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Bizim Toptan Satis Magazalari AS (BIZIM) fair value: what the stock is really worth

We calculate from audited financials what Bizim Toptan Satis Magazalari AS is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Consumer Cyclical · TR · ISIN TREBZMT00017

BT Thin data Sep 13, 2026

Bizim Toptan Satis Magazalari AS

BIZIM · IS

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value 31.39 TRY · Undervalued (+47%)
!Quality 41/100
!Mixed Growth (revenue 5y +49.0 %/yr)
!Loss-making · -1.7% net margin (TTM)
✓Low debt · generates free cash flow
!Trails peers (4/11)
!Narrow moat 13/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

54.90 TRY 10.56 TRY Fair Value 31.39 TRY Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.

How to read this chart

60‑month range 10.56 TRY – 54.90 TRY · fair‑value band 23.87 TRY – 38.91 TRY · the 21.42 TRY price screens below the 31.39 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.

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Company profile

Bizim Toptan Satis Magazalari A.S. engages in the wholesale and retail of fast-moving consumer goods in Turkey.

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Bizim Toptan Satis Magazalari A.S. engages in the wholesale and retail of fast-moving consumer goods in Turkey. The company sells food products, including dry food, milk and diary, snack and bakery, delicatessen and breakfast, meat and meat products, and fruit and vegetable; drink and non-alcoholic beverages; cigarette and tobacco; cleaning items; personal care and cosmetics; paper; household appliances; energy and lighting, stationery-office supplies; communication items; pet products; and private label products through various brands. It also operates 182 stores and an online platform. The company sells its products to wholesalers, merchants, specialized retailers, hotels, grocery stores, markets, supermarkets, restaurants, and cafes, as well as gas station markets, school canteens, SEC Market business partners, kiosks, catering businesses, corporate and individual customers, and commercial taxpayers. Bizim Toptan Satis Magazalari A.S. was incorporated in 2001 and is headquartered in Istanbul, Turkey. The company operates as a subsidiary of Yildiz Holding A.S.

Stock analysis

Bizim Toptan Satis Magazalari AS (BIZIM) currently trades at 21.42 TRY, while our model-based Fair Value estimate is 31.39 TRY, implying the stock looks roughly 31.8% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of 228.84 TRY per share, and 12 of the 16 models we run sit above the 21.42 TRY price.

Bear case: the Dividend Discount group reads lowest at 10.93 TRY, and 4 of the 16 models stay below the price. Evidence for this calculation is low.

Scenario range: 23.87 TRY (bear) to 38.91 TRY (bull), the price of 21.42 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 41/100 (below-average quality), in the Consumer Cyclical sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bizim Toptan Satis Magazalari AS reported revenue of 39.4B TRY in FY2025 versus 7.2B TRY in FY2021, a compound +53.1%/yr. Reported net income was −793M TRY in FY2025.

Key figures

Market cap 1.9B TRY (≈ $38.8M) · P/S ratio 0.05 · EPS (TTM) −7.91 TRY · Dividend yield 3.6% · Net margin −2.0% · Return on equity −155% · Return on assets (EBIT) 3.1% · Operating margin −1.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).

What moves the price

The share trades about 42% below its 52-week high, currently below its 200-day average.

For context, the median of 10 Consumer Cyclical peers we cover trades at 1% fair-value upside, at 47%, BIZIM screens cheaper than that median.

Fair Value models

Bear 23.87 TRY Fair Value 31.39 TRY Bull 38.91 TRY
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
FCF DCF 195.43 TRY 284.69 TRY 551.44 TRY 77
Growth DCF 183.16 TRY 303.12 TRY 523.80 TRY 76
EPV 14.05 TRY 15.79 TRY 17.23 TRY 74
All 16 models by family
DCF Models
FCF DCF 195.43 TRY 284.69 TRY 551.44 TRY 77
Owner Earnings 111.09 TRY 228.84 TRY 447.33 TRY 72
5Y Revenue Exit 75.56 TRY 98.62 TRY 144.34 TRY 73
5Y EBITDA Exit 217.02 TRY 384.31 TRY 712.33 TRY 72
10Y Revenue Exit 115.84 TRY 181.49 TRY 201.96 TRY 68
10Y EBITDA Exit 210.81 TRY 459.28 TRY 890.27 TRY 64
Earnings-Based
EPV 14.05 TRY 15.79 TRY 17.23 TRY 74
Dividend Discount
Gordon GGM 6.64 TRY 11.97 TRY 16.47 TRY 68
DDM Multi-Stage 6.64 TRY 10.93 TRY 12.78 TRY 67
Multiples
EV/EBIT 23.87 TRY 31.39 TRY 38.91 TRY 66
EV/EBITDA 223.43 TRY 297.47 TRY 371.51 TRY 67
EV/Revenue 17.41 TRY 24.31 TRY 31.21 TRY 54
Asset-Based
NCAV (Graham) 2.07 TRY 2.78 TRY 4.15 TRY 54
Growth DCF
Growth DCF 183.16 TRY 303.12 TRY 523.80 TRY 76
Rev-Margin DCF 78.06 TRY 113.04 TRY 181.63 TRY 71
Economic Profit
ROIC Compounder 16.50 TRY 21.45 TRY 27.51 TRY 72

