Creditwest Faktoring AS (CRDFA) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of Creditwest Faktoring AS stock TRY 18.10, price TRY 8.05, upside +124.8%, quality 44 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range 0.5013 TRY – 44.64 TRY · fair‑value band 14.81 TRY – 20.37 TRY · the 8.05 TRY price screens below the 18.10 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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Creditwest Faktoring Anonim Sirketi provides factoring services for domestic and international transactions. The company was formerly known as Creditwest Faktoring Hizmetleri A.S. and changed its name to Creditwest Faktoring Anonim Sirketi in July 2012.
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Creditwest Faktoring Anonim Sirket was founded in 1994 and is headquartered in Istanbul, Turkey.
Stock analysis
Creditwest Faktoring AS (CRDFA) currently trades at 8.05 TRY, while our model-based Fair Value estimate is 18.10 TRY, implying the stock looks roughly 56% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 25.38 TRY per share, and 3 of the 5 models we run sit above the 8.05 TRY price.
Bear case: the Asset-Based group reads lowest at 3.97 TRY, and 2 of the 5 models stay below the price. Data coverage for this calculation is low.
Scenario range: 14.81 TRY (bear) to 20.37 TRY (bull), the price of 8.05 TRY sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Creditwest Faktoring AS reported revenue of 1.0B TRY in FY2025 versus 96.6M TRY in FY2021, a compound +80.9%/yr. Reported net income was 916M TRY in FY2025, compounding +186.9%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 2.4B TRY (≈ $48.3M) Micro · P/E ratio 2.8 · P/S ratio 2.47 · EPS (TTM) 2.89 TRY · Net margin 88.5% · Return on equity 115% · Return on assets (EBIT) 7.5% · Operating margin 77.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 58 out of 100 (low confidence).
What moves the price
The share trades about 82% below its 52-week high and 10% above its 52-week low.
For context, the median of 10 Financial Services peers we cover trades at 6% fair-value upside, at 125%, CRDFA screens cheaper than that median.
Fair Value models
Bear14.81 TRYFair Value 18.10 TRYBull20.37 TRY
Price 8.05 TRY · Upside +124.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (2.44 TRY per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+62.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+86.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+76.5%
Start year 2020 (pandemic). Over 10 years: +23.6% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.7%
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What shareholders gained per year (last 5 years), in TRY (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in TRY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+33.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+33.0%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 25%
2025 sits 913% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 286 stocks
Beats the industry median on 9/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score44 · Below median
Fair Value upside+124.8% · Top 25%
Profitability
Return on equity (12 months)115.3% · Top 25%
Return on assets28.5% · Top 25%
Net margin (12 months)159.1% · Top 25%
Operating margin (12 months)77.8% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)37.6% · Top 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Creditwest Faktoring AS Fair Value". https://www.fairvalue-calculator.com/stock/CRDFA
Frequently asked questions
Is Creditwest Faktoring AS (CRDFA) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of 18.10 TRY versus a price of 8.05 TRY, about +125% upside (undervalued).
What is the fair value of CRDFA?
Our model-based fair value for Creditwest Faktoring AS is 18.10 TRY (as of Nov 3, 2026), built from audited fundamentals. The current price: 8.05 TRY.
What is the quality score of CRDFA?
Creditwest Faktoring AS has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Creditwest Faktoring AS (CRDFA)?
Our model-based price target is the fair value of 18.10 TRY (as of Nov 3, 2026) from 5 valuation models. Cautious scenario 14.81 TRY, optimistic scenario 20.37 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Creditwest Faktoring AS stock forecast for 2026?
Our models put fair value at 18.10 TRY, about +125% upside versus a price of 8.05 TRY (undervalued). Cautious scenario 14.81 TRY, optimistic scenario 20.37 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Creditwest Faktoring AS (CRDFA)?
Creditwest Faktoring AS reported trailing-twelve-month revenue of about 1.2B TRY (latest available figure, as of Nov 3, 2026).
