EN DE
Watch Türkiye Is Bankasi A.S., for free: we tell you when fair value or trend changes.
Data-driven stock valuation

Türkiye Is Bankasi A.S. (ISBTR) fair value: what the stock is really worth

As of Oct 23, 2026: fair value (intrinsic value) of Türkiye Is Bankasi A.S. stock TRY 780,000, price TRY 390,000, upside +100.0%, quality 49 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
  3. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services · TR · ISIN TRAISBTR91N4

TI Türkiye Is Bankasi A.S. logo Thin data Oct 13, 2026

Türkiye Is Bankasi A.S.

ISBTR · IS

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

The stock costs 50% less than our calculation considers fair.

Fair value 780,000 TRY · Strongly undervalued (50%)
Solidly profitable · 16.2% net margin (TTM)
Low debt
Generates free cash flow
Quality 49/100
Mixed Growth (revenue 5y +49.0 %/yr in TRY)
Mixed vs. peers (5/9)
Moderate moat 56/100 · thin data
Thin data
Watch Türkiye Is Bankasi A.S., for free: we tell you when fair value or trend changes. Watch for free

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

830,995 TRY 27,118 TRY Fair Value 780,000 TRY Jun 2021 Oct 2026

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

How to read this chart

60‑month range 27,118 TRY – 830,995 TRY · fair‑value band 585,000 TRY – 975,000 TRY · the 390,000 TRY price screens below the 780,000 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 13, 2026.

Follow Türkiye Is Bankasi A.S., in your weekly email

Every Wednesday you see whether Türkiye Is Bankasi A.S., is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Türkiye Is Bankasi A.S., together with its subsidiaries, provides various banking products and services to individuals and businesses in Turkey.

Show moreShow less

It operates through Corporate/Commercial Banking; Retail/Private Banking; Treasury Operations and Investment Activities; Insurance and Reinsurance Activities; and Other segments.

The company offers personal loans comprising land, education, overdraft, and yacht loans; car and home loans; credit and debit cards; deposit and investment products, such as term deposits, term TL, term FX, term gold, non-term deposits, gold, equities, futures and options markets, mutual funds, Eurobonds, and debt instruments; digital banking; compulsory earthquake, motor vehicle compulsory third party liability, comprehensive motor, health, personal accident, workplace, life, critical illness, credit card payment protecting, and loan payment protection insurance products; pension funds; and expat, private, and startup banking services.

It also provides cash and non-cash loans; letters of guarantee and credit; agricultural banking; and foreign trade transactions, trading, and financing services.

In addition, the company offers project financing, working capital and investment loans, cash management, checks and promissory notes, bill collection, payroll payments, investment accounts, tax collection, and other banking products; overdraft accounts, money transfer, and safe deposit boxes; individual retirement plans, life and non-life insurance services, and reinsurance services; securities trading, spot and forward trading, syndication, and securitization services; derivative transactions, such as forwards, swaps, futures and options; brokerage, venture capital, and real estate investment trust services; investment banking; and financial leasing, factoring, asset management, portfolio management, and payment services.

Türkiye Is Bankasi A.S. was founded in 1924 and is headquartered in Istanbul, Turkey.

Stock analysis

Türkiye Is Bankasi A.S. (ISBTR) currently trades at 390,000 TRY, while our model-based Fair Value estimate is 780,000 TRY, implying the stock looks roughly 50.0% undervalued today.

Show more

Valuation

How firm this estimate is: it rests on 23 models at a data quality of 92/100, which puts the data coverage at low.

Scenario range: 585,000 TRY (bear) to 975,000 TRY (bull), the price of 390,000 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 49/100 (below-average quality), in the Financial Services sector.

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

Türkiye Is Bankasi A.S., reported revenue of 424B TRY in FY2025 versus 60.0B TRY in FY2021, a compound +63.0%/yr. Reported net income was 67.9B TRY in FY2025, compounding +49.6%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.

Key figures

Market cap 9,750T TRY (≈ $196T) Mega · Net margin 16.0% · Return on equity 18.9% · Return on assets (EBIT) 1.6% · Operating margin 13.0% · Revenue (TTM) 421B TRY · Revenue growth (YoY) +24.8% · EPS growth (YoY) −46.1%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (low confidence).

What moves the price

The share trades about 33% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at 100%, ISBTR screens cheaper than that median.

