Turkiye Halk Bankasi ASIST:HALKB -3.45%46 EV-to-FCF is 1.12 as of Jul. 09, 2026, which is 45% below its 10-year median of 2.03. GuruFocus rates IST:HALKB with a GF Score™ of 46/100 and a GF Value™ of ₺49.69 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,191 Banks companies, Turkiye Halk Bankasi AS ranks better than 75.57% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Turkiye Halk Bankasi AS's Enterprise Value is ₺182,236 Mil.
Turkiye Halk Bankasi AS's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₺163,173 Mil. Therefore, Turkiye Halk Bankasi AS's EV-to-FCF for today is 1.12.
The historical rank and industry rank for Turkiye Halk Bankasi AS's EV-to-FCF or its related term are showing as below:
IST:HALKB'
s EV-to-FCF Range Over the Past 10 Years
Min: -29.51 Med: 2.03 Max: 58.95
Current: 1.2
During the past 13 years, the highest EV-to-FCF of Turkiye Halk Bankasi AS was 58.95. The lowest was -29.51. And the median was 2.03.
IST:HALKB's EV-to-FCF is ranked better than 75.57% of 1191
companies
in the Banks industry
Industry Median: 6.57
vs IST:HALKB: 1.20
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Turkiye Halk Bankasi AS (IST:HALKB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Turkiye Halk Bankasi AS's PE Ratio (TTM) for today is calculated as:
Turkiye Halk Bankasi AS's share price for today is ₺41.94.
Turkiye Halk Bankasi AS's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₺4.207.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
Turkiye Halk Bankasi AS EV-to-FCF Competitor Comparison
For the Banks - Regional subindustry, Turkiye Halk Bankasi AS's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
Turkiye Halk Bankasi AS EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Turkiye Halk Bankasi AS's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Turkiye Halk Bankasi AS's EV-to-FCF falls into.
Turkiye Halk Bankasi AS's current Enterprise Value is ₺182,236 Mil.
Turkiye Halk Bankasi AS's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₺163,173 Mil.
* 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.
Turkiye Halk Bankasi AS (IST:HALKB) has a EV-to-FCF of 1.12 as of Jul. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Turkiye Halk Bankasi AS and its competitors. This is 45% below median its historical median of 2.03. According to the industry distribution chart, Turkiye Halk Bankasi AS ranks #291 out of 1191 companies in the Banks industry, placing it in the top 24.4%.
Is Turkiye Halk Bankasi AS's EV-to-FCF too high?
Turkiye Halk Bankasi AS's current EV-to-FCF of 1.12 is 45% below median its 10-year median of 2.03. The Banks industry median EV-to-FCF is 6.57. Turkiye Halk Bankasi AS's value of 1.12 is 83% below this industry median. Based on the distribution chart, Turkiye Halk Bankasi AS ranks #291 out of 1191 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Turkiye Halk Bankasi AS has a GF Score™ of 46/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Turkiye Halk Bankasi AS's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Turkiye Halk Bankasi AS ranks #291 out of 1191 companies for EV-to-FCF. This places Turkiye Halk Bankasi AS in the top 24% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.57. Turkiye Halk Bankasi AS's value of 1.12 is 83% below this benchmark. While the company's 10-year median is 2.03 vs. the industry median of 6.57, Turkiye Halk Bankasi AS has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Turkiye Halk Bankasi AS's current EV-to-FCF of 1.12 is 83% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Turkiye Halk Bankasi AS and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Turkiye Halk Bankasi AS's current EV-to-FCF is 1.12, which is 45% below median its own 10-year median of 2.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Turkiye Halk Bankasi AS stock overvalued right now?
Based on GuruFocus' analysis, Turkiye Halk Bankasi AS (IST:HALKB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺49.69, compared to a current price of ₺41.94 — trading 15.6% below its estimated fair value. The current EV-to-FCF is 1.12, which is 45% below median its 10-year median of 2.03 and 83% below the Banks industry median of 6.57. Turkiye Halk Bankasi AS's overall GF Score™ is 46/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Turkiye Halk Bankasi AS (IST:HALKB), the current EV-to-FCF is 1.12 as of Jul. 09, 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 Turkiye Halk Bankasi AS (IST:HALKB) Overvalued in 2026?
Based on GuruFocus' analysis, Turkiye Halk Bankasi AS stock appears to be undervalued.
The current stock price of ₺41.94 is trading 15.6% below its estimated GF Value™ of ₺49.69.
GuruFocus considers Turkiye Halk Bankasi AS to be Modestly Undervalued.
Key valuation signals for IST:HALKB:
EV-to-FCF: 1.12 (45% below median its 10-year median of 2.03)
GF Value™: ₺49.69 vs. price of ₺41.94 (15.6% below fair value)
Industry Position: 83% below the Banks median (#291 of 1191)
No single metric tells the full story. See the IST:HALKB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Turkiye Halk Bankasi AS is a bank operating in Turkey. The bank's controlling shareholder is the Privatization Administration of Turkey, a government agency. Halkbank's strategic focus since its founding is customer service and small to midsize enterprise banking, with a significant portion of its total loan portfolio dedicated to this segment. Halkbank specifically offers loans and products tailored for SMEs. Net interest income constitutes a majority of the bank's net revenue, of which its SME segment is the majority contributor. A significant portion of its nonperforming loans come from the manufacturing industry.
46GF Score
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