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Türkiye Halk Bankasi A.S. (HALKB) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Türkiye Halk Bankasi A.S.

HALKBMarket cap $6.61BPrice $0.9

Country🇹🇷Turkey

SectorFinancials

IndustryBanks

Runs one of Turkey's largest state-owned banks, serving millions with loans, deposits, and payment services. Built to fund small businesses and tradespeople, it's a key tool for Ankara's economic policy—and often a lightning rod for political controversy.

In Bastion Portfolios?

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

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+13%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+44%–

Rev CAGR (5y)+32%10

Earnings Forecast

EPS Growth Y+1+45%9

EPS Growth Y+2+60%9

EPS Growth Y+3+63%10

Quality

Margins

EBIT Margin0%7

Net Income Margin17%7

Free Cash Flow Margin-288%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE15%7

ROA1%2

Earnings Stability44

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)610

P/E Ratio (Forward 3y)310

P/BV1.48

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%9

Dividend Yieldna–

Momentum

Short term

1 month return-10%2

3 month return+4%7

YTD return+22%8

Mid term

Price vs 52wHigh83%6

1 year return+73%10

Long term

3 year return+178%9

5 year return+949%10

Risk Shield

Price Risk

Beta0.95

Volatility56%2

Free Cash Flow

Free Cash Flow Margin-288%1

Free Cash Flow Yield0.0%9

Quality

ROCE7%2

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

HALKBTürkiye Halk Bankasi A.S.

Revenue FY25$3.4B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+44%–

Revenue, next 5Y, CAGR+32%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+45%9

EPS growth, FY27E+60%9

EPS growth, FY28E+63%10

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 44%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 13%/yr over the last 3 years and is set to grow 44%/yr from here.

The runway holds up: revenue is set to grow 32%/yr over five years.10/10

Earnings are set to grow faster than sales (EPS about 60%/yr vs revenue 44%/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?

HALKBTürkiye Halk Bankasi A.S.

Total return Current−63.8%

Price return Current−65.3%

MOMENTUM RATING↗

STRONG77 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return+4%7

YTD return+22%8

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+73%10

3-year return+178%9

5-year return+949%10

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +178% over three years and +949% over five, ahead of 90% of the market.

It's up 73% over the past year, but 17% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+4%) and so far this year (+22%).

WATCH

None flagged.

WEAKNESSES

The stock is underperforming over the past month (-10%).

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally. The market is behind it — a core fit for momentum strategies. The one thing to watch: the stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on Halkbank. 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?

HALKBTürkiye Halk Bankasi A.S.

Revenue FY25$3.4B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+44%–

Revenue, next 5Y, CAGR+32%10

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+45%9

EPS growth, FY27E+60%9

EPS growth, FY28E+63%10

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 44%/yr over the next 3 years, ahead of most of the market.10/10

Revenue grew 13%/yr over the last 3 years and is set to grow 44%/yr from here.

The runway holds up: revenue is set to grow 32%/yr over five years.10/10

Earnings are set to grow faster than sales (EPS about 60%/yr vs revenue 44%/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?

HALKBTürkiye Halk Bankasi A.S.

Total return Current−63.8%

Price return Current−65.3%

MOMENTUM RATING↗

STRONG77 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return+4%7

YTD return+22%8

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+73%10

3-year return+178%9

5-year return+949%10

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +178% over three years and +949% over five, ahead of 90% of the market.

It's up 73% over the past year, but 17% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over three months (+4%) and so far this year (+22%).

WATCH

None flagged.

WEAKNESSES

The stock is underperforming over the past month (-10%).

BOTTOM LINE

Momentum Leader

04Value

Are you paying a fair price for it?

Stop guessing on Halkbank. 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