DESTEK FINANS FAKTORING (DSTKF) fair value: what the stock is really worth
As of Oct 23, 2026: fair value (intrinsic value) of DESTEK FINANS FAKTORING stock TRY 70.94, price TRY 144, upside -50.6%, quality 49 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value above price?No
Good quality?No
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 26, 2026.
How to read this chart
21‑month range 51.65 TRY – 3,920 TRY · fair‑value band 47.29 TRY – 143.54 TRY · the 143.60 TRY price screens above the 70.94 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 26, 2026.
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Destek Finans Faktoring A.S. provides factoring services to corporate and commercial companies in Turkey.
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It offers domestic and export factoring, and import factoring services, as well as financial support to SMEs. It also provides domestic and international investment, and development and commercial banking transactions; and brokerage services.
The company was founded in 1996 and is based in Istanbul, Turkey. Destek Finans Faktoring A.S. operates as a subsidiary of Destek Holding Anonim Sirketi.
Stock analysis
DESTEK FINANS FAKTORING (DSTKF) currently trades at 143.60 TRY, while our model-based Fair Value estimate is 70.94 TRY, 50.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 395.41 TRY per share, and 3 of the 8 models we run sit above the 143.60 TRY price.
Bear case: the Asset-Based group reads lowest at 29.45 TRY, and 5 of the 8 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 47.29 TRY (bear) to 143.54 TRY (bull), the price of 143.60 TRY sits above 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 49/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
DESTEK FINANS FAKTORING reported revenue of 7.0B TRY in FY2025 versus 347M TRY in FY2021, a compound +112.1%/yr. Reported net income was 3.8B TRY in FY2025, compounding +133.8%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 47.9B TRY (≈ $963M) Small · P/E ratio 9.8 · P/S ratio 6.86 · EPS (TTM) 14.68 TRY · Dividend yield 0.2% · Net margin 70.1% · Return on equity 39.5% · Return on assets (EBIT) 13.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 77 out of 100 (low confidence).
What moves the price
The share trades about 96% below its 52-week high and at its 52-week low.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −51%, DSTKF screens richer than that median.
Fair Value models
Bear47.29 TRYFair Value 70.94 TRYBull143.54 TRY
Price 143.60 TRY · Upside -50.6%
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 (12.03 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
+43.0%
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.
+101.4%
’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.
≈ +97.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+97.3%
Dividend (yield on the price)0.2%
Profit margin 2021 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.47% → 92%
⚠ Approximate: the rate leans on 2025, which sits 134% above its own trend.
Compare DESTEK FINANS FAKTORING with another stock
Price, fair value, quality and upside side by side.
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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 · 320 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside−50.6% · Bottom 25%
Profitability
Return on equity (12 months)39.5% · Top 25%
Return on assets7.8% · Top 25%
Net margin (12 months)70.1% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)2.7% · Below median
Dividend yield (12 months)0.2% · Bottom 25%
Balance sheet
Debt / equity0.43× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)9.8× · Cheaper than median
P/B3.92× · Priciest 25%
P/S (12 months)6.86× · Priciest 25%
EV/EBITDA3.2× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 63
FUTURE (revenue growth)14· sector 49
PAST (return on equity)100· sector 32
HEALTH (low debt)78· sector 56
DIVIDEND (yield)3· sector 63
VALUE 0: the price sits above our fair-value range.
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.
Is DESTEK FINANS FAKTORING (DSTKF) overvalued or undervalued?
As of Oct 26, 2026, our model estimates a fair value of 70.94 TRY versus a price of 143.60 TRY, about −51% upside (overvalued).
What is the fair value of DSTKF?
Our model-based fair value for DESTEK FINANS FAKTORING is 70.94 TRY (as of Oct 26, 2026), built from audited fundamentals. The current price: 143.60 TRY.
What is the quality score of DSTKF?
DESTEK FINANS FAKTORING has a Quality Score of 49/100. 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 DESTEK FINANS FAKTORING (DSTKF)?
Our model-based price target is the fair value of 70.94 TRY (as of Oct 26, 2026) from 8 valuation models. Cautious scenario 47.29 TRY, optimistic scenario 143.54 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the DESTEK FINANS FAKTORING stock forecast for 2026?
Our models put fair value at 70.94 TRY, about −51% upside versus a price of 143.60 TRY (overvalued). Cautious scenario 47.29 TRY, optimistic scenario 143.54 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of DESTEK FINANS FAKTORING (DSTKF)?
DESTEK FINANS FAKTORING reported trailing-twelve-month revenue of about 7.0B TRY (latest available figure, as of Oct 26, 2026).
Does DESTEK FINANS FAKTORING pay a dividend?
DESTEK FINANS FAKTORING currently shows a dividend yield of 0.16% relative to its recent price (as of Oct 26, 2026).
