Yapi ve Kredi Bankasi A.S. (YKBNK.IS) stock analysis

In our weekly check, Yapi ve Kredi Bankasi A.S. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 7.

About Yapi ve Kredi Bankasi A.S.

Yapi ve Kredi Bankasi A.S. is a Financial Services company (Banks - Regional), listed on IST as YKBNK.IS.

What our checks show for YKBNK.IS

Red flags

• The net margin fell by 7.4 points over 5 years, to 8.6%: the company keeps less of each sale as profit.
• The gross margin fell by 11.4 points, to 42.1%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 9% a year.
• The stock has fallen as much as 64% from a peak. Would you have held through that?
• Return on capital (ROCE) is only 2.2%.

Warning signs

• The net margin is only 8.6%: little room if costs rise.
• The price swings a lot: 42.9% annual volatility. Expect large ups and downs.

Strengths

• Analysts expect earnings per share to grow about 46.1% a year over the next years.
• Analysts expect the net margin to improve by 20.9 points from today's 8.6%.
• Revenue grew 55.8% a year over the last 3 years.
• The dividend takes 0% of profit: there is a cushion.
• The price is 5.2 times earnings (P/E), reasonable for its growth.
• Beta 0.36: the stock usually moves less than the market.

Next earnings report: 2026-11-03

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ISCTR.IS · DANSKE.CO · GFINBURO.MX · AKBNK.IS · 600000.SS

Questions

What grade does Yapi ve Kredi Bankasi A.S. (YKBNK.IS) have?

In our weekly check, Yapi ve Kredi Bankasi A.S. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 2, red flags: 7. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of YKBNK.IS stock?

This week's biggest flags for Yapi ve Kredi Bankasi A.S.: Margins falling, Gross margin falling, Weak revenue forecast. In total 9 of 25 checks show a warning or a red flag.

What does Yapi ve Kredi Bankasi A.S. do?

Yapi ve Kredi Bankasi A.S. is a Financial Services company (Banks - Regional), listed on IST as YKBNK.IS.

When does Yapi ve Kredi Bankasi A.S. report earnings next?

The next earnings report is expected on 2026-11-03. 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 2026-10-31

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