Yapi ve Kredi Bankasi A.S. (IST:YKBNK)

IST:YKBNK 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	222,137	187,655	113,607	132,405	93,027	24,811
Revenue Growth	58.58%	65.18%	-14.20%	42.33%	274.95%	54.02%
Net Income Net Income Growth	55,352	47,090	29,017	68,009	52,745	10,490
Earnings Per Share EPS Growth	6.55	5.57	3.44	8.05	6.24	1.24
EPS Growth	61.09%	62.29%	-57.33%	28.94%	402.82%	106.51%

Revenue by Segment

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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
Retail Banking (Incl. Private Banking and Wealth Management) Retail Banking (Incl. Private Banking and Wealth Management) Growth	113,970	115,166	80,808	58,498	20,937	9,801
Corporate Banking Corporate Banking Growth	21,147	17,697	18,506	12,587	6,563	2,988
Commercial and SME Banking Commercial and SME Banking Growth	67,796	60,874	53,651	42,970	18,277	7,186
Other Foreign Operations Other Foreign Operations Growth	7,079	6,441	5,207	3,213	1,450	623.47
Other Domestic Operations Other Domestic Operations Growth	23,755	19,426	13,828	8,820	3,963	2,131
Treasury, Asset Liability Management and Other Treasury, Asset Liability Management and Other Growth	51,669	19,375	55,157	30,689	64,397	12,290
Consolidation Adjustments Consolidation Adjustments Growth	-463.45	-344.45	-222.22	-138.08	-38.68	-8.72
Total Total Growth	284,953	238,635	226,935	156,639	115,548	35,010

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	508,565	491,600	389,695	274,030	157,452	142,116
Total Debt Total Debt Growth	1,144,926	963,138	730,808	373,371	239,095	229,510
Net Cash (Debt) Net Cash Growth	-636,361	-471,538	-341,113	-99,341	-81,643	-87,394
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-75.34	-55.82	-40.38	-11.76	-9.67	-10.35

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	-593,301	-704,156	-232,831	-226,604	-241,200	-127,505
Capital Expenditures CapEx Growth	-7,137	-6,235	-4,936	-2,835	-1,612	-792.21
Free Cash Flow Free Cash Flow Growth	-600,439	-710,392	-237,768	-229,439	-242,812	-128,297
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	24.92%	25.09%	25.54%	51.36%	56.70%	42.28%
FCF Margin	-270.30%	-378.56%	-209.29%	-173.29%	-261.01%	-517.10%

Dividends

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Fiscal Year	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	1.210	0.936	0.118
Dividend Per Share Growth	29.20%	690.96%	-
Dividend Yield	6.46%	9.03%	4.08%

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	5.20	6.50	8.91	2.43	1.89	2.72
Forward PE	3.28	3.57	4.46	2.46	2.53	2.81
PS Ratio	1.30	1.63	2.28	1.25	1.07	1.15

Data Source: S&P Global Market Intelligence 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.

Update frequency:

Quarterly

Last checked:

Aug 11, 2026

Data Sources Report a data error