Yapi ve Kredi Bankasi A.S. (YKBNK) Stock Price, Fundamentals & Analysis

What YKBNK does

Yapi ve Kredi Bankasi A.S. (YKBNK) is a bank headquartered in Istanbul, Turkey, listed on the Borsa Istanbul. It operates through three segments — Retail Banking, Corporate Banking, and Commercial and SME Banking — offering products such as card payments, mortgages, auto loans, time deposits, investment accounts, insurance, and wealth management services, as well as corporate and SME lending. As a regional bank, it is part of the broader Borsa Istanbul stocks universe and sits alongside peers such as Turkiye Garanti Bankasi A.S. (GARAN), Türkiye Vakiflar Bankasi Türk Anonim Ortakligi (VAKBN), Is Yatirim Menkul Degerler Anonim Sirketi (ISMEN), Haci Ömer Sabanci Holding A.S. (SAHOL), Türkiye Sinai Kalkinma Bankasi A.S. (TSKB), Akbank T.A.S. (AKBNK), and Türkiye Is Bankasi A.S. (ISCTR).

Key numbers explained

• The current price is 35,78 TRY, reflecting the latest trading value of one share.
• The trailing P/E ratio of 5,5 divides the current share price by the last 12 months of earnings per share (6,55 TRY); a lower P/E can suggest the stock is priced modestly relative to recent earnings.
• The forward P/E ratio of 3,8 uses expected future earnings, showing how the market values the stock relative to analyst estimates.
• The dividend yield is 0%, with 0% of earnings paid out as dividends and an ex-dividend date of 3 apr. 2024.
• Beta of 0,45 indicates the stock has historically moved less than the overall market, often interpreted as lower volatility.
• The 52-week price range is 27,14 – 44,5 TRY, with the current price near the lower end of that band.
• Revenue growth of 29,4% year over year shows a strong top-line increase, while the profit margin of 24,9% and operating margin of 27,2% reflect how much of each TRY of revenue turns into profit.
• The price-to-book ratio of 1,05 compares the share price to the company's book value per share, a common way to assess whether a bank's shares trade at a premium or discount to its accounting value.

What to watch

• Interest rate movements in Turkey, which can affect bank lending margins and asset valuations.
• The bank's credit quality and loan-loss provisions, which directly impact profit margins.
• Macroeconomic conditions such as inflation and currency fluctuations, which influence borrowing costs and customer demand.
• Regulatory changes in the Turkish banking sector that may alter capital requirements or business models.
• Upcoming reporting dates, with the next earnings release scheduled for 5 nov. 2026.