063 296.797 2.295
202303 0.015 301.836 0.016
202306 0.014 305.109 0.015
202309 0.029 307.789 0.031
202312 2.286 306.746 2.461
202403 0.012 312.332 0.013
202406 0.840 314.175 0.883
202409 0.006 315.301 0.006
202412 0.783 315.605 0.819
202503 0.014 319.799 0.014
202506 1.340 322.561 1.372
202509 0.018 324.800 0.018
202512 1.099 324.054 1.120
202603 0.024 330.213 0.024

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₺1.38 mean?
Yapi Ve Kredi Bankasi AS (IST:YKBNK) has a E10 of ₺1.38 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Yapi Ve Kredi Bankasi AS and its competitors.
Is Yapi Ve Kredi Bankasi AS's E10 too high?
Yapi Ve Kredi Bankasi AS's current E10 is ₺1.38. Overall, Yapi Ve Kredi Bankasi AS has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Yapi Ve Kredi Bankasi AS's E10 compare to competitors?
Yapi Ve Kredi Bankasi AS's E10 of ₺1.38 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Yapi Ve Kredi Bankasi AS and its competitors. Yapi Ve Kredi Bankasi AS's current E10 is ₺1.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yapi Ve Kredi Bankasi AS stock overvalued right now?
Based on GuruFocus' analysis, Yapi Ve Kredi Bankasi AS (IST:YKBNK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₺21.19, compared to a current price of ₺32.76 — trading 54.6% above its estimated fair value. The current E10 is ₺1.38. Yapi Ve Kredi Bankasi AS's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Yapi Ve Kredi Bankasi AS (IST:YKBNK), the current E10 is ₺1.38 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 Yapi Ve Kredi Bankasi AS (IST:YKBNK) Overvalued in 2026?

Based on GuruFocus' analysis, Yapi Ve Kredi Bankasi AS stock appears to be overvalued. The current stock price of ₺32.76 is trading 54.6% above its estimated GF Value™ of ₺21.19. GuruFocus considers Yapi Ve Kredi Bankasi AS to be Significantly Overvalued.

Key valuation signals for IST:YKBNK:

  • E10: ₺1.38
  • GF Value™: ₺21.19 vs. price of ₺32.76 (54.6% above fair value)
  • GF Score™: 65/100 with 3 warning signs

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


Yapi Ve Kredi Bankasi AS Business Description

Address Yap Kredi Plaza D Blok Levent, Istanbul, TUR, 34330
Yapi Ve Kredi Bankasi AS is a private capital commercial bank authorised to perform all banking, economic, financial and commercial activities. The company's operating segments are Retail Banking, Corporate Banking, Commercial and SME Banking, Treasury asset-liability management and other. The company generates majority of revenue from retail Banking activities which include card payment systems, individual, individual portfolio, blue class, private banking. Retail Banking products and services offered to customers include card payment systems, consumer loans, commercial installment loans, time and demand deposits, gold banking, investment accounts, life and non-life insurance products and payroll services. It generates majority of income from Domestic country.
65GF Score

Get the complete analysis for IST:YKBNK

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₺32.76
Price
₺21.19
GF Value