Fair Value models

Bear 585,000 TRY Fair Value 780,000 TRY Bull 975,000 TRY
Price 390,000 TRY · Upside +100.0%
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. 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.
Best data coverage
Residual Income 13,539,250 TRY 16,150,651 TRY 22,292,261 TRY 76
P/E Multiple 22,819,483 TRY 30,425,977 TRY 38,032,472 TRY 63
P/B Multiple 14,771,898 TRY 19,695,863 TRY 24,619,829 TRY 55
All 4 models by family
Multiples
P/E Multiple 22,819,483 TRY 30,425,977 TRY 38,032,472 TRY 63
P/B Multiple 14,771,898 TRY 19,695,863 TRY 24,619,829 TRY 55
Asset-Based
NCAV (Graham) 7,034,237 TRY 9,425,877 TRY 14,068,474 TRY 53
Economic Profit
Residual Income 13,539,250 TRY 16,150,651 TRY 22,292,261 TRY 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 49/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 59
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 67
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 64
How calm the share price moves, does not count
Momentum 19
Price trend of the last 3 to 12 months, does not count
Near the 52-week high 0
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

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. 100/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+51.0%
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.
+40.4%
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%
Start year 2020 (pandemic). Over 10 years: +39.4% a year
Revenue growth 11 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.
+36.1%
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. Basis: EBIT basis. 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.
+6.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+6.3%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−74.0% vs −45.7%, slowing
Pace: the 5-year rate starts in 2020 (pandemic)

Watch ISBTR, get fair value alerts →

Compare Türkiye Is Bankasi A.S., with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

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.Banks - Regional · 1050 stocks

Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 49 · Below median
Fair Value upside +115.3% · Top 25%
Profitability
Return on equity (12 months) 18.9% · Top 25%
Return on assets 1.7% · Top 25%
Net margin (12 months) 21.4% · Below median
Operating margin (12 months) 13.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 24.8% · Top 25%
Dividend yield (12 months) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.19× · Below median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 15
FUTURE (revenue growth)100 · sector 49
PAST (return on equity)76 · sector 41
HEALTH (low debt)90 · sector 85
DIVIDEND (yield)0 · sector 52

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

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
BNP Paribas SA BNP €83.52 €106.06 +27% vs ISBTR
China Merchants Bank Co 600036 ¥42.52 ¥52.73 +24% vs ISBTR
UniCredit S.p.A UCG €75.21 €77.12 +3% vs ISBTR
Itaú Unibanco Holding ITUB $9.67 $7.50 −22% vs ISBTR
Mizuho Financial Group MFG $9.71 $6.89 −29% vs ISBTR
Oversea-Chinese Banking Corporation O39 29.14 SGD 19.78 SGD −32% vs ISBTR
Intesa Sanpaolo S.p.A ISP €6.07 €4.06 −33% vs ISBTR
HDFC Bank Limited HDFCBANK ₹692.80 ₹406.39 −41% vs ISBTR
DBS Group D05 74.43 SGD 40.39 SGD −46% vs ISBTR
ICICI Bank Limited ICICIBANK ₹1,394 ₹615.63 −56% vs ISBTR

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names ⭐ Top Rated 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Calculator with industry benchmark Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

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.

Türkiye Is Bankasi A.S., · Fair Value
780,000 TRY +50%Fair Value
Calculator →

Cite: Fair Value Calculator (2026). "Türkiye Is Bankasi A.S., Fair Value". https://www.fairvalue-calculator.com/stock/ISBTR