What is the intrinsic value of DESTEK FINANS FAKTORING (DSTKF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For DESTEK FINANS FAKTORING it is 70.94 TRY per share (as of Oct 26, 2026), against a price of 143.60 TRY. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is DESTEK FINANS FAKTORING stock overvalued or undervalued in 2026?
As of Oct 26, 2026, DSTKF trades above its calculated fair value: price 143.60 TRY, fair value 70.94 TRY, a gap of about −51% (overvalued). 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 DSTKF?
No. The price is what the market pays today (143.60 TRY); the fair value is what the company's own numbers justify (70.94 TRY). For DESTEK FINANS FAKTORING the two are 72.66 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is DESTEK FINANS FAKTORING worth?
The market values DESTEK FINANS FAKTORING at about 47.9B TRY (market capitalisation, as of Oct 26, 2026). Per share that is 143.60 TRY; our models calculate a fair value of 70.94 TRY per share.
What do the bullish and bearish scenarios say about DSTKF?
Our models span a range for DESTEK FINANS FAKTORING: cautious scenario 47.29 TRY, base 70.94 TRY, optimistic 143.54 TRY per share (as of Oct 26, 2026, price 143.60 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DSTKF?
DESTEK FINANS FAKTORING trades at a price-to-earnings ratio of 9.8 (as of Oct 26, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 70.94 TRY is built from several models across several years. Other multiples: P/B 3.9, P/S 6.9, EV/EBITDA 3.2.
How solid is the balance sheet of DESTEK FINANS FAKTORING (DSTKF)?
Balance-sheet figures for DESTEK FINANS FAKTORING (as of Oct 26, 2026): return on equity 39.5%, debt of 0.43 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is DSTKF from its 52-week high?
DESTEK FINANS FAKTORING trades at 143.60 TRY, about 96% below its 52-week high of 3,920 TRY and at the low of 143.60 TRY (as of Oct 23, 2026). Distance from the high says nothing about value: that is what the fair value of 70.94 TRY is for.
Which stocks are comparable to DESTEK FINANS FAKTORING?
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 DESTEK FINANS FAKTORING stock attractive at the current price?
The data as of Oct 26, 2026: price 143.60 TRY, calculated fair value 70.94 TRY (−51%), Quality Score 49/100, from 8 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 DSTKF calculated?
We run DESTEK FINANS FAKTORING through 8 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 70.94 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 12.5 % above its aggregate fair value. DESTEK FINANS FAKTORING itself currently trades above fair value. 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 DESTEK FINANS FAKTORING (DSTKF)?
The closing price on Oct 23, 2026 was 143.60 TRY. Our model-based fair value is 70.94 TRY, about −51% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with DESTEK FINANS FAKTORING right now?
The model range is unusually wide (47.29 TRY to 143.54 TRY). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (49/100) and above fair value, neither a clear bargain nor a standout compounder. 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 DESTEK FINANS FAKTORING
How large is the market capitalisation of DESTEK FINANS FAKTORING (DSTKF)?
The market capitalisation of DESTEK FINANS FAKTORING is 47.9B TRY (≈ $963M). 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 DESTEK FINANS FAKTORING (DSTKF)?
The price-to-sales ratio of DESTEK FINANS FAKTORING is 6.86 (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 DESTEK FINANS FAKTORING (DSTKF)?
Earnings per share at DESTEK FINANS FAKTORING are 14.68 TRY (price ÷ EPS = P/E 9.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of DESTEK FINANS FAKTORING (DSTKF)?
The dividend yield of DESTEK FINANS FAKTORING is 0.2% (payout 1.5%). 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 DESTEK FINANS FAKTORING (DSTKF)?
The net margin of DESTEK FINANS FAKTORING is 70.1% (last twelve months). 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 DESTEK FINANS FAKTORING (DSTKF)?
The return on equity (ROE) of DESTEK FINANS FAKTORING is 39.5% (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 DESTEK FINANS FAKTORING (DSTKF)?
On an EBIT basis the return on assets of DESTEK FINANS FAKTORING is 13.7% (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 DESTEK FINANS FAKTORING (DSTKF)?
The operating margin of DESTEK FINANS FAKTORING is 212% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at DESTEK FINANS FAKTORING (DSTKF)?
Revenue at DESTEK FINANS FAKTORING is growing +2.7% versus a year earlier (3y avg +101%). 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 DESTEK FINANS FAKTORING (DSTKF)?
Earnings per share at DESTEK FINANS FAKTORING are growing +46.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does DESTEK FINANS FAKTORING (DSTKF) generate?
The free cash flow of DESTEK FINANS FAKTORING is −4.5B 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 DESTEK FINANS FAKTORING (DSTKF) carry?
The net debt of DESTEK FINANS FAKTORING is 21.5B 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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Some data
Oct 26, 2026