Türkiye Is Bankasi A.S. (ISBTR) fair value: what the stock is really worth
As of Oct 5, 2026: fair value of Türkiye Is Bankasi A.S. TRY 747,996, price TRY 425,000, upside +76.0%, quality 49 out of 100. Calculated from audited financials with 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, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range 27,118 TRY – 830,995 TRY · fair‑value band 560,997 TRY – 934,995 TRY · the 425,000 TRY price screens below the 747,996 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Türkiye Is Bankasi A.S., together with its subsidiaries, provides various banking products and services to individuals and businesses in Turkey. It operates through Corporate/Commercial Banking; Retail/Private Banking; Treasury Operations and Investment Activities; Insurance and Reinsurance Activities; and Other segments.
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Türkiye Is Bankasi A.S., together with its subsidiaries, provides various banking products and services to individuals and businesses in Turkey. 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 425,000 TRY, while our model-based Fair Value estimate is 747,996 TRY, implying the stock looks roughly 43.2% undervalued today.
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Valuation
How firm this estimate is: it rests on 23 models at a data quality of 92/100, which puts the evidence level at low.
Scenario range: 560,997 TRY (bear) to 934,995 TRY (bull), the price of 425,000 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 10,625T TRY (≈ $216T) · 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 50 out of 100 (low confidence).
What moves the price
The share trades about 35% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 76%, ISBTR screens cheaper than that median.
Fair Value models
Bear 560,997 TRYFair Value 747,996 TRYBull 934,995 TRY
Price 425,000 TRY · Upside +76.0%
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. 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.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.
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%
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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
Profit margin 2014 to 2019 ⓘ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.36% → 20%
News mood ⓘNews mood, the average tone of recent news (9 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Very negative
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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.Banks - Regional · 1059 stocks
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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 Sep 27, 2026, our model estimates a fair value of 747,996 TRY versus a price of 425,000 TRY, about +76% upside (undervalued).
What is the fair value of ISBTR?
Our model-based fair value for Türkiye Is Bankasi A.S., is 747,996 TRY (as of Sep 27, 2026), built from audited fundamentals. The current price: 425,000 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 747,996 TRY (as of Sep 27, 2026) from 4 valuation models. Cautious scenario 560,997 TRY, optimistic scenario 934,995 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 747,996 TRY, about +76% upside versus a price of 425,000 TRY (undervalued). Cautious scenario 560,997 TRY, optimistic scenario 934,995 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 Sep 27, 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 747,996 TRY per share (as of Sep 27, 2026), against a price of 425,000 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 Sep 27, 2026, ISBTR trades below its calculated fair value: price 425,000 TRY, fair value 747,996 TRY, a gap of about +76% (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 (425,000 TRY); the fair value is what the company's own numbers justify (747,996 TRY). For Türkiye Is Bankasi A.S., the two are 322,996 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 10,625T TRY (market capitalisation, as of Sep 27, 2026). Per share that is 425,000 TRY; our models calculate a fair value of 747,996 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 560,997 TRY, base 747,996 TRY, optimistic 934,995 TRY per share (as of Sep 27, 2026, price 425,000 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 Sep 27, 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 425,000 TRY, about 35% below its 52-week high of 648,997 TRY and 9% above the low of 388,418 TRY (as of Oct 5, 2026). Distance from the high says nothing about value: that is what the fair value of 747,996 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, Mizuho Financial Group, 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 Sep 27, 2026: price 425,000 TRY, calculated fair value 747,996 TRY (+76%), 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 747,996 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 15.4 % above its aggregate fair value. Türkiye Is Bankasi A.S., currently trades 43 % 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 5, 2026 was 425,000 TRY. Our model-based fair value is 747,996 TRY, about +76% 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 (560,997 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 10,625T TRY (≈ $216T). 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.
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