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Yapi ve Kredi Bankasi A.S.

Yapi ve Kredi Bankasi A.S.

BBIST:YKBNK
34.68
TRY
-0.64
(-1.81%)
339.06BMarket Cap
Nov 03Next Earn
Yapi ve Kredi Bankasi A.S.
BIST:YKBNK
(Istanbul Exchange)

Recent

price

34.68

P/E

ratio

- -

div

yld

0.00%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
TRY
0.98
0.97
1.05
1.18
1.28
1.5
1.75
2.01
3.1
2.5
3.06
4.14
13.65
18.54
17.76
28.25
- -
Revenue per Share
0.33
0.34
0.31
0.54
0.3
0.28
0.43
0.54
0.73
0.43
0.6
1.24
6.24
8.05
3.44
5.57
- -
Basic EPS, GAAP
0.49
0.4
-0.28
-0.63
-0.24
0.46
0.03
0.76
0.47
2.66
-1.7
3.2
4.57
18.68
3.6
-14.57
-8.59
Free Cash Flow per Basic Share
- -
- -
- -
0.04
0.06
0.06
- -
- -
- -
- -
- -
0.06
0.12
0.94
1.21
- -
- -
Dividend per Share
1.58
1.86
2.37
2.71
2.99
3.42
3.87
4.46
4.62
4.88
5.63
7.52
14.95
21.18
22.83
30.26
33.92
Book Value per Share
1.4
1.67
2.17
2.5
2.78
3.2
3.64
4.21
4.4
4.65
5.39
7.26
14.79
20.94
22.42
29.61
33.2
Tangible Book Value per Share
6,749
6,749
6,749
6,749
6,749
6,749
6,749
6,750
6,431
8,447
8,447
8,447
8,447
8,447
8,447
8,447
8,445
Basic Weighted Avg Shares
6,643
6,541
7,055
7,988
8,620
10,094
11,818
13,560
19,921
21,135
25,823
35,010
115,320
156,629
150,011
238,635
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
191
216
231
250
283
352
363
364
293
642
745
838
1,115
1,714
2,928
4,546
- -
Depreciation Expense
2,248
2,285
2,088
3,659
2,056
1,909
2,933
3,614
4,667
3,600
5,080
10,490
52,745
68,009
29,017
47,090
- -
Net Income, GAAP
19.29
20.33
23.1
21.26
22.95
24.76
21.85
21.45
22.82
20.59
25.27
24.5
23.77
20.02
13.87
27.84
- -
Effective Tax Rate (%)
33.84
34.93
29.59
45.81
23.85
18.91
24.82
26.65
23.43
17.03
19.67
29.96
45.74
43.42
19.34
19.73
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
14,010
21,417
25,091
36,406
44,116
52,517
59,798
81,516
85,592
96,411
125,159
211,175
225,126
361,705
711,642
942,491
1,106,227
LT Debt
10,746
12,635
16,040
18,286
20,214
23,086
26,121
30,102
39,007
41,192
47,568
63,489
126,262
178,881
192,814
255,617
286,499
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
10.28
7.75
5.53
7.64
3.45
2.73
3.63
3.66
3.95
2.75
3.27
4.69
16.85
15.25
4.02
4.48
- -
Return on Capital (%)
23.53
19.65
14.63
21.36
10.68
8.82
11.92
12.86
13.51
8.98
11.45
18.89
55.59
44.58
15.61
21
- -
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
8,447
8,447
8,447
Market Capitalization
305,952
278,922
339,065

Working Capital

TRY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
647,697
694,297
719,988
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
29.34%
42.87%
32.57%
Free Cash Flow
199.59%
-104.32%
-505.04%
Net Income, GAAP
66.75%
108.65%
62.29%
Sales/Revenue/Turnover
46.26%
71.13%
59.08%
Total Cash Common Dividend
111,175.79%
222,367.12%
-99.93%

Quarterly Revenue

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
41,144
31,844
34,873
42,151
150,011
2025
55,495
53,447
- -
66,505
238,635
2026
84,765
70,498
- -
- -
- -

Quarterly Earnings Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.22
0.84
0.59
0.78
3.44
2025
1.35
1.34
- -
1.1
5.57
2026
2.4
1.27
- -
- -
- -

Quarterly Dividends Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.21
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Yapi ve Kredi Bankasi A.S. engages in providing comprehensive banking and financial services primarily in Turkey, serving retail, corporate, commercial, SME, private banking, and wealth management sectors. The bank's main products and services include retail banking offerings such as payment systems, debit and credit cards, consumer loans, vehicle loans, mortgage loans, payroll services, and deposit accounts; corporate and commercial banking including working capital loans, trade finance, international non-cash loans, and project finance; private banking and wealth management services comprising capital-guaranteed mutual funds, pension plans, advisory services, and asset management. Additional services are offered through its domestic subsidiaries in brokerage, leasing, and factoring, as well as international operations in the Netherlands, Azerbaijan, and Germany. Established in 1944 and headquartered in Istanbul, Yapi Kredi operates through a widespread network of branches, ATMs, and digital banking channels. Recent major changes include a strategic focus on strong profit growth and resilience highlighted in its 2025 earnings reporting, with significant increases in net profit driven by lucrative lending and fee-based services as well as best-in-class asset-liability management. The bank issued a perpetual Additional Tier 1 capital transaction worth $600 million in 2025, increased its loan volume by 39% year-over-year to support financing of the Turkish economy, and sustained its leadership in Turkish lira demand deposits by employing effective deposit pricing strategies. Efforts to manage non-performing loans proactively and selective lending strategies have been emphasized to maintain performance amid macroeconomic conditions. Yapi Kredi continues to invest in innovative customer-centric digital banking platforms branded as Limitless Banking, contributing to operational expansion and enhanced service delivery. Yapi ve Kredi Bankasi, founded in 1944 and headquartered in Istanbul, Turkey, serves a diverse customer base through a full spectrum of financial products and services encompassing retail, corporate, and private banking. The bank’s operations are supported by a strong domestic footprint with over 767 branches and advanced digital infrastructure, as well as international subsidiaries that extend its banking presence abroad. It remains a key player in the Turkish banking sector with ongoing strategic capital enhancements and a focus on sustainable growth through innovation and customer-focused solutions.