Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV) fair value: what the stock is really worth
As of Nov 11, 2026: fair value (intrinsic value) of Katilimevim Tasarruf Finansman Anonim Sirketi stock TRY 9.72, price TRY 6.13, upside +58.6%, quality 76 out of 100. Rating: strongly undervalued. Calculated from audited financials with 12 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
41‑month range 0.3407 TRY – 69.00 TRY · fair‑value band 6.58 TRY – 14.65 TRY · the 6.13 TRY price screens below the 9.72 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Katilimevim Tasarruf Finansman Anonim Sirketi provides interest-free and maturity-free car financing in Türkiye. It also engages in the rental and management of shopping malls and commercial properties. The company was incorporated in 2018 and is based in Istanbul, Turkey.
Stock analysis
Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV) currently trades at 6.13 TRY, while our model-based Fair Value estimate is 9.72 TRY, implying the stock looks roughly 37% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 50.79 TRY per share, and 8 of the 12 models we run sit above the 6.13 TRY price.
Bear case: the Asset-Based group reads lowest at 1.06 TRY, and 4 of the 12 models stay below the price. Data coverage for this calculation is low.
Scenario range: 6.58 TRY (bear) to 14.65 TRY (bull), the price of 6.13 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 76/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Katilimevim Tasarruf Finansman Anonim Sirketi reported revenue of 17.4B TRY in FY2025 versus 190M TRY in FY2021, a compound +209.4%/yr. Reported net income was 8.6B TRY in FY2025, compounding +321.9%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 42.9B TRY (≈ $854M) Small · P/E ratio 1.8 · P/S ratio 0.91 · EPS (TTM) 3.35 TRY · Dividend yield 0.6% · Net margin 49.6% · Return on equity 141% · Return on assets 49.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 78 out of 100 (medium confidence).
What moves the price
The share trades about 91% below its 52-week high and 84% above its 52-week low.
For context, the median of 10 Financial Services peers we cover trades at −2% fair-value upside, at 59%, KTLEV screens cheaper than that median.
Fair Value models
Bear6.58 TRYFair Value 9.72 TRYBull14.65 TRY
Price 6.13 TRY · Upside +58.6%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
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 (2.90 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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+233.2%
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.
+236.5%
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.
+186.7%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in TRY ⓘ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. 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.
≈ +73.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+72.8%
Dividend (yield on the price)0.6%
⚠ Approximate: the rate leans on 2025, which sits 1,049% above its own trend.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−19.4%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Turkey: IMF forecast 19.3% a year to 2030, 28.5% from 2016 to 2025) that is about −32.4% a year for the price.
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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 · 327 stocks
Beats the industry median on 9/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score76 · Top 25%
Fair Value upside+58.6% · Above median
Profitability
Return on equity (12 months)141.4% · Top 25%
Return on assets18.2% · Top 25%
Net margin (12 months)159.0% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)86.9% · Top 25%
Dividend yield (12 months)0.6% · Bottom 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)1.8× · Cheapest 25%
P/B3.77× · Priciest 25%
P/S (12 months)2.38× · Cheaper than median
Price / free cash flow (fiscal year)2.9× · Cheaper than median
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Is Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 9.72 TRY versus a price of 6.13 TRY, about +59% upside (undervalued).
What is the fair value of KTLEV?
Our model-based fair value for Katilimevim Tasarruf Finansman Anonim Sirketi is 9.72 TRY (as of Nov 7, 2026), built from audited fundamentals. The current price: 6.13 TRY.
What is the quality score of KTLEV?
Katilimevim Tasarruf Finansman Anonim Sirketi has a Quality Score of 76/100. 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 Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
Our model-based price target is the fair value of 9.72 TRY (as of Nov 7, 2026) from 12 valuation models. Cautious scenario 6.58 TRY, optimistic scenario 14.65 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Katilimevim Tasarruf Finansman Anonim Sirketi stock forecast for 2026?
Our models put fair value at 9.72 TRY, about +59% upside versus a price of 6.13 TRY (undervalued). Cautious scenario 6.58 TRY, optimistic scenario 14.65 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
Katilimevim Tasarruf Finansman Anonim Sirketi reported trailing-twelve-month revenue of about 18.1B TRY (latest available figure, as of Nov 7, 2026).
Does Katilimevim Tasarruf Finansman Anonim Sirketi pay a dividend?
Katilimevim Tasarruf Finansman Anonim Sirketi currently shows a dividend yield of 0.64% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
Katilimevim Tasarruf Finansman Anonim Sirketi has a dividend yield of 0.6%.
What growth is priced into Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
For today's price to be fair in a discounted-cash-flow model, Katilimevim Tasarruf Finansman Anonim Sirketi would have to grow free cash flow by -19.4 % per year for five years (discount rate 15.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +186.7 % per year. As of Nov 7, 2026.
What discount rate (WACC) does the fair value of KTLEV use?
Our models discount Katilimevim Tasarruf Finansman Anonim Sirketi at 15.3 %: a base by market capitalisation (small), damped by beta 0.91, country premium for Turkey. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Katilimevim Tasarruf Finansman Anonim Sirketi that is -19.4 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (15.3 %) and the same formula as our fair value.
How much growth has Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV) delivered so far?
