Akbank TAS (AKBNK) Fair Value & Analysis
Financial Services · TR · Market cap 343B TRY (≈ $7.1B) · ISIN TRAAKBNK91N6
What is Akbank TAS really worth?
Below-average quality, trading 36% below our fair value of 111.78 TRY.
Strengths
Risks
For context
Fair value as of: Sep 2, 2026
From 4 valuation models · updated 2 days ago
Share price +8.9% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The large discount to fair value meets weak quality (42/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (83.83 TRY). The market is more pessimistic than our downside scenario.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 2, 2026.
How to read this chart
60‑month range 4.05 TRY – 90.06 TRY · fair‑value band 83.83 TRY – 139.72 TRY · the 71.85 TRY price screens below the 111.78 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 2, 2026.
Analysis
Akbank TAS (AKBNK) currently trades at 71.85 TRY, while our model-based Fair Value estimate is 111.78 TRY, implying the stock looks roughly 35.7% undervalued today. The Quality Score stands at 42/100 (below-average quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of 100.69 TRY per share, and 3 of the 4 models we run sit above the 71.85 TRY price. Bear case: the Asset-Based group reads lowest at 39.97 TRY, and 1 of the 4 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Akbank TAS generated revenue of 226B TRY at a net margin of 29.5%. Revenue grew 42.0% year over year. It earns a return on equity of 22.9%. Net debt stands at 239B TRY. Fundamentals as of Sep 2, 2026
Our scenario range runs from 83.83 TRY (bear case) to 139.72 TRY (bull case); at 71.85 TRY, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 21% below its 52-week high and 40% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 56%, AKBNK screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 6.69 TRY per share, which is 6.0 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Economic Profit (100.69 TRY) versus Asset-Based (39.97 TRY). Highest evidence: Residual Income (64).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 42 · Market factors (momentum, volatility) 49
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Akbank T.A.S., together with its subsidiaries, provides various banking products and services in Turkey and internationally.
Full company description
Akbank T.A.S., together with its subsidiaries, provides various banking products and services in Turkey and internationally. The company's consumer banking services comprise deposit accounts, retail loans, commercial installment loans, credit cards, insurance products, and asset management services, as well as bank cards, investment funds trading, automatic payment, foreign currency trading, safe deposit box rental, cheques, money transfer, investment banking, and telephone and internet banking services. It also offers services to large, medium, and small size corporate and commercial customers that include Turkish Lira (TL) and foreign currency denominated working capital loans financing for investments, foreign trade financing, derivative instruments for hedging purposes of foreign currency and interest risk, letters of credit, foreign currency trading, corporate finance, and deposit and cash management services, as well as project finance loans; and working capital management, delivering cash management services based on customers' requests, such as collection and payment, and liquidity and information management services. In addition, the company engages in TL and foreign currency spot, and forward transactions, treasury and government bonds, Eurobonds, and private sector bond transactions, as well as derivative trading activities; and marketing and pricing activities related to treasury products. Further, it provides foreign exchange, and TL clearing; financial leasing, investment and pension funds management, portfolio management, and payment services as well as issues electronic money. Akbank T.A.S. was incorporated in 1948 and is headquartered in Istanbul, Turkey.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Akbank TAS reported revenue of 230B TRL in FY2025 versus 39.5B TRL in FY2021, a compound +55.3%/yr. Reported net income was 57.3B TRL in FY2025, compounding +47.4%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Akbank TAS (AKBTY) (Q2 2026) Earnings Call Highlights: Strong Profit Growth Tempered by Revised ...
- Akbank TAS (AKBTY) (Q2 2026) Earnings Call Highlights: Strong Net Income Growth Offset by ...
- Akbank TAS (AKBTY) Q1 2026 Earnings Call Highlights: Strong Revenue Growth Amidst Challenging ...
- Akbank TAS (AKBTY) Q4 2025 Earnings Call Highlights: Strong Financial Performance and ...
Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Sep 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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