Turkiye Garanti Bankasi A.S. (GARAN.IS) stock analysis

In our weekly check, Turkiye Garanti Bankasi A.S. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6.

About Turkiye Garanti Bankasi A.S.

Turkiye Garanti Bankasi A.S. is a Financial Services company (Banks - Regional), listed on IST as GARAN.IS.

What our checks show for GARAN.IS

Red flags

• The net margin fell by 6.1 points over 5 years, to 9.7%: the company keeps less of each sale as profit.
• The gross margin fell by 31.3 points, to 40.5%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 19.7% a year.
• The stock has fallen as much as 73% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 3.5%.

Warning signs

• The net margin is only 9.7%: little room if costs rise.
• The price swings a lot: 36.9% annual volatility. Expect large ups and downs.

Strengths

• Operating cash flow is 1.47x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 36.8% a year over the next years.
• Analysts expect the net margin to improve by 19 points from today's 9.7%.
• Revenue grew 92.6% a year over the last 3 years.
• Earnings per share grew 28.3% a year over the last 3 years.
• Net profit grew 28.3% a year over the last 3 years.

Next earnings report: 2027-02-03

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Questions

What grade does Turkiye Garanti Bankasi A.S. (GARAN.IS) have?

In our weekly check, Turkiye Garanti Bankasi A.S. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 2, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of GARAN.IS stock?

This week's biggest flags for Turkiye Garanti Bankasi A.S.: Margins falling, Gross margin falling, Weak revenue forecast. In total 8 of 25 checks show a warning or a red flag.

What does Turkiye Garanti Bankasi A.S. do?

Turkiye Garanti Bankasi A.S. is a Financial Services company (Banks - Regional), listed on IST as GARAN.IS.

When does Turkiye Garanti Bankasi A.S. report earnings next?

The next earnings report is expected on 2027-02-03. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-11-07

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