Turkiye Halk Bankasi AS
IST:HALKB.E

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Turkiye Halk Bankasi AS Logo
Turkiye Halk Bankasi AS
IST:HALKB.E
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Price: 16.26 TRY 2.59% Market Closed
Market Cap: 116.8B TRY
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Intrinsic Value

The intrinsic value of one HALKB.E stock under the Base Case scenario is 21.71 TRY. Compared to the current market price of 16.26 TRY, Turkiye Halk Bankasi AS is Undervalued by 25%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

HALKB.E Intrinsic Value
21.71 TRY
Undervaluation 25%
Intrinsic Value
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Turkiye Halk Bankasi AS

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
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Balance Sheet Decomposition
Turkiye Halk Bankasi AS

Net Loans 1.4T
Investments 868.3B
PP&E 38.6B
Intangibles 2.6B
Other Assets 426.3B
Total Deposits 2.4T
Short Term Debt 19.3B
Long Term Debt 69.9B
Other Liabilities 122.1B
Earnings Calls

In the recent quarter, the company's total assets increased by 10% to TRY 2.4 trillion, largely due to rising securities and liquid asset holdings. Net interest income improved by 19%, while net fees and commissions surged by 17% quarterly and 168% year-over-year. Operating revenues grew 42% quarter-on-quarter. The bank reported a net income of TRY 4.8 billion, marking a 134% increase, with a return on equity reaching 14.8%. Total deposits rose by 5%, driven by foreign currency savings accounts. Furthermore, the company's loan spreads benefitted from proactive interest rate adjustments and regulatory guidance, setting a positive outlook for asset repricing and core spread improvements for the year.

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Wall St
Price Targets

HALKB.E Price Targets Summary
Turkiye Halk Bankasi AS

Wall Street analysts forecast HALKB.E stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for HALKB.E is 16.54 TRY with a low forecast of 5.05 TRY and a high forecast of 23.72 TRY.

Lowest
Price Target
5.05 TRY
69% Downside
Average
Price Target
16.54 TRY
2% Upside
Highest
Price Target
23.72 TRY
46% Upside
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Dividends

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Dividend Per Share
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0
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100
Shareholder Yield

Current shareholder yield for HALKB.E is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Profile

Turkiye Halk Bankasi AS Logo
Turkiye Halk Bankasi AS

Country

Turkey

Industry

Banking

Market Cap

116.8B TRY

Dividend Yield

0%

Description

Turkiye Halk Bankasi AS engages in the provision of commercial banking and financial services. The company employs 14,971 full-time employees The company went IPO on 2007-05-10. The Bank’s operating areas include, commercial financing and corporate banking, fund management operations, retail banking and credit card operations. The company operates under the following segments: corporate, commercial, integrated and treasury/investment banking. The Bank is rendering services to a range of companies in all sectors, especially to Small and Medium Size Enterprises (SME) as well as individuals. Its services include: accepting deposits; issuance of cash, noncash loans; reimbursements and cash receipt operations, including cash and deposit reimbursements, fund transfers, correspondent banking transactions and use of checking accounts; purchasing cheques and bank bills; performing custody services; issuing payment instruments, such as credit cards, cash cards and travel cheques, and performing related transactions, as well as acting as a portfolio management agency, among others.

Contact

Halk Bankasi A.S.
+902165037070
www.halkbank.com.tr

IPO

2007-05-10

Employees

14 971

Officers

GM, CEO & Director
Mr. Osman Arslan
Vice CEO/Executive Vice President of Financial Management & Planning
Mr. Yusuf Duran Ocak
Head of Investor Relations Department
Muharrem Baykara
Head of Compliance Department
Samet Demirci
Head of Legal Affairs Department
Oner Kaya
Head of Corporate Communications Department
Mr. Ahmet Sami Pancaroglu
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Deputy GM of Human Resources & Support Management and Head of Human Resources
Mr. Fatih Sahbaz
Head of Internal Systems Group
Mr. Olcay Dogan
Head of Inspection Board of Internal Auditors
Mr. Ali Cebeci
Head of Financial Accounting Department
Mr. Osman Bektas
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See Also

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What is the Intrinsic Value of one HALKB.E stock?

The intrinsic value of one HALKB.E stock under the Base Case scenario is 21.71 TRY.

Is HALKB.E stock undervalued or overvalued?

Compared to the current market price of 16.26 TRY, Turkiye Halk Bankasi AS is Undervalued by 25%.

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