Akbank T.A.S. (AKBTY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Akbank T.A.S. (AKBTY) trades at $3.40 with AI Score 49/100 (Grade C). Akbank T. A. S. Market cap: $8.84B, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for AKBTY: AKBTY does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates AKBTY against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
AKBTY: the 1 perspectives are evenly split.
How is this calculated? →Akbank T.A.S. (AKBTY) Financial Services Profile
Akbank T.A.S. stands as a leading Turkish bank, offering comprehensive banking solutions across retail, commercial, and investment sectors, with a strong emphasis on customer service and innovative financial products.
What Is the Investment Thesis for AKBTY?
Akbank T.A.S. demonstrates a robust financial profile, with a market capitalization of $8.84B and a P/E ratio of 5.31, indicating potential undervaluation relative to peers. The bank's profit margin stands at 7.7%, supported by a gross margin of 29.6%, which reflects operational efficiency. Key growth catalysts include the expansion of its retail banking segment and the increasing demand for corporate financing solutions in Turkey. The bank's focus on digital banking and fintech integration may further enhance its competitive edge. However, potential risks include economic fluctuations and regulatory changes that could impact profitability and growth trajectories. Investors may want to evaluate these factors when evaluating Akbank's future performance.
Based on FMP financials and quantitative analysis
AKBTY Key Highlights
- Market Cap of $8.84B indicates significant market presence in Turkey.
- P/E ratio of 5.31 suggests potential undervaluation compared to industry peers.
- Profit margin of 7.7% showcases operational efficiency in banking operations.
- Gross margin of 29.6% exceeds many competitors, reflecting strong cost management.
- Dividend yield of 3.03% provides a return to shareholders amidst market volatility.
Who Are AKBTY's Competitors?
AKBTY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| KMERF Komercní banka, a.s. | $47.23 | +0.00% | $8.92B | — |
| CHBAY The Chiba Bank, Ltd. | $74.92 | -1.04% | $10.46B | 44 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| FNBKY FinecoBank Banca Fineco S.p.A. | $52.55 | +2.28% | $8.04B | 46 |
| NDBKF Nedbank Group Limited | $17.15 | +0.00% | $7.84B | — |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are AKBTY's Key Strengths?
- Established brand with a long history and customer loyalty.
- Wide range of banking products catering to diverse customer segments.
- Strong financial performance with healthy profit margins.
- Robust branch network enhancing customer accessibility.
What Are AKBTY's Weaknesses?
- Exposure to Turkish economic fluctuations and regulatory changes.
- Potential challenges in adapting to rapid fintech advancements.
- High competition in the banking sector may pressure margins.
- Limited international presence compared to global banks.
What Could Drive AKBTY Stock Higher?
- Expansion of digital banking services to enhance customer engagement and operational efficiency.
- Growth in retail banking driven by increasing consumer demand for loans and credit facilities.
- Corporate financing solutions catering to the needs of SMEs and large corporations.
- Strategic partnerships aimed at enhancing service offerings and market reach.
- Continuous improvement in treasury operations to capitalize on market opportunities.
What Are the Key Risks for AKBTY?
- Financial-distress signal — its Altman Z-Score of 0.41 sits in the distress zone (elevated bankruptcy risk).
- Economic instability in Turkey impacting banking operations and profitability.
- Regulatory changes that could affect operational flexibility and compliance costs.
- Intense competition from both traditional banks and emerging fintech companies.
- Currency fluctuations posing risks for international operations and investments.
What Are the Growth Opportunities for AKBTY?
- Retail Banking Expansion: Akbank is poised to expand its retail banking services, targeting the growing middle class in Turkey. The retail banking sector is projected to grow at a CAGR of 7.5% over the next five years, driven by increasing consumer spending and demand for personal loans and credit facilities. With its extensive branch network and digital banking initiatives, Akbank is well-positioned to capture this growth.
- Corporate Financing Solutions: The demand for corporate financing is increasing as businesses in Turkey seek to expand and innovate. Akbank's ability to provide tailored financing solutions, including project finance and working capital loans, positions it to capitalize on this growing market. The corporate banking segment is expected to grow by 6% annually, offering significant revenue potential.
- Digital Banking Initiatives: Akbank's investment in digital banking technologies aims to enhance customer experience and streamline operations. The digital banking market in Turkey is expected to grow at a CAGR of 15% through 2028, driven by increased smartphone penetration and consumer preference for online banking. This positions Akbank to attract tech-savvy customers and improve service delivery.
- Treasury and Investment Services: With the rising complexity of financial markets, Akbank's treasury services, including foreign currency trading and derivative instruments, are positioned for growth. The global treasury management market is projected to reach $1.5 trillion by 2027, providing Akbank with opportunities to expand its service offerings and enhance profitability.
