Haci Omer Sabanci Holding AS (SAHOL) Fair Value & Analysis
Financial Services · TR · Market cap 175B TRY (≈ $3.6B) · ISIN TRASAHOL91Q5
What is Haci Omer Sabanci Holding AS really worth?
Below-average quality, and trading another 287% above our fair value of 23.95 TRY.
Strengths
Risks
Fair value as of: Aug 22, 2026
From 4 valuation models · updated 14 days ago
Share price +9.6% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (29.94 TRY). The favourable scenario is already priced in.
- Weak quality (40/100) and above fair value at the same time, the margin of safety is missing on both counts.
- 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 Aug 22, 2026.
How to read this chart
60‑month range 6.96 TRY – 110.82 TRY · fair‑value band 17.97 TRY – 29.94 TRY · the 92.60 TRY price screens above the 23.95 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 22, 2026.
Analysis
Haci Omer Sabanci Holding AS (SAHOL) currently trades at 92.60 TRY, while our model-based Fair Value estimate is 23.95 TRY, implying the stock looks roughly 286.7% overvalued today. The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector. Bull case: the Asset-Based group reads highest at a median of 117.04 TRY per share, and 2 of the 4 models we run sit above the 92.60 TRY price. Bear case: the Multiples group reads lowest at 23.85 TRY, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Haci Omer Sabanci Holding AS generated revenue of 260B TRY at a net margin of 3.1%. Revenue grew 7.4% year over year. It earns a return on equity of 2.4%. Net debt stands at 9.4B TRY. Fundamentals as of Aug 22, 2026
Our scenario range runs from 17.97 TRY (bear case) to 29.94 TRY (bull case); at 92.60 TRY, the current price sits above 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 18% below its 52-week high and 27% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −74%, SAHOL screens richer 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 2.62 TRY per share, which is 10.9 % 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: Asset-Based (117.04 TRY) versus Multiples (23.85 TRY). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 22, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 45 · 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
Haci Ömer Sabanci Holding A.S., together with its subsidiaries, engages in the management and coordination of companies in the finance, manufacturing, and trade sectors in Turkey and internationally. The company operates through six segments: Banking, Financial Services, Energy, Material Technologies, Digital, and Others.
Full company description
Haci Ömer Sabanci Holding A.S., together with its subsidiaries, engages in the management and coordination of companies in the finance, manufacturing, and trade sectors in Turkey and internationally. The company operates through six segments: Banking, Financial Services, Energy, Material Technologies, Digital, and Others. It offers corporate, retail, investment, private, and digital banking services, as well as payment systems, insurance products, and private pension plans; and generates, distributes, and digitalizes electricity from wind, solar, hydroelectric, and other renewable energy sources. The company also provides alternative fuels, building materials, and white cement, as well as mobility solutions and tire reinforcement services; and engages in digital marketing technologies and services, cloud and technology services, and digital transformation products. In addition, it is involved in the trading of various products; after-sales, service, and spare parts activities for passenger and commercial vehicles; retailing of consumer electronics, imaging, information technology, telecommunications products, and home appliances; and operation of hotel chains. The company was incorporated in 1967 and is headquartered in Istanbul, Turkey.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Haci Omer Sabanci Holding AS reported revenue of 532B TRL in FY2025 versus 61.4B TRL in FY2021, a compound +71.6%/yr. Reported net income was 3.8B TRL in FY2025, compounding −25.1%/yr from FY2021.
SAHOL screens 287% overvalued. Compare with DBS Group →
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.
VALUE 0: the price sits above our fair-value range.
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 Aug 22, 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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