What is the intrinsic value of Creditwest Faktoring AS (CRDFA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Creditwest Faktoring AS it is 18.10 TRY per share (as of Nov 3, 2026), against a price of 8.05 TRY. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is Creditwest Faktoring AS stock overvalued or undervalued in 2026?
As of Nov 3, 2026, CRDFA trades below its calculated fair value: price 8.05 TRY, fair value 18.10 TRY, a gap of about +125% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CRDFA?
No. The price is what the market pays today (8.05 TRY); the fair value is what the company's own numbers justify (18.10 TRY). For Creditwest Faktoring AS the two are 10.05 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Creditwest Faktoring AS worth?
The market values Creditwest Faktoring AS at about 2.4B TRY (market capitalisation, as of Nov 3, 2026). Per share that is 8.05 TRY; our models calculate a fair value of 18.10 TRY per share.
What do the bullish and bearish scenarios say about CRDFA?
Our models span a range for Creditwest Faktoring AS: cautious scenario 14.81 TRY, base 18.10 TRY, optimistic 20.37 TRY per share (as of Nov 3, 2026, price 8.05 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CRDFA?
Creditwest Faktoring AS trades at a price-to-earnings ratio of 2.8 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 18.10 TRY is built from several models across several years. Other multiples: P/B 1.7, P/S 2.0, EV/EBITDA 2.4.
How solid is the balance sheet of Creditwest Faktoring AS (CRDFA)?
Balance-sheet figures for Creditwest Faktoring AS (as of Nov 3, 2026): return on equity 115.3%. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is CRDFA from its 52-week high?
Creditwest Faktoring AS trades at 8.05 TRY, about 82% below its 52-week high of 44.64 TRY and 10% above the low of 7.29 TRY (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of 18.10 TRY is for.
Which stocks are comparable to Creditwest Faktoring AS?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Creditwest Faktoring AS stock attractive at the current price?
The data as of Nov 3, 2026: price 8.05 TRY, calculated fair value 18.10 TRY (+125%), Quality Score 44/100, from 5 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CRDFA calculated?
We run Creditwest Faktoring AS through 5 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 18.10 TRY, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5% above its aggregate fair value. Creditwest Faktoring AS currently trades 56% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Creditwest Faktoring AS (CRDFA)?
The closing price on Nov 4, 2026 was 8.05 TRY. Our model-based fair value is 18.10 TRY, about +125% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Creditwest Faktoring AS right now?
The large discount to fair value meets weak quality (44/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (14.81 TRY). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Creditwest Faktoring AS
How large is the market capitalisation of Creditwest Faktoring AS (CRDFA)?
The market capitalisation of Creditwest Faktoring AS is 2.4B TRY (≈ $48.3M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Creditwest Faktoring AS (CRDFA)?
The price-to-sales ratio of Creditwest Faktoring AS is 2.47 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Creditwest Faktoring AS (CRDFA)?
Earnings per share at Creditwest Faktoring AS are 2.89 TRY (price ÷ EPS = P/E 2.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Creditwest Faktoring AS (CRDFA)?
The net margin of Creditwest Faktoring AS is 88.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Creditwest Faktoring AS (CRDFA)?
The return on equity (ROE) of Creditwest Faktoring AS is 115% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Creditwest Faktoring AS (CRDFA)?
On an EBIT basis the return on assets of Creditwest Faktoring AS is 7.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Creditwest Faktoring AS (CRDFA)?
The operating margin of Creditwest Faktoring AS is 77.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Creditwest Faktoring AS (CRDFA)?
Revenue at Creditwest Faktoring AS is growing +37.6% versus a year earlier (3y avg +86.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Creditwest Faktoring AS (CRDFA)?
Earnings per share at Creditwest Faktoring AS are growing +748% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Creditwest Faktoring AS (CRDFA) generate?
The free cash flow of Creditwest Faktoring AS is −1.1B TRY (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Creditwest Faktoring AS (CRDFA) carry?
The net debt of Creditwest Faktoring AS is 1.6B TRY (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 3, 2026