Akbank TAS (AKBNK) fair value: what the stock is really worth
We calculate from audited financials what Akbank TAS is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
Watch it or check another stockalert when fair value or trend changes
Below-average quality, trading 35% below our fair value of 111.78 TRY.
As of Sep 2, 2026, the fair value of Akbank TAS is 111.78 TRY per share against a price of 72.10 TRY, so the fair value sits 55% above the price. A model estimate from reported figures, not an analyst target.
!Expensive Growth (revenue 5y +54.7 %/yr)
✓Highly profitable · 29.5% net margin
!Low debt · negative free cash flow
·3.05% dividend yield
✓Ranks above peers (9/13)
✓Wide moat 70/100
!Evidence only medium, so the estimate is less certain
Evidence: MediumRange 83.83 TRY to 139.72 TRY
Fair value as of: Sep 2, 2026
From 4 valuation models · updated 9 days ago
Share price +9.2% over the past month.
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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 72.10 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.
Akbank TAS (AKBNK) currently trades at 72.10 TRY, while our model-based Fair Value estimate is 111.78 TRY, implying the stock looks roughly 35.5% 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 72.10 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
Scenario range: 83.83 TRY (bear) to 139.72 TRY (bull), the price of 72.10 TRY sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 20% 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 −13% fair-value upside, at 55%, AKBNK screens cheaper than that median.
Fair Value models
Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then (6.85 TRY per share) are deliberately not added.
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence
Highest evidence
Residual Income75.98 TRY100.69 TRY408.99 TRY64
P/E Multiple107.35 TRY143.14 TRY178.92 TRY63
P/B Multiple62.63 TRY83.51 TRY104.39 TRY55
All 4 models by family
Multiples
P/E Multiple107.35 TRY143.14 TRY178.92 TRY63
P/B Multiple62.63 TRY83.51 TRY104.39 TRY55
Asset-Based
NCAV (Graham)29.83 TRY39.97 TRY59.65 TRY54
Economic Profit
Residual Income75.98 TRY100.69 TRY408.99 TRY64
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
P/E ratio6.0
P/S ratio1.49P/E × margin
EPS (TTM)12.05 TRYprice ÷ EPS = P/E 6.0
Dividend yield3.1%payout 18.3%
Net margin24.9%FY2025
Return on equity22.9%TTM
More key figures
Profitability
Return on assets (EBIT)2.0%avg 5y
Operating margin35.3%TTM
Growth
Revenue (TTM)226B TRYTTM
Revenue growth (YoY)+42.0%3y avg +27.2%
EPS growth (YoY)+36.7%
Balance sheet & cash flow
Free cash flow−31.3B TRYFY2025
Net debt239B TRYFY2025
Figures from reported company fundamentals · as of Sep 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality42/100
Of which business quality 42
· Market factors (momentum, volatility) 53
Profitability39
Margins and returns on capital today
Quality Growth59
Are margins and returns improving?
Cashflow0
Earnings quality: real cash, not paper profit
Fin. Strength58
Balance sheet, leverage, solvency risk
Investment26
Disciplined investing over empire-building
Low Volatility64
Calm price path (market factor)
Momentum45
Price trend over the last 3–12 months (market factor)
52W Momentum55
Distance to the 52-week high (market factor)
Net Issuance82
Buybacks instead of dilution
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.
Growth Quality 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
230B TRY
Latest YoY
+43.6%
Avg. revenue growth/yr (3Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+27.2%
Avg. revenue growth/yr (5Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+54.7%
Avg. revenue growth/yr (25Y) ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−32.3%
Value creation/yr (5Y) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year.
+58.8%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+55.7%
Dividend yield3.1%
Operating margin (EBIT) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.68.7% (2014) → 32.0% (2019) · falling
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
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.
This stockSector peers
VALUE100· sector 33
FUTURE100· sector 44
PAST91· sector 41
HEALTH94· sector 85
DIVIDEND61· sector 51
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
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As of Sep 2, 2026, our model estimates a fair value of 111.78 TRY versus a price of 72.10 TRY, about +55% upside (undervalued).
What is the fair value of AKBNK?
Our model-based fair value for Akbank TAS is 111.78 TRY (as of Sep 2, 2026), built from audited fundamentals. The current price: 72.10 TRY.
What is the quality score of AKBNK?
Akbank TAS has a Quality Score of 42/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Akbank TAS (AKBNK)?
Our model-based price target is the fair value of 111.78 TRY (as of Sep 2, 2026) from 4 valuation models. Cautious scenario 83.83 TRY, optimistic scenario 139.72 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Akbank TAS stock forecast for 2026?
Our models put fair value at 111.78 TRY, about +55% upside versus a price of 72.10 TRY (undervalued). Cautious scenario 83.83 TRY, optimistic scenario 139.72 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Akbank TAS (AKBNK)?
Akbank TAS reported trailing-twelve-month revenue of about 226B TRY (latest available figure, as of Sep 2, 2026).
What is the net profit margin of AKBNK?
The net profit margin of Akbank TAS is about 29.5%, meaning it keeps roughly 29.5% of revenue as net income. Based on the latest reported figures.
Does Akbank TAS pay a dividend?
Akbank TAS currently shows a dividend yield of about 3.05% relative to its recent price (as of Sep 2, 2026).
What is the intrinsic value of Akbank TAS (AKBNK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Akbank TAS it is 111.78 TRY per share (as of Sep 2, 2026), against a price of 72.10 TRY. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Akbank TAS stock overvalued or undervalued in 2026?
As of Sep 2, 2026, AKBNK trades below its calculated fair value: price 72.10 TRY, fair value 111.78 TRY, a gap of about +55% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AKBNK?
No. The price is what the market pays today (72.10 TRY); the fair value is what the company's own numbers justify (111.78 TRY). For Akbank TAS the two are 39.68 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Akbank TAS worth?
The market values Akbank TAS at about 375B TRY (market capitalisation, as of Sep 2, 2026). Per share that is 72.10 TRY; our models calculate a fair value of 111.78 TRY per share.
What do the bullish and bearish scenarios say about AKBNK?
Our models span a range for Akbank TAS: cautious scenario 83.83 TRY, base 111.78 TRY, optimistic 139.72 TRY per share (as of Sep 2, 2026, price 72.10 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AKBNK?
Akbank TAS trades at a price-to-earnings ratio of 6.0 (as of Sep 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 111.78 TRY is built from several models across several years. Other multiples: PEG 1.8, P/B 1.1, P/S 1.5.
What is the PEG ratio of AKBNK?
The PEG ratio of Akbank TAS is 1.79 (P/E divided by earnings growth, as of Sep 2, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Akbank TAS (AKBNK)?
Balance-sheet figures for Akbank TAS (as of Sep 2, 2026): return on equity 22.9%, debt of 0.12 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is AKBNK from its 52-week high?
Akbank TAS trades at 72.10 TRY, about 20% below its 52-week high of 90.60 TRY and 40% above the low of 51.40 TRY (as of Sep 2, 2026). Distance from the high says nothing about value: that is what the fair value of 111.78 TRY is for.
Which stocks are comparable to Akbank TAS?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Akbank TAS stock attractive at the current price?
The data as of Sep 2, 2026: price 72.10 TRY, calculated fair value 111.78 TRY (+55%), Quality Score 42/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AKBNK calculated?
We run Akbank TAS through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 111.78 TRY, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 32.6 % above its aggregate fair value. Akbank TAS currently trades 55 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on <a href="/is-it-worth-investing-now/">is it worth investing now</a>.
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