Yapi Ve Kredi Bankasi AS (IST:YKBNK) Altman Z-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

IST:YKBNK Yapi Ve Kredi Bankasi AS IST:YKBNK
65 GF Score
Price ₺32.76
GF Value ₺21.19
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Yapi Ve Kredi Bankasi AS Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

IST:YKBNK
65GF Score
Yapi Ve Kredi Bankasi AS IST:YKBNK
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Yapi Ve Kredi Bankasi AS (IST:YKBNK) Overvalued in 2026?

Based on GuruFocus' analysis, Yapi Ve Kredi Bankasi AS stock appears to be overvalued. The current stock price of ₺32.76 is trading 54.6% above its estimated GF Value™ of ₺21.19. GuruFocus considers Yapi Ve Kredi Bankasi AS to be Significantly Overvalued.

Key valuation signals for IST:YKBNK:

  • Altman Z-Score:
  • GF Value™: ₺21.19 vs. price of ₺32.76 (54.6% above fair value)
  • GF Score™: 65/100 with 3 warning signs

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

Yapi Ve Kredi Bankasi AS Business Description

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

Get the complete analysis for IST:YKBNK

Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₺32.76
Price
₺21.19
GF Value