YKBNK PEER ANALYSIS

Yapi ve Kredi Bankasi A.S. — metric-by-metric comparison with peers and the industry median

YKBNKYapi ve Kredi 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

YKBNKIndustry 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	YKBNK	FNB	GBCI	PB	UBSI	HWC	Ind. Median
P/E	5.74●	11.78	25.67	13.42	12.91	14.91	12.96
P/B	1.18	1.02	1.61	0.86●	1.19	1.40	1.29
EV/EBITDA	-3.72●	13.65	3.02	9.20	2.80	12.99	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	YKBNK	FNB	GBCI	PB	UBSI	HWC	Ind. Median
Current Ratio	—	0.21	0.30	0.68	33.20●	0.51	0.31
Debt/Equity	0.0%●	61.1%	56.7%	30.4%	14.4%	38.0%	38.0%
NetDebt/EBITDA	-9.43	4.77	-13.89●	0.71	-7.39	2.00	-0.58

Profitability
Metric	YKBNK	FNB	GBCI	PB	UBSI	HWC	Ind. Median
Net Margin	23.3%	21.6%	17.7%	31.2%●	27.5%	21.4%	20.6%
ROE	23.5%●	8.9%	7.1%	6.7%	9.3%	9.5%	10.9%
ROA	1.9%●	1.2%	0.9%	1.3%	1.5%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	YKBNK	FNB	GBCI	PB	UBSI	HWC	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	85.7%●	27.5%	25.7%	5.9%	36.2%	-12.2%	19.4%
Div. Yield	—	2.5%	2.5%	3.2%●	3.2%	2.5%	2.5%
Payout	—	29.5%	61.0%	42.9%	42.0%	37.8%	31.4%

Valuation
Metric	YKBNK	VAKBN	HALKB	ISCTR	AKBNK	GARAN	Ind. Median
P/E	5.74	4.86	10.63	4.71●	6.12	4.73	12.96
P/B	1.18	0.95	1.39	0.84●	1.27	1.24	1.29
EV/EBITDA	-3.72	-5.61	-19.45●	-17.10	-1.68	-0.05	9.32
P/S	—	—	—	—	—	—	—

Financial Health
Metric	YKBNK	VAKBN	HALKB	ISCTR	AKBNK	GARAN	Ind. Median
Current Ratio	—	—	—	—	—	—	0.31
Debt/Equity	0.0%●	0.0%●	0.0%●	0.0%●	0.0%●	0.0%●	38.0%
NetDebt/EBITDA	-9.43	-8.98	-33.00●	-28.33	-7.12	-4.60	-0.58

Profitability
Metric	YKBNK	VAKBN	HALKB	ISCTR	AKBNK	GARAN	Ind. Median
Net Margin	23.3%	21.4%	16.6%	28.1%	27.4%	31.2%●	20.6%
ROE	23.5%	23.0%	15.4%	20.2%	23.0%	30.0%●	10.9%
ROA	1.9%	1.3%	0.8%	1.8%	2.0%	3.4%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	YKBNK	VAKBN	HALKB	ISCTR	AKBNK	GARAN	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	85.7%●	34.4%	21.9%	71.8%	46.1%	24.7%	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 3, 26. This content is for informational purposes only and is not investment advice.