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Turkiye Garanti Bankasi A.S. (GARAN) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Turkiye Garanti Bankasi A.S.

GARANMarket cap $11BPrice $2.7

Country🇹🇷Turkey

SectorFinancials

IndustryBanks

Operates Turkey's largest private bank by assets, serving millions through retail, corporate, and digital banking. Majority-owned by Spain's BBVA, it's a bellwether for Turkish credit markets and a favorite pick for investors betting on the country's economic swings.

In Bastion Portfolios?

52W Return-1%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+10%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+32%–

Rev CAGR (5y)+26%10

Earnings Forecast

EPS Growth Y+1+9%6

EPS Growth Y+2+38%9

EPS Growth Y+3+41%9

Quality

Margins

EBIT Margin0%9

Net Income Margin32%9

Free Cash Flow Margin-180%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE28%9

ROA3%4

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)310

P/E Ratio (Forward 3y)210

P/BV1.19

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yield4.0%8

Momentum

Short term

1 month return-2%7

3 month return-3%5

YTD return-5%4

Mid term

Price vs 52wHigh80%5

1 year return+1%5

Long term

3 year return+185%9

5 year return+1623%10

Risk Shield

Price Risk

Beta0.86

Volatility37%5

Free Cash Flow

Free Cash Flow Margin-180%1

Free Cash Flow Yield0.0%10

Quality

ROCE20%4

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

GARANTurkiye Garanti Bankasi A.S.

Revenue FY25$9.6B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+32%–

Revenue, next 5Y, CAGR+26%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+9%6

EPS growth, FY27E+38%9

EPS growth, FY28E+41%9

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 32%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 10%/yr over the last 3 years and is set to grow 32%/yr from here.

The runway holds up: revenue is set to grow 26%/yr over five years.10/10

Earnings are set to grow faster than sales (EPS about 38%/yr vs revenue 32%/yr), so margins should widen.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

GARANTurkiye Garanti Bankasi A.S.

Total return Current48.3%

Price return Current22.4%

MOMENTUM RATING↗

STRONG69 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-3%5

YTD return-5%4

MID & LONG-TERM▾SCORE

% of 52-week high80%5

1-year return+1%5

3-year return+185%9

5-year return+1623%10

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +185% over three years and +1623% over five, ahead of 90% of the market.

Strong recent results. The stock is outperforming over the past month (-2%).

WATCH

It's up 1% over the past year, but 20% below its 52-week high. That is right in line with the market.

Returns sit at the market level over three months (-3%) and so far this year (-5%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Garanti Bank. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

GARANTurkiye Garanti Bankasi A.S.

Revenue FY25$9.6B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+10%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+32%–

Revenue, next 5Y, CAGR+26%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+9%6

EPS growth, FY27E+38%9

EPS growth, FY28E+41%9

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 32%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 10%/yr over the last 3 years and is set to grow 32%/yr from here.

The runway holds up: revenue is set to grow 26%/yr over five years.10/10

Earnings are set to grow faster than sales (EPS about 38%/yr vs revenue 32%/yr), so margins should widen.

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

GARANTurkiye Garanti Bankasi A.S.

Total return Current48.3%

Price return Current22.4%

MOMENTUM RATING↗

STRONG69 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return-3%5

YTD return-5%4

MID & LONG-TERM▾SCORE

% of 52-week high80%5

1-year return+1%5

3-year return+185%9

5-year return+1623%10

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +185% over three years and +1623% over five, ahead of 90% of the market.

Strong recent results. The stock is outperforming over the past month (-2%).

WATCH

It's up 1% over the past year, but 20% below its 52-week high. That is right in line with the market.

Returns sit at the market level over three months (-3%) and so far this year (-5%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Garanti Bank. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community