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    Insurance - Property & Casualty
Türkiye Sigorta Anonim Sirketi

Türkiye Sigorta Anonim Sirketi

TURSG.IS
Türkiye Sigorta Anonim SirketiTR flagIstanbul Stock Exchange
6.35
TRY
+0.14
- -
127.00BMarket Cap
Türkiye Sigorta Anonim Sirketi
TURSG.IS
(Istanbul Stock Exchange)

Recent

price

6.35

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.01
0.01
0.02
0.02
0.02
0.03
0.03
0.21
0.29
0.23
0.25
0.32
0.6
1.68
3.29
4.86
5.16
Revenue per Share
- -
- -
- -
- -
- -
-0.01
- -
0.01
- -
0.04
0.06
0.05
0.05
0.31
0.64
0.98
1.07
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-0.01
-0.01
-0.02
-0.02
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.02
0.03
0.02
0.03
0.01
0.05
0.1
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
0.11
0.06
0.09
0.11
0.11
0.37
0.89
1.47
1.81
Book Value per Share
0.01
0.01
0.01
0.01
0.01
- -
0.02
0.13
0.36
0.12
0.17
0.21
0.29
0.77
1.43
2.57
2.72
Tangible Book Value per Share
31,084
31,084
31,084
31,084
31,084
31,084
27,933
4,973
4,346
20,000
20,000
20,000
20,000
20,000
20,000
20,000
20,000
Basic Weighted Avg Shares
434
424
540
691
771
861
891
1,054
1,256
4,612
5,083
6,476
12,072
33,584
65,736
97,203
103,104
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
4
5
7
7
5
6
7
7
7
16
24
31
40
72
119
229
260
Depreciation Expense
-34
26
-13
-51
15
-160
-48
26
11
828
1,161
1,086
962
6,186
12,781
19,527
21,444
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
19.64
19.22
24.08
25.2
19.5
23.39
27.83
24.45
Effective Tax Rate (%)
-7.73
6.19
-2.33
-7.43
1.92
-18.58
-5.4
2.51
0.87
17.96
22.85
16.77
7.97
18.42
19.44
20.09
20.8
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
1
- -
- -
- -
- -
- -
- -
- -
4
6
13
17
27
12
79
65
LT Debt
214
239
243
240
261
131
499
678
1,592
2,484
3,468
4,256
5,751
15,426
28,723
51,605
54,752
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
20.2
- -
- -
23.4
- -
- -
2,218.98
6.51
92.49
73.94
52.93
43.13
129.27
101.66
82.46
73.03
Return on Capital (%)
-23.76
20.37
-9.91
-54.47
19.43
- -
- -
- -
4.29
92.86
74.56
53.23
43.55
130.43
102.01
82.77
73.22
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
62
68
66
LT Borrowings
- -
- -
- -
LT Finance Leases
97
79
65
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
20,000
20,000
20,000
Market Capitalization
92,800
118,200
127,000

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
97,190
97,670
106,060
Accounts Receivable, Net
33,622
31,482
47,236
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
62
68
66
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
94.02%
78.39%
79.66%
Free Cash Flow
191.58%
70.84%
74%
Net Income, GAAP
796.03%
136.86%
52.79%
Sales/Revenue/Turnover
75.4%
87.12%
47.87%
Total Cash Common Dividend
- -
113.53%
100%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
14,309
15,858
17,194
18,374
65,736
2025
21,191
24,156
25,749
26,107
97,203
2026
27,092
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.18
0.15
0.15
- -
0.64
2025
0.23
0.24
0.25
- -
0.98
2026
0.32
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.05
2025
- -
- -
- -
- -
0.1
2026
- -
- -
- -
- -
- -
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Business
Türkiye Sigorta Anonim Sirketi, Turkey's largest non-life insurance provider, offers a comprehensive portfolio of products including fire and natural disasters; marine, watercraft and watercraft liability; motor vehicles and motor vehicles liability; accident; aircraft and aircraft liability; general losses and general liability; legal protection; credit; sickness/health; financial losses; transportation; engineering; agriculture; and reinsurance services. Headquartered in Istanbul and founded in 1957 as Güneş Sigorta, the company operates primarily in Turkey through an extensive distribution network encompassing 41 regional offices, over 3,900 agencies and brokers, more than 5,000 bank branches, 159 brokers, and approximately 3,000 employees, serving around 6 million customers. A subsidiary of TVF Finansal Yatirimlar AS, which holds an 81.1% stake, Türkiye Sigorta maintains a dominant 14% market share in non-life insurance with premium production reaching TRY 105.1 billion through the third quarter of 2025. Recent strategic developments include becoming a signatory to the United Nations Women's Empowerment Principles on September 3, 2024, and the United Nations Global Compact on September 30, 2024, to advance gender equality, human rights, environmental sustainability, and anti-corruption efforts. The company completed repayment of TRY 6.9 billion in financing related to its foundational 2020 merger of Ziraat Sigorta, Halk Sigorta, and Güneş Sigorta under the Türkiye Wealth Fund as of June 10, 2025, strengthening its balance sheet with total assets at TRY 152.4 billion and net profit exceeding TRY 14.3 billion for the first nine months of 2025. Türkiye Sigorta continues to innovate with AI-powered digital tools like the "Bilge" assistant for agents, automated claims processing, and expanded mobile offerings in complementary health, travel, motor, and other lines, while pursuing portfolio shifts toward higher-growth non-motor segments such as health and fire/natural disasters.