QNB Bank A.S. (IST:QNBTR)

Turkey · Delayed Price · Currency is TRY

162.50

+9.50 (6.21%)

At close: Nov 4, 2026

QNB Bank A.S. Financials Overview

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

Millions TRY. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	145,700	124,801	83,666	62,655	41,582	10,480
Revenue Growth	23.76%	49.17%	33.54%	50.68%	296.77%	33.09%
Net Income	57,506	47,815	36,174	33,173	17,224	3,907
Earnings Per Share	10.46	8.69	6.58	6.03	3.13	0.71
EPS Growth	34.02%	32.18%	9.05%	92.60%	340.88%	41.87%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Retail Banking Operating Income	87,768	91,312	67,074	44,035	13,442	6,790
Corporate and Commercial Banking Operating Income	48,144	42,556	33,046	25,263	11,860	4,828
Treasury and Head Office Operating Income	41,218	28,111	1,221	5,481	21,596	2,174

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	538,293	202,765	190,189	138,710	97,828	70,957
Total Debt	874,891	583,094	454,143	244,118	134,897	110,369
Net Cash (Debt)	-336,598	-380,329	-263,954	-105,409	-37,069	-39,413
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-61.20	-69.15	-47.99	-19.17	-6.74	-7.17

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-	-174,621	-126,870	-103,534	-94,440	-35,730
Capital Expenditures	-	-9,708	-9,225	-	-	-790.68
Free Cash Flow	-	-184,328	-136,095	-103,534	-94,440	-36,521
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	39.47%	38.31%	43.24%	52.95%	41.42%	37.28%
FCF Margin	-	-147.70%	-162.66%	-165.25%	-227.12%	-348.48%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 5, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	15.54	31.63	24.59	29.06	10.41	33.70
PS Ratio	6.13	12.12	10.63	15.39	4.31	12.56