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Albaraka Turk Katilim Bankasi A.S.

Albaraka Turk Katilim Bankasi A.S.

BBIST:ALBRK
7.91
TRY
-0.20
(-2.47%)
3.72EPS
2.18P/E
20.25BMarket Cap
Albaraka Turk Katilim Bankasi A.S.
BIST:ALBRK
(Istanbul Exchange)

Recent

price

7.91

P/E

ratio

2.18

div

yld

0.00%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
TRY
0.38
0.4
0.5
0.63
0.71
0.87
0.99
1.25
1.54
1.44
1.42
2.48
4.81
6.82
6.8
9.95
12.59
Revenue per Share
0.11
0.13
0.15
0.19
0.2
0.24
0.17
0.2
0.14
0.08
0.18
0.25
0.84
1.59
2.06
6.01
3.72
Basic EPS, GAAP
-0.19
-0.05
-0.56
0.33
-0.26
0.78
0.21
0.14
2.51
5.15
-2.92
7.47
1.93
2.3
-1.41
-7.04
-3.34
Free Cash Flow per Basic Share
0.01
0.01
- -
- -
0.03
0.03
0.04
0.03
0.04
- -
- -
- -
- -
- -
- -
0.17
- -
Dividend per Share
0.68
0.8
0.97
1.19
1.42
1.66
1.8
1.98
2.61
3.08
2.43
2.8
3.43
5.63
7.98
11.47
12.87
Book Value per Share
0.68
0.79
0.96
1.18
1.4
1.63
1.78
1.95
2.58
3.05
2.4
2.74
3.36
5.48
7.69
10.97
12.26
Tangible Book Value per Share
1,258
1,259
1,260
1,258
1,258
1,261
1,260
1,260
1,105
1,134
1,699
1,350
2,024
2,500
2,500
2,500
2,500
Basic Weighted Avg Shares
472
507
632
798
897
1,098
1,249
1,573
1,701
1,637
2,420
3,344
9,738
17,050
16,992
24,874
31,471
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
10
15
22
29
43
59
64
61
57
117
130
151
222
379
726
1,160
- -
Depreciation Expense
134
160
192
241
248
301
220
250
158
90
302
333
1,699
3,969
5,159
15,017
9,309
Net Income, GAAP
19.09
20.78
20.47
19.44
22.71
19.62
17.42
16.3
17.48
22.24
19.17
- -
34.1
29.37
4.87
1.41
13.57
Effective Tax Rate (%)
28.38
31.57
30.37
30.19
27.65
27.4
17.59
15.9
9.29
5.5
12.49
9.95
17.45
23.28
30.36
60.37
29.58
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
375
1,053
1,394
2,614
3,778
6,084
6,388
7,330
8,525
6,005
11,439
8,680
17,107
39,920
65,590
141,511
149,845
LT Debt
853
1,004
1,218
1,497
1,786
2,096
2,273
2,645
3,552
4,031
4,349
6,699
9,348
14,348
19,944
28,681
32,183
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
13.83
9.75
8.22
7.17
5.13
4.38
2.61
2.52
1.3
0.75
2.27
- -
7.38
9.45
7.38
11.74
6.02
Return on Capital (%)
17.15
17.25
17.26
17.75
15.12
15.5
10.05
10.51
5.47
2.51
7.55
7.49
25.5
35.07
30.34
61.77
34.39
Return on Common Equity (%)

Capital Structure

TRY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2,500
2,500
2,500
Market Capitalization
19,650
20,100
20,250

Working Capital

TRY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
121,631
128,180
127,389
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

TRY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
31.03%
45.98%
43.8%
Free Cash Flow
122.13%
-15.41%
400.8%
Net Income, GAAP
91.81%
155.05%
191.07%
Sales/Revenue/Turnover
44.24%
70.1%
46.39%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,931
3,565
4,583
6,794
16,992
2025
3,367
5,278
4,460
12,715
24,874
2026
5,810
8,486
- -
- -
- -

Quarterly Earnings Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.43
0.59
0.79
0.25
2.06
2025
3.25
0.62
0.6
1.54
6.01
2026
0.54
1.05
- -
- -
- -

Quarterly Dividends Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
0.17
2026
- -
- -
- -
- -
- -
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Business
Albaraka Türk Katilim Bankasi A.S. Albaraka Türk Katilim Bankasi A.S. (ALBRK.IS) operates as Turkey's pioneering participation bank, providing Sharia-compliant interest-free banking services including retail banking with personal financing, housing, vehicle, education, and consumer loans; credit, debit, and business cards; current, participation, foreign currency, and gold accounts; corporate and SME banking encompassing cash management, foreign trade financing, project-based profit-loss sharing, and financial leasing; private pension plans; and insurance agency services for personal accident, health, vehicle, fire, earthquake, and travel policies from providers such as Isik Sigorta, Anadolu Sigorta, Allianz, and Zurich Sigorta. The bank, founded in 1984 and headquartered in Ümraniye, Istanbul, Turkey, maintains a domestic network of over 220 branches while supporting international trade with nearly 1,000 banks across 80 countries; it belongs to the Al Baraka Banking Group B.S.C., with the parent holding approximately 45% ownership. Albaraka Türk primarily serves individual, SME, and corporate customers in Turkey, channeling funds into the real economy through sukuk-guaranteed and asset-backed financings. In 2024, the bank issued a USD 120 million subordinated loan to bolster capital and fund allocation capacity, elevated free provisions to TL 7.3 billion including an additional TL 2.1 billion, grew assets 34% to TL 311 billion and cash loans 36% to TL 148.5 billion, and published a Sustainability Finance Framework aligning project financing with United Nations Sustainable Development Goals; it also launched products such as BES Secured Financing and enhanced digital offerings via Albaraka Mobil and internet banking with fee-free EFT, havale, and account operations.