- International Expansion: Akbank's strategic focus on international markets can drive growth as it seeks to serve Turkish businesses operating abroad and foreign investors. The international banking sector is expected to see increased activity, particularly in emerging markets, providing Akbank with opportunities to diversify its revenue streams and enhance its global footprint.
What Opportunities Does AKBTY Have?
- Growth in digital banking services driven by consumer demand.
- Expansion of corporate financing solutions in a growing economy.
- Increasing demand for treasury and investment services.
- Potential for international market expansion to diversify revenue.
What Threats Does AKBTY Face?
- Economic instability in Turkey affecting banking operations.
- Regulatory changes impacting profitability and operational flexibility.
- Intense competition from both traditional banks and fintech companies.
- Currency fluctuations posing risks for international operations.
What Are AKBTY's Competitive Advantages?
- Strong brand recognition and trust built over decades of operation.
- Extensive branch network providing accessibility to customers across Turkey.
- Diverse range of banking products catering to various customer needs.
- Commitment to digital innovation enhancing customer experience and operational efficiency.
- Robust risk management practices ensuring stability and reliability.
What Does AKBTY Do?
Founded in 1948, Akbank T.A.S. has evolved into a major banking institution in Turkey, headquartered in Istanbul. The bank provides a diverse array of financial products and services through its various segments, including Retail Banking, Commercial Banking, SME Banking, Corporate-Investment and Private Banking, and Treasury. Its retail banking services encompass deposit accounts, retail loans, credit cards, and asset management, catering to individual customers. For corporate clients, Akbank offers services such as working capital loans, foreign trade financing, and cash management solutions. The bank also engages in treasury activities, including spot and forward transactions, and issues electronic money. As of December 31, 2021, Akbank operated 710 branches, reinforcing its extensive reach within Turkey and its international operations. The bank's commitment to innovation and customer service has positioned it as a competitive player in the regional banking sector, enabling it to adapt to changing market dynamics and customer needs.
What Products and Services Does AKBTY Offer?
- Provide retail banking services including deposit accounts, loans, and credit cards.
- Offer commercial banking solutions for SMEs and large corporations.
- Engage in treasury activities, including foreign currency trading and bond transactions.
- Deliver investment banking services and asset management solutions.
- Facilitate electronic money issuance and financial leasing services.
- Operate a network of branches and digital platforms for customer accessibility.
How Does AKBTY Make Money?
- Generate revenue through interest income from loans and financing.
- Earn fees from banking services such as account management and transaction processing.
- Offer investment products and asset management services for additional income.
- Engage in treasury operations to capitalize on market movements and liquidity management.
- Provide financial leasing and brokerage services to diversify revenue streams.
What Industry Does AKBTY Operate In?
The regional banking industry in Turkey is characterized by a competitive landscape with several key players. The sector is experiencing growth driven by increasing consumer demand for banking services and corporate financing needs. With a focus on digital transformation, banks like Akbank are adapting to fintech disruptions and evolving customer expectations. The overall market for banking services in Turkey is projected to expand, providing opportunities for established banks to enhance their service offerings and capture greater market share.
Who Are AKBTY's Key Customers?
- Individual consumers seeking personal banking solutions.
- Small and medium-sized enterprises (SMEs) requiring financing and banking services.
- Large corporations needing customized corporate financing and treasury solutions.
- Investors looking for asset management and investment banking services.
- International clients engaged in foreign trade and investment activities.
Akbank T.A.S. (AKBTY) Valuation Context
Valued at $8.84B, AKBTY is classified as a mid-cap stock. Relative to its peer group, AKBTY's quantitative score of 49/100 is roughly in line with the peer average of 52/100.
AKBTY Revenue & Earnings Trend
In Q1 2026, AKBTY generated $215.91B in top-line revenue, marking a sequential increase of 6.1%. The company recorded net income of $19.53B, with diluted EPS of $7.58. Quarter-over-quarter revenue has been mixed, typical for a mid-cap company operating in Financial Services. Across the four most recent quarters, AKBTY averaged $6.13 in diluted EPS.
Company Profile
Akbank T.A.S. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Istanbul, TR. The company is led by CEO Cenk Kaan Gur. AKBTY has traded publicly since 2006.
ROE 22%Key Financial Metrics
Return on equity for Akbank T.A.S. stands at 21.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.7%, showing how much profit it generates from its asset base. AKBTY trades at a trailing price-to-earnings ratio of 5.31, below the Financial Services sector average of ~18x. Its free cash flow yield is -23.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.23 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 18.8%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
Akbank T.A.S.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.41 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Akbank T.A.S. revenue of about $263.40B for fiscal 2026, with EPS near $35.73. The estimate reflects 6 contributing analysts.
AKBTY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Akbank's recent insider buying suggests confidence from those who know the company best. It's a signal they believe the stock is undervalued.
- The overall community sentiment seems to be leaning positive, with many discussing potential growth opportunities in the Turkish banking sector.
- Akbank's strong brand recognition in Turkey gives it a competitive advantage, which resonates with investors looking for stability.
