Stocktoria
Yapi ve Kredi Bankasi A.S. YKBNK.IS
Yapi ve Kredi Bankasi A.S. (YKBNK.IS) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 0.00% (safety: safe). FY2025 revenue was ₺238.6B at a 19.7% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Financial Services · percentile among 226 companies
Percentile vs other Financial Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
About Yapi ve Kredi Bankasi A.S.
Yapi ve Kredi Bankasi A.S., together with its subsidiaries, provides commercial banking and financial products and services in Turkey and internationally. It operates through three segments: Retail Banking; Corporate Banking; and Commercial and SME Banking. The Retail Banking segment offers banking products and services, such as card payment systems; individual portfolio; blue class; private and gold banking; general purpose, commercial installments, and auto loans; mortgages; time and demand deposits; investment accounts; life and non-life insurance products; wealth management activities; and payroll services. This segment also provides time deposit products, mutual funds, foreign exchange, and gold and equity trading services; and personal art, inheritance, real estate, tax, education, and philanthropic advisory services. The Corporate, Commercial, and SME Banking segment offers corporate banking for large-scale, international, and multinational companies; commercial banking for medium-sized enterprises; and SME banking, such as SME loans and banking packages products for SME companies. This segment also provides working capital, trade, and project finance, as well as domestic and international non-cash loans comprising letters of credit and guarantee, cash management, and internet banking services; and financial and equity management advisory services. It offers custody, leasing, investment and portfolio management, and factoring services. The company also provides money transfer; debit, world, business cards; home loan; checks and promissory notes services; and SME loans. It serves customers through ATMs; and telephone, Internet, and mobile banking services. The was incorporated in 1944 and is headquartered in Istanbul, Turkey. Yapi ve Kredi Bankasi A.S. operates as a subsidiary of Koç Holding A.S.
FAQ
Is YKBNK.IS financially healthy?
Yapi ve Kredi Bankasi A.S.'s Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does YKBNK.IS pay a dividend, and is it safe?
Yes. Yapi ve Kredi Bankasi A.S. pays a dividend yielding about 0.00% with a 0.0% payout ratio, rated “safe” for safety.
How profitable is YKBNK.IS?
In FY2025, Yapi ve Kredi Bankasi A.S. had a net margin of 19.7% and a return on equity of 18.4%.
Is YKBNK.IS overvalued or undervalued?
Yapi ve Kredi Bankasi A.S. trades at about 7.3× trailing earnings — near its 10-year norm (10-year range 1.5×–8.9×, median 7.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for YKBNK.IS?
The average Wall-Street price target for Yapi ve Kredi Bankasi A.S. is ₺48.47, about 19.7% above the recent price, from 15 analysts (consensus: buy).
Is YKBNK.IS a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Yapi ve Kredi Bankasi A.S.: a Piotroski F-score of 4/9, a P/E of about 7.3×, a dividend yield of 0.00%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · TR · as of 2025-12-31. Figures in TRY. Facts plus Stocktoria's own computed scores — not investment advice.