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Turkiye Sigorta ASIST:TURSG -1.35%71 ROE % is 48.53% as of Mar. 2026, which is 45% above its 10-year median of 33.58. GuruFocus rates IST:TURSG with a GF Score™ of 71/100 and a GF Value™ of ₺8.23 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 502 Insurance companies, Turkiye Sigorta AS ranks better than 96.41% on this metric.
The historical rank and industry rank for Turkiye Sigorta AS's ROE % or its related term are showing as below:
IST:TURSG'
s ROE % Range Over the Past 10 Years
Min: -15.25 Med: 33.58 Max: 58.42
Current: 49.96
During the past 13 years, Turkiye Sigorta AS's highest ROE % was 58.42%. The lowest was -15.25%. And the median was 33.58%.
IST:TURSG's ROE % is ranked better than 96.41% of 502
companies
in the Insurance industry
Industry Median: 11.65
vs IST:TURSG: 49.96
Turkiye Sigorta AS (IST:TURSG) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Turkiye Sigorta AS ROE % Related Terms
Turkiye Sigorta AS ROE % Historical Data
* Premium members only.
The historical data trend for Turkiye Sigorta AS's ROE % can be seen below:
* 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.
For the Insurance - Property & Casualty subindustry, Turkiye Sigorta AS's ROE %, along with its competitors' market caps and ROE % 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 Sigorta AS ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Turkiye Sigorta AS's ROE % distribution charts can be found below:
* The bar in red indicates where Turkiye Sigorta AS's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Turkiye Sigorta AS (IST:TURSG) has a ROE % of 48.53% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Turkiye Sigorta AS and its competitors. This is 45% above median its historical median of 33.58. According to the industry distribution chart, Turkiye Sigorta AS ranks #18 out of 502 companies in the Insurance industry, placing it in the top 3.6%.
Is Turkiye Sigorta AS's ROE % too high?
Turkiye Sigorta AS's current ROE % of 48.53% is 45% above median its 10-year median of 33.58. The Insurance industry median ROE % is 11.65. Turkiye Sigorta AS's value of 48.53% is 316.6% above this industry median. Based on the distribution chart, Turkiye Sigorta AS ranks #18 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Turkiye Sigorta AS has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Turkiye Sigorta AS's ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, Turkiye Sigorta AS ranks #18 out of 502 companies for ROE %. This places Turkiye Sigorta AS in the top 4% of its industry — outperforming the majority of peers. The industry median ROE % is 11.65. Turkiye Sigorta AS's value of 48.53% is 316.6% above this benchmark. While the company's 10-year median is 33.58 vs. the industry median of 11.65, Turkiye Sigorta AS has consistently been above 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.65, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Turkiye Sigorta AS's current ROE % of 48.53% is 316.6% above 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Turkiye Sigorta AS and its competitors. For the Insurance industry, the median ROE % is 11.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Turkiye Sigorta AS's current ROE % is 48.53%, which is 45% above median its own 10-year median of 33.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Turkiye Sigorta AS stock overvalued right now?
Based on GuruFocus' analysis, Turkiye Sigorta AS (IST:TURSG) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺8.23, compared to a current price of ₺6.56 — trading 20.3% below its estimated fair value. The current ROE % is 48.53%, which is 45% above median its 10-year median of 33.58 and 316.6% above the Insurance industry median of 11.65. Turkiye Sigorta AS's overall GF Score™ is 71/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Turkiye Sigorta AS (IST:TURSG), the current ROE % is 48.53% 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 Sigorta AS (IST:TURSG) Overvalued in 2026?
Based on GuruFocus' analysis, Turkiye Sigorta AS stock appears to be undervalued.
The current stock price of ₺6.56 is trading 20.3% below its estimated GF Value™ of ₺8.23.
GuruFocus considers Turkiye Sigorta AS to be Modestly Undervalued.
Key valuation signals for IST:TURSG:
ROE %: 48.53% (45% above median its 10-year median of 33.58)
GF Value™: ₺8.23 vs. price of ₺6.56 (20.3% below fair value)
Industry Position: 316.6% above the Insurance median (#18 of 502)
No single metric tells the full story. See the IST:TURSG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Turkiye Sigorta AS is an insurance provider in Turkey. The company operates in non-life insurance branches consisting of automotive and non-automotive accident, fire, marine, engineering, health, agriculture, liability, financial losses, loan, and legal protection. Its operating business segments are: Fire Insurance, Motor Vehicles Insurance, Motor Vehicles (Land) Liability Insurance, Health Insurance, and Others.
71GF Score
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