{ "schema_version": 1, "company": { "id": "1063", "ticker": "RAYSG", "name": "RAY SİGORTA A.Ş.", "city": "İSTANBUL", "auditor": "KPMG BAĞIMSIZ DENETİM VE SERBEST MUHASEBECİ MALİ MÜŞAVİRLİK A.Ş.", "source_url": "https://www.kap.org.tr/tr/sirket-bilgileri/ozet/1063-ray-sigorta-a-s", "financial_url": "https://www.kap.org.tr/tr/sirket-finansal-bilgileri/1063-ray-sigorta-a-s", "slug": "1063-raysg" }, "kind": "insurance", "default_period": "2026/06", "periods": [ { "period": "2023/12", "label": "Aralık 2023", "date": "2023-12-31", "non_december": false, "period_duration_months": null, "period_length_source": "not provided in summary", "metrics": { "assets": { "value": 10864865541, "source_value": 10864865541, "source_unit": "TL", "source_label": "Toplam Varlıklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "equity": { "value": 2015755915, "source_value": 2015755915, "source_unit": "TL", "source_label": "Özkaynaklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "current_assets": { "value": 10039322369, "source_value": 10039322369, "source_unit": "TL", "source_label": "Cari Varlıklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "short_liabilities": { "value": 8637489259, "source_value": 8637489259, "source_unit": "TL", "source_label": "Kısa Vadeli Yükümlülükler", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "long_liabilities": { "value": 211620367, "source_value": 211620367, "source_unit": "TL", "source_label": "Uzun Vadeli Yükümlülükler", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "net_profit": { "value": 901936203, "source_value": 901936203, "source_unit": "TL", "source_label": "DÖNEM NET KÂRI VEYA ZARARI", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "parent_profit": { "value": 901936203, "source_value": 901936203, "source_unit": "TL", "source_label": "Dönem Kârının (Zararının) Dağılımı, Ana Ortaklık Payları", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "technical_result": { "value": 1046167829, "source_value": 1046167829, "source_unit": "TL", "source_label": "GENEL TEKNİK BÖLÜM DENGESİ", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "investment_income": { "value": 2624660831, "source_value": 2624660831, "source_unit": "TL", "source_label": "Yatırım Gelirleri", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "investment_expense": { "value": -2454478862, "source_value": -2454478862, "source_unit": "TL", "source_label": "Yatırım Giderleri", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "liabilities": { "value": 8849109626, "derived": "assets_minus_equity", "inputs": [ "assets", "equity" ], "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock" } }, "ratios": { "gross_margin": null, "operating_margin": null, "net_margin": null, "equity_share": 0.185529761725378, "liability_share": 0.8144702382746221, "current_ratio": null, "deposit_share": null, "borrowing_share": null, "short_liability_share": 0.9760856881715841, "liability_equity": 4.389970809536233 }, "derived": {}, "profit_status": "profit", "balance_reconciled": true, "diagnostics": [] }, { "period": "2024/12", "label": "Aralık 2024", "date": "2024-12-31", "non_december": false, "period_duration_months": null, "period_length_source": "not provided in summary", "metrics": { "assets": { "value": 25623099046, "source_value": 25623099046, "source_unit": "TL", "source_label": "Toplam Varlıklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "equity": { "value": 4369253366, "source_value": 4369253366, "source_unit": "TL", "source_label": "Özkaynaklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "current_assets": { "value": 24561925855, "source_value": 24561925855, "source_unit": "TL", "source_label": "Cari Varlıklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "short_liabilities": { "value": 20707237682, "source_value": 20707237682, "source_unit": "TL", "source_label": "Kısa Vadeli Yükümlülükler", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "long_liabilities": { "value": 546607998, "source_value": 546607998, "source_unit": "TL", "source_label": "Uzun Vadeli Yükümlülükler", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "net_profit": { "value": 2211988094, "source_value": 2211988094, "source_unit": "TL", "source_label": "DÖNEM NET KÂRI VEYA ZARARI", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "parent_profit": { "value": 2211988094, "source_value": 2211988094, "source_unit": "TL", "source_label": "Dönem Kârının (Zararının) Dağılımı, Ana Ortaklık Payları", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "technical_result": { "value": 2843834148, "source_value": 2843834148, "source_unit": "TL", "source_label": "GENEL TEKNİK BÖLÜM DENGESİ", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "investment_income": { "value": 3606165317, "source_value": 3606165317, "source_unit": "TL", "source_label": "Yatırım Gelirleri", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "investment_expense": { "value": -3235481404, "source_value": -3235481404, "source_unit": "TL", "source_label": "Yatırım Giderleri", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "liabilities": { "value": 21253845680, "derived": "assets_minus_equity", "inputs": [ "assets", "equity" ], "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock" } }, "ratios": { "gross_margin": null, "operating_margin": null, "net_margin": null, "equity_share": 0.17052009821903572, "liability_share": 0.8294799017809643, "current_ratio": null, "deposit_share": null, "borrowing_share": null, "short_liability_share": 0.9742819249640849, "liability_equity": 4.864411353525521 }, "derived": {}, "profit_status": "profit", "balance_reconciled": true, "diagnostics": [] }, { "period": "2025/12", "label": "Aralık 2025", "date": "2025-12-31", "non_december": false, "period_duration_months": null, "period_length_source": "not provided in summary", "metrics": { "assets": { "value": 41036601385, "source_value": 41036601385, "source_unit": "TL", "source_label": "Toplam Varlıklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "equity": { "value": 8440703470, "source_value": 8440703470, "source_unit": "TL", "source_label": "Özkaynaklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "current_assets": { "value": 39422590131, "source_value": 39422590131, "source_unit": "TL", "source_label": "Cari Varlıklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "short_liabilities": { "value": 31062686288, "source_value": 31062686288, "source_unit": "TL", "source_label": "Kısa Vadeli Yükümlülükler", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "long_liabilities": { "value": 1533211627, "source_value": 1533211627, "source_unit": "TL", "source_label": "Uzun Vadeli Yükümlülükler", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "net_profit": { "value": 3737213074, "source_value": 3737213074, "source_unit": "TL", "source_label": "DÖNEM NET KÂRI VEYA ZARARI", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "parent_profit": { "value": 3737213074, "source_value": 3737213074, "source_unit": "TL", "source_label": "Dönem Kârının (Zararının) Dağılımı, Ana Ortaklık Payları", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "technical_result": { "value": 4995436395, "source_value": 4995436395, "source_unit": "TL", "source_label": "GENEL TEKNİK BÖLÜM DENGESİ", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "investment_income": { "value": 8926496498, "source_value": 8926496498, "source_unit": "TL", "source_label": "Yatırım Gelirleri", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "investment_expense": { "value": -8029059857, "source_value": -8029059857, "source_unit": "TL", "source_label": "Yatırım Giderleri", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "liabilities": { "value": 32595897915, "derived": "assets_minus_equity", "inputs": [ "assets", "equity" ], "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock" } }, "ratios": { "gross_margin": null, "operating_margin": null, "net_margin": null, "equity_share": 0.20568719594516197, "liability_share": 0.7943128040548381, "current_ratio": null, "deposit_share": null, "borrowing_share": null, "short_liability_share": 0.9529630497985316, "liability_equity": 3.8617513375339554 }, "derived": {}, "profit_status": "profit", "balance_reconciled": true, "diagnostics": [] }, { "period": "2026/06", "label": "Haziran 2026", "date": "2026-06-30", "non_december": true, "period_duration_months": null, "period_length_source": "not provided in summary", "metrics": { "assets": { "value": 44215680355, "source_value": 44215680355, "source_unit": "TL", "source_label": "Toplam Varlıklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "equity": { "value": 10353930412, "source_value": 10353930412, "source_unit": "TL", "source_label": "Özkaynaklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "current_assets": { "value": 42538056913, "source_value": 42538056913, "source_unit": "TL", "source_label": "Cari Varlıklar", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "short_liabilities": { "value": 31979197500, "source_value": 31979197500, "source_unit": "TL", "source_label": "Kısa Vadeli Yükümlülükler", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "long_liabilities": { "value": 1882552443, "source_value": 1882552443, "source_unit": "TL", "source_label": "Uzun Vadeli Yükümlülükler", "source_table": "FİNANSAL DURUM TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock", "unit_factor": 1 }, "net_profit": { "value": 1896687175, "source_value": 1896687175, "source_unit": "TL", "source_label": "DÖNEM NET KÂRI VEYA ZARARI", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "parent_profit": { "value": 1896687175, "source_value": 1896687175, "source_unit": "TL", "source_label": "Dönem Kârının (Zararının) Dağılımı, Ana Ortaklık Payları", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "technical_result": { "value": 2242198893, "source_value": 2242198893, "source_unit": "TL", "source_label": "GENEL TEKNİK BÖLÜM DENGESİ", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "investment_income": { "value": 4767189122, "source_value": 4767189122, "source_unit": "TL", "source_label": "Yatırım Gelirleri", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "investment_expense": { "value": -4016116403, "source_value": -4016116403, "source_unit": "TL", "source_label": "Yatırım Giderleri", "source_table": "KAR VEYA ZARAR VE DİĞER KAPSAMLI GELİR TABLOSU", "consolidation": "Konsolide Olmayan", "basis": "reported_income_period", "unit_factor": 1 }, "liabilities": { "value": 33861749943, "derived": "assets_minus_equity", "inputs": [ "assets", "equity" ], "consolidation": "Konsolide Olmayan", "basis": "balance_sheet_stock" } }, "ratios": { "gross_margin": null, "operating_margin": null, "net_margin": null, "equity_share": 0.23416874576779312, "liability_share": 0.7658312542322069, "current_ratio": null, "deposit_share": null, "borrowing_share": null, "short_liability_share": 0.9444047503106329, "liability_equity": 3.2704247175309296 }, "derived": {}, "profit_status": "profit", "balance_reconciled": true, "diagnostics": [] } ], "retrieved_at": "2026-10-25T10:28:48Z", "source": { "producer": "RAY SİGORTA A.Ş.", "distributor": "KAP / MKK", "url": "https://www.kap.org.tr/tr/sirket-finansal-bilgileri/1063-ray-sigorta-a-s", "access": "public_html" }, "scope": "Reported current-column financials; no peer rank, investment rating, restated growth or assumed fiscal-year start", "formulas": { "margins": "corresponding profit / revenue, same report column and consolidation", "equity_share": "equity / assets; accounting ratio, not regulatory capital adequacy", "liability_equity": "total liabilities / positive equity; not interest-bearing debt / equity", "current_ratio": "current_assets / short_liabilities, non-financial operating companies only", "working_capital": "current_assets - short_liabilities", "liabilities_if_not_reported": "assets - equity; never use bank liabilities-plus-equity total as liabilities" } }