The historical rank and industry rank for Turkiye Garanti Bankasi AS's Net Margin % or its related term are showing as below:
IST:GARAN'
s Net Margin % Range Over the Past 10 Years
Min: 16.09 Med: 28.48 Max: 43.82
Current: 26.12
IST:GARAN's Net Margin % is ranked worse than 52.48% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs IST:GARAN: 26.12
Turkiye Garanti Bankasi AS (IST:GARAN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Turkiye Garanti Bankasi AS Net Margin % Related Terms
Turkiye Garanti Bankasi AS Net Margin % Historical Data
* 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 Garanti Bankasi AS Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Turkiye Garanti Bankasi AS's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Turkiye Garanti Bankasi AS's Net Margin % distribution charts can be found below:
* The bar in red indicates where Turkiye Garanti Bankasi AS's Net Margin % falls into.
* 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 Garanti Bankasi AS (IST:GARAN) has a Net Margin % of 25.09% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Turkiye Garanti Bankasi AS and its competitors. This is 12% below median its historical median of 28.48. Over the past decade, Turkiye Garanti Bankasi AS's Net Margin % has ranged from 16.09 to 43.82. According to the industry distribution chart, Turkiye Garanti Bankasi AS ranks #803 out of 1530 companies in the Banks industry, placing it in the top 52.5%.
Is Turkiye Garanti Bankasi AS's Net Margin % too high?
Turkiye Garanti Bankasi AS's current Net Margin % of 25.09% is 12% below median its 10-year median of 28.48. Over the past 10 years, this metric has ranged from a low of 16.09 to a high of 43.82. The Banks industry median Net Margin % is 26.85. Turkiye Garanti Bankasi AS's value of 25.09% is 6.5% below this industry median. Based on the distribution chart, Turkiye Garanti Bankasi AS ranks #803 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Turkiye Garanti Bankasi AS has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Turkiye Garanti Bankasi AS's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Turkiye Garanti Bankasi AS ranks #803 out of 1530 companies for Net Margin %. This places Turkiye Garanti Bankasi AS in the lower half of its industry. The industry median Net Margin % is 26.85. Turkiye Garanti Bankasi AS's value of 25.09% is 6.5% below this benchmark. Historically, Turkiye Garanti Bankasi AS's own Net Margin % has ranged from 16.09 to 43.82 over the past decade. While the company's 10-year median is 28.48 vs. the industry median of 26.85, Turkiye Garanti 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Turkiye Garanti Bankasi AS's current Net Margin % of 25.09% is 6.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Turkiye Garanti Bankasi AS and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Turkiye Garanti Bankasi AS's current Net Margin % is 25.09%, which is 12% below median its own 10-year median of 28.48. 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?
Based on GuruFocus' analysis, Turkiye Garanti Bankasi AS (IST:GARAN) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺173.69, compared to a current price of ₺138.40 — trading 20.3% below its estimated fair value. The current Net Margin % is 25.09%, which is 12% below median its 10-year median of 28.48 and 6.5% below the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Turkiye Garanti Bankasi AS (IST:GARAN), the current Net Margin % is 25.09% 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 Turkiye Garanti Bankasi AS (IST:GARAN) Overvalued in 2026?
Based on GuruFocus' analysis, Turkiye Garanti Bankasi AS stock appears to be undervalued.
The current stock price of ₺138.40 is trading 20.3% below its estimated GF Value™ of ₺173.69.
GuruFocus considers Turkiye Garanti Bankasi AS to be Modestly Undervalued.
Key valuation signals for IST:GARAN:
Net Margin %: 25.09% (12% below median its 10-year median of 28.48)
GF Value™: ₺173.69 vs. price of ₺138.40 (20.3% below fair value)
Industry Position: 6.5% below the Banks median (#803 of 1530)
No single metric tells the full story. See the IST:GARAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
60GF Score
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