GARAN PEER ANALYSIS

Turkiye Garanti Bankasi A.S. — metric-by-metric comparison with peers and the industry median

GARANTurkiye Garanti Bankasi A.S.

🇹🇷 Turkey · IS · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

GARANIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	GARAN	WBS	FHN	WTFC	UMBF	BPOP	Ind. Median
P/E	4.73●	12.31	12.46	12.75	12.62	12.09	12.88
P/B	1.24●	1.29	1.37	1.49	1.42	1.73	1.28
EV/EBITDA	-0.04	11.43	15.77	0.91	13.27	-13.05●	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	GARAN	WBS	FHN	WTFC	UMBF	BPOP	Ind. Median
Current Ratio	—	0.04	0.96●	0.27	0.21	0.39	0.31
Debt/Equity	0.0%●	58.7%	144.8%	58.9%	51.5%	20.0%	38.0%
NetDebt/EBITDA	-4.60	2.09	6.78	-7.65	3.03	-22.79●	-0.58

Profitability
Metric	GARAN	WBS	FHN	WTFC	UMBF	BPOP	Ind. Median
Net Margin	31.2%●	23.5%	22.3%	20.1%	19.8%	20.4%	20.6%
ROE	30.0%●	10.9%	11.5%	12.3%	12.1%	14.9%	10.9%
ROA	3.4%●	1.2%	1.2%	1.2%	1.2%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	GARAN	WBS	FHN	WTFC	UMBF	BPOP	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	24.7%	31.2%	28.2%	23.7%	114.0%●	30.9%	19.4%
Div. Yield	—	2.1%	2.4%●	1.3%	1.1%	1.8%	2.5%
Payout	—	27.3%	32.1%	20.2%	16.4%	21.9%	31.4%

Valuation
Metric	GARAN	AKBNK	ENPRA	ISCTR	YKBNK	VAKBN	Ind. Median
P/E	4.73●	6.10	117.72	4.76	5.65	4.87	12.88
P/B	1.24	1.26	43.36	0.85●	1.17	0.96	1.28
EV/EBITDA	-0.04	-1.70	84.24	-17.00●	-3.80	-5.61	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	GARAN	AKBNK	ENPRA	ISCTR	YKBNK	VAKBN	Ind. Median
Current Ratio	—	—	—	—	—	—	0.31
Debt/Equity	0.0%●	0.0%●	0.0%●	0.0%●	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	-4.60	-7.12	-8.93	-28.33●	-9.43	-8.98	-0.58

Profitability
Metric	GARAN	AKBNK	ENPRA	ISCTR	YKBNK	VAKBN	Ind. Median
Net Margin	31.2%	27.4%	34.9%●	28.1%	23.3%	21.4%	20.6%
ROE	30.0%	23.0%	73.7%●	20.2%	23.5%	23.0%	10.9%
ROA	3.4%	2.0%	5.3%●	1.8%	1.9%	1.3%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	GARAN	AKBNK	ENPRA	ISCTR	YKBNK	VAKBN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	24.7%	46.1%	428.5%●	71.8%	85.7%	34.4%	19.4%
Div. Yield	—	—	—	—	—	—	2.5%
Payout	—	—	—	—	—	—	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.