Over the past 5 years revenue at Katilimevim Tasarruf Finansman Anonim Sirketi grew +186.7 % a year. The price currently implies free-cash-flow growth of -19.4 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV) growing?
The median revenue growth in the sector is +8.9 % a year. That is the yardstick for the growth priced into Katilimevim Tasarruf Finansman Anonim Sirketi (-19.4 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
The free-cash-flow yield on the price is 34.78 %: that much free cash flow Katilimevim Tasarruf Finansman Anonim Sirketi produces per unit of market value. When it exceeds the discount rate of our models (15.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Katilimevim Tasarruf Finansman Anonim Sirketi it is 9.72 TRY per share (as of Nov 7, 2026), against a price of 6.13 TRY. It is the blended result of 12 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Katilimevim Tasarruf Finansman Anonim Sirketi stock overvalued or undervalued in 2026?
As of Nov 7, 2026, KTLEV trades below its calculated fair value: price 6.13 TRY, fair value 9.72 TRY, a gap of about +59% (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 KTLEV?
No. The price is what the market pays today (6.13 TRY); the fair value is what the company's own numbers justify (9.72 TRY). For Katilimevim Tasarruf Finansman Anonim Sirketi the two are 3.59 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Katilimevim Tasarruf Finansman Anonim Sirketi worth?
The market values Katilimevim Tasarruf Finansman Anonim Sirketi at about 42.9B TRY (market capitalisation, as of Nov 7, 2026). Per share that is 6.13 TRY; our models calculate a fair value of 9.72 TRY per share.
What do the bullish and bearish scenarios say about KTLEV?
Our models span a range for Katilimevim Tasarruf Finansman Anonim Sirketi: cautious scenario 6.58 TRY, base 9.72 TRY, optimistic 14.65 TRY per share (as of Nov 7, 2026, price 6.13 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of KTLEV?
Katilimevim Tasarruf Finansman Anonim Sirketi trades at a price-to-earnings ratio of 1.8 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 9.72 TRY is built from several models across several years. Other multiples: P/B 3.8, P/S 2.4.
How solid is the balance sheet of Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
Balance-sheet figures for Katilimevim Tasarruf Finansman Anonim Sirketi (as of Nov 7, 2026): return on equity 141.4%. They feed the Quality Score of 76/100, which measures business quality independently of the share price.
How far is KTLEV from its 52-week high?
Katilimevim Tasarruf Finansman Anonim Sirketi trades at 6.13 TRY, about 91% below its 52-week high of 69.00 TRY and 84% above the low of 3.33 TRY (as of Nov 11, 2026). Distance from the high says nothing about value: that is what the fair value of 9.72 TRY is for.
Which stocks are comparable to Katilimevim Tasarruf Finansman Anonim Sirketi?
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 Katilimevim Tasarruf Finansman Anonim Sirketi stock attractive at the current price?
The data as of Nov 7, 2026: price 6.13 TRY, calculated fair value 9.72 TRY (+59%), Quality Score 76/100, from 12 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 KTLEV calculated?
We run Katilimevim Tasarruf Finansman Anonim Sirketi through 12 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of 9.72 TRY builds on their evidence-weighted average, 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 14.0% above its aggregate fair value. Katilimevim Tasarruf Finansman Anonim Sirketi currently trades 37% 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 Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
The closing price on Nov 11, 2026 was 6.13 TRY. Our model-based fair value is 9.72 TRY, about +59% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Katilimevim Tasarruf Finansman Anonim Sirketi right now?
The rarer combination: high quality (76/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (6.58 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. A fairly wide model range (6.58 TRY to 14.65 TRY) leaves room in how you read the outcome.
Key figures of Katilimevim Tasarruf Finansman Anonim Sirketi
How large is the market capitalisation of Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
The market capitalisation of Katilimevim Tasarruf Finansman Anonim Sirketi is 42.9B TRY (≈ $854M). 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 Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
The price-to-sales ratio of Katilimevim Tasarruf Finansman Anonim Sirketi is 0.91 (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 Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
Earnings per share at Katilimevim Tasarruf Finansman Anonim Sirketi are 3.35 TRY (price ÷ EPS = P/E 1.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
The dividend yield of Katilimevim Tasarruf Finansman Anonim Sirketi is 0.6% (payout 1.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
The net margin of Katilimevim Tasarruf Finansman Anonim Sirketi is 49.6% (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 Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
The return on equity (ROE) of Katilimevim Tasarruf Finansman Anonim Sirketi is 141% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
The return on assets (ROA) of Katilimevim Tasarruf Finansman Anonim Sirketi is 49.4% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
The operating margin of Katilimevim Tasarruf Finansman Anonim Sirketi is 554% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
Revenue at Katilimevim Tasarruf Finansman Anonim Sirketi is growing +86.9% versus a year earlier (3y avg +237%). 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 Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV)?
Earnings per share at Katilimevim Tasarruf Finansman Anonim Sirketi are growing +10.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Katilimevim Tasarruf Finansman Anonim Sirketi (KTLEV) carry?
The net debt of Katilimevim Tasarruf Finansman Anonim Sirketi is 27.2B TRY (fiscal year 2025, ≈ 1.8 yrs of FCF). 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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Nov 7, 2026