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Quality Score breakdown

Overall quality 41/100

Of which business quality 44 · Market factors (momentum, volatility) 32

Profitability 41
Margins and returns on capital today
Quality Growth 49
Are margins and returns improving?
Cashflow 45
Earnings quality: real cash, not paper profit
Fin. Strength 33
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 77
Calm price path (market factor)
Momentum 19
Price trend over the last 3–12 months (market factor)
52W Momentum 4
Distance to the 52-week high (market factor)
Net Issuance 40
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 56/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−21.2%
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.
+41.1%
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.
+49.0%
Revenue growth 18 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.
+22.4%
Profit margin (trend) ⓘ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.
3.2% (2020) → 0.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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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.Department Stores · 116 stocks

Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 41 · Bottom 25%
Fair Value upside +33% · Above median
Profitability
Return on assets 0% · Bottom 25%
Net margin (TTM) −2% · Bottom 25%
Operating margin (TTM) −1% · Bottom 25%
Growth and dividend
Revenue growth −17% · Bottom 25%
Dividend yield (TTM) 3.6% · Top 25%
Balance sheet
Debt / equity 0.35× · Above median

Valuation Multiplesvs Department Stores median · lower = cheaper

P/B 0.12× · Cheapest 25%
P/FCF 0.0× · Cheapest 25%
PEG 0.92× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)95 · sector 36
FUTURE (revenue growth)0 · sector 0
PAST (return on equity)0 · sector 16
HEALTH (low debt)83 · sector 95
DIVIDEND (yield)0 · sector 39

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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10 more Department Stores stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Falabella S.A FALABELLA 6,489 CLP 8,167 CLP +26%
Dillard's, Inc DDS $647.49 $536.21 −17%
99 Speed Mart Retail Holdings 5326 3.16 MYR 1.52 MYR −52%
Cencosud S.A CENCOSUD 2,090 CLP 2,113 CLP +1%
Macy's, Inc M $21.64 $40.55 +87%
Vishal Mega Mart Limited VMM ₹101.24 ₹93.42 −8%
Central Retail Corporation CRC 30.75 THB 20.89 THB −32%
SHINSEGAE Inc 004170 362,500 KRW 291,388 KRW −20%
Lotte Shopping Co 023530 113,400 KRW 193,908 KRW +71%
PT Daya Intiguna Yasa Tbk MDIY 935.00 IDR 968.76 IDR +4%

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Bizim Toptan Satis Magazalari AS · Fair Value
31.39 TRY +32%Fair Value
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Cite: Fair Value Calculator (2026). "Bizim Toptan Satis Magazalari AS Fair Value". https://www.fairvalue-calculator.com/stock/BIZIM

