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Agesa Hayat Ve Emeklilik AS has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Agesa Hayat Ve Emeklilik AS did not have earnings to cover the interest expense.
Agesa Hayat Ve Emeklilik AS's debt to revenue ratio for the quarter that ended in Jun. 2026 was 0.01.
Altman Z-Score does not apply to banks and insurance companies.
Agesa Hayat Ve Emeklilik AS (IST:AGESA) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Agesa Hayat Ve Emeklilik AS has the Financial Strength Rank of 4.
Agesa Hayat Ve Emeklilik AS Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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.
Agesa Hayat Ve Emeklilik AS (IST:AGESA) has a Financial Strength of 4 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Agesa Hayat Ve Emeklilik AS and its competitors. This is 33% below median its historical median of 6.00. Over the past decade, Agesa Hayat Ve Emeklilik AS's Financial Strength has ranged from 4.00 to 8.00.
Is Agesa Hayat Ve Emeklilik AS's Financial Strength too high?
Agesa Hayat Ve Emeklilik AS's current Financial Strength of 4 is 33% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 8.00. Overall, Agesa Hayat Ve Emeklilik AS has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agesa Hayat Ve Emeklilik AS's Financial Strength compare to BRK.A and AIG?
Agesa Hayat Ve Emeklilik AS's Financial Strength of 4 can be compared against companies in the Insurance industry. Historically, Agesa Hayat Ve Emeklilik AS's own Financial Strength has ranged from 4.00 to 8.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for an Insurance company?
A good Financial Strength depends on the Insurance industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Agesa Hayat Ve Emeklilik AS and its competitors. Agesa Hayat Ve Emeklilik AS's current Financial Strength is 4, which is 33% below median its own 10-year median of 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agesa Hayat Ve Emeklilik AS stock overvalued right now?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS (IST:AGESA) is currently considered Significantly Undervalued. The stock's GF Value™ is ₺376.45, compared to a current price of ₺240.50 — trading 36.1% below its estimated fair value. The current Financial Strength is 4, which is 33% below median its 10-year median of 6.00. Agesa Hayat Ve Emeklilik AS's overall GF Score™ is 58/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Agesa Hayat Ve Emeklilik AS (IST:AGESA), the current Financial Strength is 4 as of Jun. 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued.
The current stock price of ₺240.50 is trading 36.1% below its estimated GF Value™ of ₺376.45.
GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Significantly Undervalued.
Key valuation signals for IST:AGESA:
Financial Strength: 4 (33% below median its 10-year median of 6.00)
GF Value™: ₺376.45 vs. price of ₺240.50 (36.1% below fair value)
No single metric tells the full story. See the IST:AGESA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
58GF Score
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