Yapi Ve Kredi Bankasi AS (IST:YKBNK) Moat Score: 0/10 (As of Aug. 01, 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:YKBNK Yapi Ve Kredi Bankasi AS IST:YKBNK
65 GF Score
Price ₺32.76
GF Value ₺21.19
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Yapi Ve Kredi Bankasi AS Moat Score?

Yapi Ve Kredi Bankasi AS has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Yapi Ve Kredi Bankasi AS has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Yapi Ve Kredi Bankasi AS might have No Moat - No discernible moat.

Yapi Ve Kredi Bankasi AS  (IST:YKBNK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Yapi Ve Kredi Bankasi AS Moat Score Related Terms

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

  • Moat Score: 0
  • 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

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

₺32.76
Price
₺21.19
GF Value