- Despite economic headwinds, Akbank is perceived as a resilient player, capable of navigating challenges better than some peers.
Bear Case
- Geopolitical instability in the region is a major concern, creating uncertainty around Akbank's future performance.
- Community discussions also highlight worries about the Turkish Lira's volatility and its potential impact on Akbank's earnings.
- There's a perception that regulatory changes in Turkey could negatively affect the banking sector, including Akbank.
- Some investors are wary of Akbank's exposure to certain sectors of the Turkish economy that are facing headwinds, potentially increasing loan defaults.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $215.91B | $19.53B | $7.58 |
| Q4 2025 | $203.42B | $18.62B | $7.16 |
| Q3 2025 | $210.99B | $14.36B | $5.52 |
| Q2 2025 | $191.81B | $11.12B | $4.28 |
Based on FMP financials and quantitative analysis
AKBTY Latest News
No recent news available for AKBTY.
AKBTY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for AKBTY.
Price Targets
Wall Street price target analysis for AKBTY.
AKBTY MoonshotScore
What does this score mean?
The MoonshotScore rates AKBTY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Cenk Kaan Gur
CEO
Cenk Kaan Gur has extensive experience in the banking sector, having held various leadership positions within Akbank since joining the organization. He holds a degree in Business Administration and has a strong track record in driving growth and innovation in banking services. His leadership is characterized by a focus on digital transformation and customer-centric strategies.
Track Record: Under Cenk Kaan Gur's leadership, Akbank has successfully implemented significant digital banking initiatives, enhancing customer experience and operational efficiency. He has overseen the expansion of the bank's retail and corporate banking segments, contributing to sustained financial performance and market presence.
Akbank T.A.S. ADR Information Unsponsored
An American Depositary Receipt (ADR) is a negotiable certificate issued by a U.S. bank representing shares in a foreign company's stock. AKBTY operates as a Level I ADR, allowing U.S. investors to trade shares of Akbank T.A.S. without dealing directly with the Turkish stock market.
- Home Market Ticker: Borsa Istanbul, Turkey
- ADR Level: 1
- ADR Ratio: 1:1
- Home Market Ticker: AKBT
AKBTY OTC Market Information
The OTC Other tier allows companies to trade on the OTC market without the stringent requirements of exchanges like NYSE or NASDAQ. This tier includes companies that may not meet the listing standards of larger exchanges but still provide investment opportunities for U.S. investors.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Lower liquidity compared to stocks listed on major exchanges, which may affect trading efficiency.
- Limited regulatory oversight can lead to less transparency in financial reporting.
- Potential for higher volatility due to lower trading volumes and market interest.
- Currency risks associated with foreign investments in Turkish assets.
- Verify the company's financial health through available reports.
- Assess the currency risk associated with Turkish Lira fluctuations.
- Review recent news and developments impacting the Turkish banking sector.
- Evaluate the competitive landscape and Akbank's market position.
- Consider the regulatory environment and its potential impacts on operations.
- Established history and reputation in the Turkish banking sector.
- Availability of financial reports and disclosures to the public.
- Active engagement in corporate governance and regulatory compliance.
- Membership in industry associations and adherence to banking standards.
What Investors Ask About Akbank T.A.S. (AKBTY) — Financial Services
What does Akbank T.A.S. do?
Akbank T.A.S. is a leading Turkish bank that provides a wide range of banking services including retail banking, commercial banking, and treasury operations. Its offerings include deposit accounts, loans, credit cards, and investment services, catering to both individual and corporate clients. The bank operates through a network of branches and digital platforms, serving customers in Turkey and internationally.
What do analysts say about AKBTY stock?
Analysts generally view AKBTY as a stable investment within the Turkish banking sector, highlighting its solid financial metrics such as a P/E ratio of 5.31 and a profit margin of 7.7%. They note the bank's growth potential through retail and corporate banking expansions, alongside its digital transformation initiatives. However, analysts also caution about the risks associated with economic fluctuations in Turkey.
What are the main risks for AKBTY?
Akbank T.A.S. faces several risks, including economic instability in Turkey, which could adversely affect its operations and profitability. Additionally, regulatory changes may impose new compliance costs and operational challenges. The competitive landscape is also intensifying, with both traditional banks and fintech companies vying for market share, potentially impacting Akbank's margins and growth prospects.
What are the key factors to evaluate for AKBTY?
Akbank T.A.S. (AKBTY) holds an AI score of 49/100 (low). Not financial advice.
How frequently does AKBTY data refresh on this page?
AKBTY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven AKBTY's recent stock price performance?
Akbank T.A.S. (AKBTY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established brand with a long history and customer loyalty. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider AKBTY overvalued or undervalued right now?
Valuing Akbank T.A.S. (AKBTY) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying AKBTY?
Before investing in Akbank T.A.S. (AKBTY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data sourced from company profile and financial metrics.