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Turkiye Halk Bankasi Anonim Sirketi

Turkiye Halk Bankasi Anonim Sirketi

BBIST:HALKB
41.66
TRY
-2.60
(-5.87%)
4.69EPS
9.58P/E
308.51BMarket Cap
Nov 09Next Earn
Turkiye Halk Bankasi Anonim Sirketi
BIST:HALKB
(Istanbul Exchange)

Recent

price

41.66

P/E

ratio

9.58

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
TRY
3.55
3.88
4.89
5.46
5.63
6.17
8.21
9.7
10.5
9.27
8.98
7.6
17.71
9.3
10.79
23.98
31.04
Revenue per Share
1.47
1.62
2.08
2.27
1.82
1.85
2.03
3.24
2.13
1.81
1.84
0.74
4.1
2.53
3.07
3.78
4.48
Basic EPS, GAAP
-0.32
1.65
-1.3
4.03
-3.53
-3.23
5.15
11.8
2.15
10.18
34.24
8.15
10.23
14.61
39.51
28.18
0.56
Free Cash Flow per Basic Share
0.29
0.37
0.31
0.44
0.22
0.18
0.19
0.21
0.15
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
5.89
6.84
9.2
10.57
12.51
15.17
16.93
20.25
23.44
25.53
17.19
17.68
18.25
19.6
23.18
30.39
32.66
Book Value per Share
5.88
6.81
9.15
10.51
12.44
15.09
16.83
20.14
23.29
25.36
16.93
17.4
18.08
19.31
22.7
29.59
31.44
Tangible Book Value per Share
1,254
1,250
1,250
1,250
1,250
1,250
1,250
1,246
1,250
1,250
1,999
2,474
4,477
6,645
7,185
7,185
7,186
Basic Weighted Avg Shares
4,455
4,851
6,111
6,820
7,039
7,718
10,259
12,082
13,120
11,587
17,948
18,796
79,283
61,811
77,493
172,310
223,017
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
77
89
97
122
127
135
170
177
200
434
532
672
879
2,048
3,667
5,539
- -
Depreciation Expense
1,843
2,027
2,595
2,843
2,270
2,318
2,534
4,038
2,657
2,268
3,685
1,836
18,356
16,831
22,038
27,131
32,202
Net Income, GAAP
21.66
23.1
22.05
18.64
19.63
19.67
24.18
21.4
11.93
12.76
21.47
2.04
23.05
- -
- -
19.13
24.12
Effective Tax Rate (%)
41.38
41.79
42.47
41.68
32.26
30.03
24.7
33.42
20.25
19.57
20.53
9.77
23.15
27.23
28.44
15.75
14.44
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
3,827
8,888
11,856
21,209
22,381
33,115
44,859
66,465
78,895
102,839
151,474
188,649
164,638
114,229
388,724
481,605
685,552
LT Debt
7,372
8,561
11,500
13,371
15,817
19,167
21,370
25,529
29,541
32,197
42,779
44,011
91,880
142,915
169,936
222,945
248,398
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
20.13
14.16
12.72
9.78
6.19
5.1
4.27
5.09
2.63
1.84
2.23
0.86
7.25
- -
- -
4.01
4
Return on Capital (%)
28.07
25.47
25.89
23.01
15.74
13.4
12.63
17.38
9.73
7.41
9.9
4.26
27.31
14.54
14.34
14.1
15.23
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
7,185
7,185
7,185
Market Capitalization
264,256
252,329
308,514

Working Capital

TRY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
931,322
857,538
850,564
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
30.58%
43.46%
31.19%
Free Cash Flow
93.04%
66.48%
-28.66%
Net Income, GAAP
97.77%
179.08%
23.11%
Sales/Revenue/Turnover
55.47%
90.44%
122.36%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13,525
19,995
24,641
28,108
77,493
2025
33,129
42,276
46,453
58,475
172,310
2026
55,804
62,285
- -
- -
- -

Quarterly Earnings Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.77
0.85
0.48
0.97
3.07
2025
0.89
0.87
1.05
0.96
3.78
2026
1.32
1.14
- -
- -
- -

Quarterly Dividends Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Türkiye Halk Bankası A.Ş. (HALKB.IS) operates as a major Turkish commercial bank focused on serving small- and medium-sized enterprises (SMEs), tradesmen, artisans, corporate clients, and retail customers; it provides a comprehensive range of banking products and services including deposit accounts such as e-deposits, time deposits in TL/FX, current accounts, gold deposits, and safety deposit boxes; cash and non-cash loans encompassing personal, auto, mortgage, overdraft, commercial, vehicle, housing, consumer, and project financing; cards and payment services; insurance products; derivative instruments; investment options like investment funds (Fon24), government bonds, Eurobonds, repos, forwards, options, and swaps; cash management; internet, mobile, and SMS banking; financial leasing; factoring; brokerage; and capital markets activities involving real estate-based instruments. The bank operates through segments including corporate, commercial, SME and integrated, and treasury/investment, with domestic branches across Turkey, foreign branches in Cyprus and Bahrain, and representative offices in England and Iran; it maintains subsidiaries such as Halk Yatırım Menkul Değerler A.Ş. (brokerage), Halk Sigorta A.Ş. (insurance), Halk Hayat ve Emeklilik A.Ş. (life insurance), Halk Faktoring A.Ş. (factoring), and associates including DHB Bank NV and various venture capital firms; Türkiye Halk Bankası A.Ş. functions as a subsidiary of the Turkey Wealth Fund and is headquartered in Istanbul, where it was founded in 1933. Recent developments include a 33% expansion in total assets to over 4 trillion Turkish lira as of Q3 2025, with cash loans up 24% to 1.8 trillion lira and deposits rising 33% to 3.2 trillion lira; issuance of a $700 million subordinated Additional Tier 1 eurobond in June 2025 arranged by Citi and ICBC Standard Bank after a nine-year hiatus; approval from the Banking Regulation and Supervision Agency for Halk Katılım Bankası to launch participation banking operations in 2026; enhanced SME and women entrepreneur financing totaling 111 billion lira since 2021; title sponsorship of women's basketball leagues for 2025-2026; and ongoing efforts toward a potential settlement in a U.S. criminal case involving sanctions allegations.