QNB Bank A.S. (IST:QNBTR)

QNB Bank A.S. Financials Overview

Financials in millions TRY. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	140,162	124,801	83,666	62,655	41,582	10,480
Revenue Growth	30.72%	49.17%	33.54%	50.68%	296.77%	33.09%
Net Income Net Income Growth	55,191	47,815	36,174	33,173	17,224	3,907
Earnings Per Share EPS Growth	-	8.69	6.58	6.03	3.13	0.71
EPS Growth	-	32.18%	9.05%	92.60%	340.88%	41.87%

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Retail Banking Operating Income Retail Banking Operating Income Growth	91,312	91,312	67,074	44,035	13,442	6,790
Corporate and Commercial Banking Operating Income Corporate and Commercial Banking Operating Income Growth	42,556	42,556	33,046	25,263	11,860	4,828
Treasury and Head Office Operating Income Treasury and Head Office Operating Income Growth	28,111	28,111	1,221	5,481	21,596	2,174

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	426,088	202,765	190,189	138,710	97,828	70,957
Total Debt Total Debt Growth	720,089	583,094	454,143	244,118	134,897	110,369
Net Cash (Debt) Net Cash Growth	-294,001	-380,329	-263,954	-105,409	-37,069	-39,413
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-	-69.15	-47.99	-19.17	-6.74	-7.17

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-118,021	-174,621	-126,870	-103,534	-94,440	-35,730
Capital Expenditures CapEx Growth	-10,700	-9,708	-9,225	-	-	-790.68
Free Cash Flow Free Cash Flow Growth	-128,722	-184,328	-136,095	-103,534	-94,440	-36,521
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Profit Margin	39.38%	38.31%	43.24%	52.95%	41.42%	37.28%
FCF Margin	-91.84%	-147.70%	-162.66%	-165.25%	-227.12%	-348.48%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 12, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	19.19	31.63	24.59	29.06	10.41	33.70
PS Ratio	7.56	12.12	10.63	15.39	4.31	12.56

Data Sources: S&P Global Market Intelligence and Fiscal.ai Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company. Revenue segment data is provided by Fiscal.ai.

Update frequency:

Quarterly

Last checked:

Aug 11, 2026

Data Sources Report a data error