Yapi Ve Kredi Bankasi AS (HAM:YKS) Scaled Net Operating Assets: 0.18 (As of Mar. 2026)

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HAM:YKS Yapi Ve Kredi Bankasi AS HAM:YKS
65 GF Score
Price €3.72
GF Value €2.39
! 3 Warning Signs
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What is Yapi Ve Kredi Bankasi AS Scaled Net Operating Assets?

Yapi Ve Kredi Bankasi AS HAM:YKS 65 Scaled Net Operating Assets is 0.18 as of Mar. 2026. GuruFocus rates HAM:YKS with a GF Score™ of 65/100 and a GF Value™ of €2.39. The stock has 3 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Yapi Ve Kredi Bankasi AS's operating assets for the quarter that ended in Mar. 2026 was €60,067 Mil. Yapi Ve Kredi Bankasi AS's operating liabilities for the quarter that ended in Mar. 2026 was €47,125 Mil. Yapi Ve Kredi Bankasi AS's Total Assets for the quarter that ended in Dec. 2025 was €70,548 Mil. Therefore, Yapi Ve Kredi Bankasi AS's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.18.

HAM:YKS
65GF Score
Yapi Ve Kredi Bankasi AS HAM:YKS
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Yapi Ve Kredi Bankasi AS Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Yapi Ve Kredi Bankasi AS's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(57577.751-46555.544)/69749.899
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=70548.147 - 12970.396
=57577.751

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=65429.31 - 18873.766 - 0
=46555.544

Yapi Ve Kredi Bankasi AS's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(60066.532-47124.653)/70548.147
=0.18

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=73671.497 - 13604.965
=60066.532

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=68358.529 - 21233.876 - 0
=47124.653

* 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.

What does a Scaled Net Operating Assets of 0.18 mean?
Yapi Ve Kredi Bankasi AS (HAM:YKS) has a Scaled Net Operating Assets of 0.18 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Yapi Ve Kredi Bankasi AS and its competitors.
Is Yapi Ve Kredi Bankasi AS's Scaled Net Operating Assets too high?
Yapi Ve Kredi Bankasi AS's current Scaled Net Operating Assets is 0.18. Overall, Yapi Ve Kredi Bankasi AS has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Yapi Ve Kredi Bankasi AS's Scaled Net Operating Assets compare to competitors?
Yapi Ve Kredi Bankasi AS's Scaled Net Operating Assets of 0.18 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Yapi Ve Kredi Bankasi AS and its competitors. Yapi Ve Kredi Bankasi AS's current Scaled Net Operating Assets is 0.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yapi Ve Kredi Bankasi AS stock overvalued right now?
Yapi Ve Kredi Bankasi AS (HAM:YKS) has a current Scaled Net Operating Assets of 0.18. The stock's GF Value™ is €2.39, compared to a current price of €3.72 — trading 55.6% above its estimated fair value. The current Scaled Net Operating Assets is 0.18. Yapi Ve Kredi Bankasi AS's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Yapi Ve Kredi Bankasi AS (HAM:YKS), the current Scaled Net Operating Assets is 0.18 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 Yapi Ve Kredi Bankasi AS (HAM:YKS) Overvalued in 2026?

Based on GuruFocus' analysis, Yapi Ve Kredi Bankasi AS stock appears to be overvalued. The current stock price of €3.72 is trading 55.6% above its estimated GF Value™ of €2.39.

Key valuation signals for HAM:YKS:

  • Scaled Net Operating Assets: 0.18
  • GF Value™: €2.39 vs. price of €3.72 (55.6% above fair value)
  • GF Score™: 65/100 with 3 warning signs

No single metric tells the full story. See the HAM:YKS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Yapi Ve Kredi Bankasi AS Business Description

Other Exchanges YKBNK:Turkey
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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.72
Price
€2.39
GF Value