Frequently asked questions

Is Türkiye Is Bankasi A.S. (ISBTR) overvalued or undervalued?
As of Oct 13, 2026, our model estimates a fair value of 780,000 TRY versus a price of 390,000 TRY, about +100% upside (undervalued).
What is the fair value of ISBTR?
Our model-based fair value for Türkiye Is Bankasi A.S., is 780,000 TRY (as of Oct 13, 2026), built from audited fundamentals. The current price: 390,000 TRY.
What is the quality score of ISBTR?
Türkiye Is Bankasi A.S., 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 Türkiye Is Bankasi A.S. (ISBTR)?
Our model-based price target is the fair value of 780,000 TRY (as of Oct 13, 2026) from 4 valuation models. Cautious scenario 585,000 TRY, optimistic scenario 975,000 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Türkiye Is Bankasi A.S., stock forecast for 2026?
Our models put fair value at 780,000 TRY, about +100% upside versus a price of 390,000 TRY (undervalued). Cautious scenario 585,000 TRY, optimistic scenario 975,000 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Türkiye Is Bankasi A.S. (ISBTR)?
Türkiye Is Bankasi A.S., reported trailing-twelve-month revenue of about 421B TRY (latest available figure, as of Oct 13, 2026).
What is the intrinsic value of Türkiye Is Bankasi A.S. (ISBTR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Türkiye Is Bankasi A.S., it is 780,000 TRY per share (as of Oct 13, 2026), against a price of 390,000 TRY. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Türkiye Is Bankasi A.S., stock overvalued or undervalued in 2026?
As of Oct 13, 2026, ISBTR trades below its calculated fair value: price 390,000 TRY, fair value 780,000 TRY, a gap of about +100% (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 ISBTR?
No. The price is what the market pays today (390,000 TRY); the fair value is what the company's own numbers justify (780,000 TRY). For Türkiye Is Bankasi A.S., the two are 390,000 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Türkiye Is Bankasi A.S., worth?
The market values Türkiye Is Bankasi A.S., at about 9,750T TRY (market capitalisation, as of Oct 13, 2026). Per share that is 390,000 TRY; our models calculate a fair value of 780,000 TRY per share.
What do the bullish and bearish scenarios say about ISBTR?
Our models span a range for Türkiye Is Bankasi A.S.,: cautious scenario 585,000 TRY, base 780,000 TRY, optimistic 975,000 TRY per share (as of Oct 13, 2026, price 390,000 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Türkiye Is Bankasi A.S. (ISBTR)?
Balance-sheet figures for Türkiye Is Bankasi A.S., (as of Oct 13, 2026): return on equity 18.9%, debt of 0.19 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is ISBTR from its 52-week high?
Türkiye Is Bankasi A.S., trades at 390,000 TRY, about 33% below its 52-week high of 585,640 TRY and at the low of 388,418 TRY (as of Oct 23, 2026). Distance from the high says nothing about value: that is what the fair value of 780,000 TRY is for.
Which stocks are comparable to Türkiye Is Bankasi A.S.,?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.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 Türkiye Is Bankasi A.S., stock attractive at the current price?
The data as of Oct 13, 2026: price 390,000 TRY, calculated fair value 780,000 TRY (+100%), Quality Score 49/100, from 4 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 ISBTR calculated?
We run Türkiye Is Bankasi A.S., through 4 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 780,000 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 12.3 % above its aggregate fair value. Türkiye Is Bankasi A.S., currently trades 50 % 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 Türkiye Is Bankasi A.S. (ISBTR)?
The closing price on Oct 23, 2026 was 390,000 TRY. Our model-based fair value is 780,000 TRY, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Türkiye Is Bankasi A.S., right now?
The price is below even our cautious bear case (585,000 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. Solid quality (49/100) at a price below fair value, the discount is the argument here, not the business quality. 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 Türkiye Is Bankasi A.S.,

How large is the market capitalisation of Türkiye Is Bankasi A.S. (ISBTR)?
The market capitalisation of Türkiye Is Bankasi A.S., is 9,750T TRY (≈ $196T). 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 net margin of Türkiye Is Bankasi A.S. (ISBTR)?
The net margin of Türkiye Is Bankasi A.S., is 16.0% (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 Türkiye Is Bankasi A.S. (ISBTR)?
The return on equity (ROE) of Türkiye Is Bankasi A.S., is 18.9% (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 Türkiye Is Bankasi A.S. (ISBTR)?
On an EBIT basis the return on assets of Türkiye Is Bankasi A.S., is 1.6% (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 Türkiye Is Bankasi A.S. (ISBTR)?
The operating margin of Türkiye Is Bankasi A.S., is 13.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Türkiye Is Bankasi A.S. (ISBTR)?
Revenue at Türkiye Is Bankasi A.S., is growing +24.8% versus a year earlier (3y avg +40.4%). 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 Türkiye Is Bankasi A.S. (ISBTR)?
Earnings per share at Türkiye Is Bankasi A.S., are growing −46.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Türkiye Is Bankasi A.S. (ISBTR) generate?
The free cash flow of Türkiye Is Bankasi A.S., is 181B 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 Türkiye Is Bankasi A.S. (ISBTR) carry?
The net debt of Türkiye Is Bankasi A.S., is 56.0B TRY (fiscal year 2025, ≈ 0.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch Türkiye Is Bankasi A.S., in the live analysis

One click puts Türkiye Is Bankasi A.S., on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 28,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.