ANHYT.E (Anadolu Hayat Emeklilik AS) vs BIST 100 Comparison

ANHYT.E

BIST 100

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1Y 3Y 5Y 10Y 15Y 20Y

ANHYT.E

BIST 100

Difference

1Y 3Y 5Y 10Y 15Y 20Y

ANHYT.E

BIST 100

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BIST 100

ANHYT.E

601628

601318

1299

LICI

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Anadolu Hayat Emeklilik AS
Glance View

Market Cap

33B TRY

Industry

Insurance

In the bustling world of Turkey's financial landscape, Anadolu Hayat Emeklilik AS emerges as a pivotal player in the insurance and pension sector. Founded as part of the Türkiye İş Bankası Group, one of the foremost banking institutions in the country, Anadolu Hayat Emeklilik AS has carved out a prominent niche for itself in the life insurance and private pension arenas. The company leverages its extensive banking network and strategic partnerships to offer a diverse array of financial products designed to cater to various customer needs, ranging from life insurance plans that provide financial security to individuals and their families, to comprehensive pension schemes that encourage long-term savings. The focus on customer-centric solutions, innovation in product offerings, and robust risk management practices illustrate how Anadolu Hayat Emeklilik AS has successfully navigated the complexities of the insurance market. The core of how Anadolu Hayat Emeklilik AS operates and generates revenue lies in its dual offerings of life insurance and private pension plans. Through life insurance policies, the company manages customer risk by collecting premiums and providing payouts in the event of policyholder-defined incidents, such as death or critical illness. This insurance model allows them to create a steady income stream from premium payments while balancing risk through actuarial assessments and investments. The private pension arm taps into the growing demand for retirement planning, enabling individuals to contribute regularly to pension funds, which the company invests in a variety of assets—ranging from government bonds to equities—to grow over time. Anadolu Hayat Emeklilik AS thus earns through management fees on these pensions while ensuring fund performance aligns with clients’ long-term financial goals. This dynamic interplay between premium income and investment savvy allows Anadolu Hayat Emeklilik AS to maintain financial stability and growth, bolstering its reputation as a reliable custodian of its clients' financial futures.

View ANHYT.E Analysis

ANHYT.E Intrinsic Value

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

ZA	S	Sanlam Ltd JSE:SLM	Add
CN		China Life Insurance Co Ltd SSE:601628	Add
ZA	D	Discovery Ltd JSE:DSY	Add
CN		Ping An Insurance Group Co of China Ltd SSE:601318	Add
ZA	O	OUTsurance Group Ltd JSE:OUT	Add
HK		AIA Group Ltd HKEX:1299	Add
IN		Life Insurance Corporation Of India NSE:LICI	Add
US		Aflac Inc NYSE:AFL	Add
ZA	O	Old Mutual Ltd JSE:OMU	Add
CA		Manulife Financial Corp TSX:MFC	Add

ZA	S	Sanlam Ltd JSE:SLM	Select
CN		China Life Insurance Co Ltd SSE:601628	Select
ZA	D	Discovery Ltd JSE:DSY	Select
CN		Ping An Insurance Group Co of China Ltd SSE:601318	Select
ZA	O	OUTsurance Group Ltd JSE:OUT	Select
HK		AIA Group Ltd HKEX:1299	Select
IN		Life Insurance Corporation Of India NSE:LICI	Select
US		Aflac Inc NYSE:AFL	Select
ZA	O	Old Mutual Ltd JSE:OMU	Select
CA		Manulife Financial Corp TSX:MFC	Select

ZA	S	Sanlam Ltd JSE:SLM	Add
CN		China Life Insurance Co Ltd SSE:601628	Add
ZA	D	Discovery Ltd JSE:DSY	Add
CN		Ping An Insurance Group Co of China Ltd SSE:601318	Add
ZA	O	OUTsurance Group Ltd JSE:OUT	Add
HK		AIA Group Ltd HKEX:1299	Add
IN		Life Insurance Corporation Of India NSE:LICI	Add
US		Aflac Inc NYSE:AFL	Add
ZA	O	Old Mutual Ltd JSE:OMU	Add
CA		Manulife Financial Corp TSX:MFC	Add

MX	M	Mexico S&P/BMV IPC INDX:MXX	Add
PK	K	Karachi 100 INDX:KSE100	Add
SA	T	Tadawul All Share INDX:TASI	Add
TH	S	SET Index INDX:SET	Add
ID	J	Jakarta Composite Index INDX:JKSE	Add
GR	A	Athens General Composite INDX:ATG	Add
BR	B	BOVESPA INDX:BVSP	Add
AR	S	S&P Merval INDX:MERV	Add
CZ	P	PX Prague Stock Index INDX:PX	Add
RU	M	MOEX Russia INDX:IMOEX	Add

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ANHYT.E

vs

BIST 100

Stocks Performance
ANHYT.E vs BIST 100

Performance Gap
ANHYT.E vs BIST 100

Performance By Year
ANHYT.E vs BIST 100

Competitors Performance
Anadolu Hayat Emeklilik AS vs Peers

Anadolu Hayat Emeklilik AS
Glance View

Company

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ANHYT.E vs BIST 100

Stocks Performance ANHYT.E vs BIST 100

Performance Gap ANHYT.E vs BIST 100

Performance By Year ANHYT.E vs BIST 100

Competitors Performance Anadolu Hayat Emeklilik AS vs Peers

Anadolu Hayat Emeklilik AS Glance View

Company

Help

Tools

Stocks

ANHYT.E

vs

BIST 100

Stocks Performance
ANHYT.E vs BIST 100

Performance Gap
ANHYT.E vs BIST 100

Performance By Year
ANHYT.E vs BIST 100

Competitors Performance
Anadolu Hayat Emeklilik AS vs Peers

Anadolu Hayat Emeklilik AS
Glance View