Turkiye Garanti Bankasi AS (LSE:39IS) Moat Score: 4/10 (As of Jul. 11, 2026)


What is Turkiye Garanti Bankasi AS Moat Score?

Turkiye Garanti Bankasi AS LSE:39IS 60 Moat Score is 4 as of Jul. 11, 2026. GuruFocus rates LSE:39IS with a GF Score™ of 60/100. The stock has 3 warning signs investors should review. Among 1,608 Banks companies, Turkiye Garanti Bankasi AS ranks better than 86.19% on this metric.

Turkiye Garanti Bankasi AS has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Turkiye Garanti Bankasi AS has Narrow Moat: Turkiye Garanti Bankasi AS has a discernible moat due to strong brand strength and customer loyalty in Turkey. However, it lacks significant network effects and durable cost advantages, resulting in a modest moat.

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 Turkiye Garanti Bankasi AS might have Narrow Moat - Discernible but modest moat.

Turkiye Garanti Bankasi AS  (LSE:39IS) 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

Turkiye Garanti Bankasi AS Moat Score Related Terms

Turkiye Garanti Bankasi AS Moat Score Competitor Comparison

For the Banks - Regional subindustry, Turkiye Garanti Bankasi AS's Moat Score, along with its competitors' market caps and Moat Score 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 Garanti Bankasi AS Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Turkiye Garanti Bankasi AS's Moat Score distribution charts can be found below:

* The bar in red indicates where Turkiye Garanti Bankasi AS's Moat Score falls into.


Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Turkiye Garanti Bankasi AS (LSE:39IS) has a Moat Score of 4 as of Jul. 11, 2026. 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. According to the industry distribution chart, Turkiye Garanti Bankasi AS ranks #222 out of 1608 companies in the Banks industry, placing it in the top 13.8%.
Is Turkiye Garanti Bankasi AS's Moat Score too high?
Turkiye Garanti Bankasi AS's current Moat Score is 4. Based on the distribution chart, Turkiye Garanti Bankasi AS ranks #222 out of 1608 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Turkiye Garanti Bankasi AS has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Turkiye Garanti Bankasi AS's Moat Score compare to competitors?
According to the Banks industry distribution chart, Turkiye Garanti Bankasi AS ranks #222 out of 1608 companies for Moat Score. This places Turkiye Garanti Bankasi AS in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. 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. Turkiye Garanti Bankasi AS's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Turkiye Garanti Bankasi AS stock overvalued right now?
Turkiye Garanti Bankasi AS (LSE:39IS) has a current Moat Score of 4. The current Moat Score is 4. Turkiye Garanti Bankasi AS's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Turkiye Garanti Bankasi AS (LSE:39IS), the current Moat Score is 4 as of Jul. 11, 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.

Turkiye Garanti Bankasi AS Business Description

Address Levent Nispetiye Mah. Aytar Cad. No: 2, Besiktas, Istanbul, TUR, 34340
Turkiye Garanti Bankasi AS is an integrated financial services group operating predominantly in Turkey but with subsidiaries in the Netherlands, Russia, and Romania. It is a full-service bank offering corporate, commercial, retail, private, small to midsize enterprise, and investment banking services. Other financial services include insurance, leasing, brokerage, and asset management services. The bank's plan emphasizes customer service. The vast majority of its earning assets consist of loans, with a dominant positioning in consumer loans, mortgages, and auto loans. The company's business segments include: Retail Banking, Corporate Banking, Investment Banking and Others.