Frequently asked questions

Is Bizim Toptan Satis Magazalari AS (BIZIM) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 31.39 TRY versus a price of 21.42 TRY, about +47% upside (undervalued).
What is the fair value of BIZIM?
Our model-based fair value for Bizim Toptan Satis Magazalari AS is 31.39 TRY (as of Sep 13, 2026), built from audited fundamentals. The current price: 21.42 TRY.
What is the quality score of BIZIM?
Bizim Toptan Satis Magazalari AS has a Quality Score of 41/100. 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 Bizim Toptan Satis Magazalari AS (BIZIM)?
Our model-based price target is the fair value of 31.39 TRY (as of Sep 13, 2026) from 16 valuation models. Cautious scenario 23.87 TRY, optimistic scenario 38.91 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Bizim Toptan Satis Magazalari AS stock forecast for 2026?
Our models put fair value at 31.39 TRY, about +47% upside versus a price of 21.42 TRY (undervalued). Cautious scenario 23.87 TRY, optimistic scenario 38.91 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Bizim Toptan Satis Magazalari AS (BIZIM)?
Bizim Toptan Satis Magazalari AS reported trailing-twelve-month revenue of about 37.5B TRY (latest available figure, as of Sep 13, 2026).
Does Bizim Toptan Satis Magazalari AS pay a dividend?
Bizim Toptan Satis Magazalari AS currently shows a dividend yield of about 3.63% relative to its recent price (as of Sep 13, 2026).
What is the intrinsic value of Bizim Toptan Satis Magazalari AS (BIZIM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bizim Toptan Satis Magazalari AS it is 31.39 TRY per share (as of Sep 13, 2026), against a price of 21.42 TRY. It is the blended result of 16 valuation models (cash flow, earnings, asset, dividend).
Is Bizim Toptan Satis Magazalari AS stock overvalued or undervalued in 2026?
As of Sep 13, 2026, BIZIM trades below its calculated fair value: price 21.42 TRY, fair value 31.39 TRY, a gap of about +47% (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 BIZIM?
No. The price is what the market pays today (21.42 TRY); the fair value is what the company's own numbers justify (31.39 TRY). For Bizim Toptan Satis Magazalari AS the two are 9.97 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Bizim Toptan Satis Magazalari AS worth?
The market values Bizim Toptan Satis Magazalari AS at about 1.9B TRY (market capitalisation, as of Sep 13, 2026). Per share that is 21.42 TRY; our models calculate a fair value of 31.39 TRY per share.
What do the bullish and bearish scenarios say about BIZIM?
Our models span a range for Bizim Toptan Satis Magazalari AS: cautious scenario 23.87 TRY, base 31.39 TRY, optimistic 38.91 TRY per share (as of Sep 13, 2026, price 21.42 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of BIZIM?
The PEG ratio of Bizim Toptan Satis Magazalari AS is 0.92 (P/E divided by earnings growth, as of Sep 13, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Bizim Toptan Satis Magazalari AS (BIZIM)?
Balance-sheet figures for Bizim Toptan Satis Magazalari AS (as of Sep 13, 2026): return on equity −155.2%, debt of 0.35 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is BIZIM from its 52-week high?
Bizim Toptan Satis Magazalari AS trades at 21.42 TRY, about 42% below its 52-week high of 36.70 TRY (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 31.39 TRY is for.
Which stocks are comparable to Bizim Toptan Satis Magazalari AS?
From the same area (Consumer Cyclical) we also value Falabella S.A, Dillard's, Inc, 99 Speed Mart Retail Holdings, Cencosud S.A, 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 Bizim Toptan Satis Magazalari AS stock attractive at the current price?
The data as of Sep 13, 2026: price 21.42 TRY, calculated fair value 31.39 TRY (+47%), Quality Score 41/100, from 16 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 BIZIM calculated?
We run Bizim Toptan Satis Magazalari AS through 16 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 31.39 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 15.8 % above its aggregate fair value. Bizim Toptan Satis Magazalari AS currently trades 47 % 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 Bizim Toptan Satis Magazalari AS (BIZIM)?
The closing price on Sep 18, 2026 was 21.42 TRY. Our model-based fair value is 31.39 TRY, about +47% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bizim Toptan Satis Magazalari AS right now?
The large discount to fair value meets weak quality (41/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (23.87 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.

Key figures of Bizim Toptan Satis Magazalari AS

How large is the market capitalisation of Bizim Toptan Satis Magazalari AS (BIZIM)?
The market capitalisation of Bizim Toptan Satis Magazalari AS is 1.9B TRY (≈ $38.8M). 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 Bizim Toptan Satis Magazalari AS (BIZIM)?
The price-to-sales ratio of Bizim Toptan Satis Magazalari AS is 0.05 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bizim Toptan Satis Magazalari AS (BIZIM)?
Earnings per share at Bizim Toptan Satis Magazalari AS are −7.91 TRY. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bizim Toptan Satis Magazalari AS (BIZIM)?
The dividend yield of Bizim Toptan Satis Magazalari AS is 3.6%. 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 Bizim Toptan Satis Magazalari AS (BIZIM)?
The net margin of Bizim Toptan Satis Magazalari AS is −2.0% (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 Bizim Toptan Satis Magazalari AS (BIZIM)?
The return on equity (ROE) of Bizim Toptan Satis Magazalari AS is −155% (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 Bizim Toptan Satis Magazalari AS (BIZIM)?
On an EBIT basis the return on assets of Bizim Toptan Satis Magazalari AS is 3.1% (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 Bizim Toptan Satis Magazalari AS (BIZIM)?
The operating margin of Bizim Toptan Satis Magazalari AS is −1.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bizim Toptan Satis Magazalari AS (BIZIM)?
Revenue at Bizim Toptan Satis Magazalari AS is growing −16.6% versus a year earlier (3y avg +41.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Bizim Toptan Satis Magazalari AS (BIZIM) generate?
The free cash flow of Bizim Toptan Satis Magazalari 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.
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