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Data-driven stock valuation

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

We calculate from audited financials what Türkiye Is Bankasi A.S., 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, free.

  1. Compare price with fair valuebelow fair value = cheap, above = expensive
  2. Check the quality50 and up solid, 75 and up strong
  3. Watch it or check another stockalert when fair value or trend changes

Financial Services · TR · Market cap 12,550T TRY (≈ $259T) · ISIN TRAISBTR91N4

At a glance

TI Türkiye Is Bankasi A.S., ISBTR · IS
Price502,018 TRY
Fair Value884,004 TRY
Upside+76.1%
Quality44/100

Below-average quality, trading 43% below our fair value of 884,004 TRY.

As of Aug 28, 2026, the fair value of Türkiye Is Bankasi A.S., is 884,004 TRY per share against a price of 502,018 TRY, so the fair value sits 76% above the price. A model estimate from reported figures, not an analyst target.

!Mixed Growth (revenue 5y +49.0 %/yr)
✓Solidly profitable · 16.2% net margin
✓Low debt · generates free cash flow
!Mixed vs. peers (5/10)
!Moderate moat 55/100
!Evidence only medium, so the estimate is less certain
Evidence: Medium Range 663,003 TRY to 1,105,005 TRY

Fair value as of: Aug 28, 2026

From 4 valuation models · updated 13 days ago

Share price −4.2% over the past month.

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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 →

What matters now

  • The large discount to fair value meets weak quality (44/100). That raises the risk this is a value trap rather than a bargain.
  • The price is below even our cautious bear case (663,003 TRY). The market is more pessimistic than our downside scenario.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

830,995 TRY 27,118 TRY Fair Value 884,004 TRY May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 28, 2026.

How to read this chart

60‑month range 27,118 TRY – 830,995 TRY · fair‑value band 663,003 TRY – 1,105,005 TRY · the 502,018 TRY price screens below the 884,004 TRY fair value. Dashed = 300-day average. As of Aug 28, 2026.

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Analysis

Türkiye Is Bankasi A.S., (ISBTR) currently trades at 502,018 TRY, while our model-based Fair Value estimate is 884,004 TRY, implying the stock looks roughly 43.2% undervalued today. The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector. How firm this estimate is: it rests on 23 models at a data quality of 93/100, which puts the evidence level at medium.

Over the trailing twelve months, Türkiye Is Bankasi A.S., generated revenue of 421B TRY at a net margin of 16.2%. Revenue grew 24.8% year over year. It earns a return on equity of 18.9%. Net debt stands at 56.0B TRY. Fundamentals as of Aug 28, 2026

Scenario range: 663,003 TRY (bear) to 1,105,005 TRY (bull), the price of 502,018 TRY sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 25% below its 52-week high and 35% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at 76%, ISBTR screens cheaper than that median.

Fair Value models

Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →

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
Highest evidence
P/E Multiple 22,819,483 TRY 30,425,977 TRY 38,032,472 TRY 63
Residual Income 14,966,627 TRY 19,901,205 TRY 58,554,368 TRY 63
P/B Multiple 15,498,761 TRY 20,665,015 TRY 25,831,269 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 15,498,761 TRY 20,665,015 TRY 25,831,269 TRY 55
Asset-Based
NCAV (Graham) 7,380,363 TRY 9,889,686 TRY 14,760,725 TRY 54
Economic Profit
Residual Income 14,966,627 TRY 19,901,205 TRY 58,554,368 TRY 63

Widest divergence: Multiples (20,665,015 TRY) versus Asset-Based (9,889,686 TRY). Highest evidence: P/E Multiple (63).

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Key figures & financial health

Net margin 16.0% FY2025
Return on equity 18.9% TTM
Return on assets (EBIT) 1.6% avg 5y
Operating margin 13.0% TTM
Revenue (TTM) 421B TRY TTM
Revenue growth (YoY) +24.8% 3y avg +40.4%
More key figures
Growth
EPS growth (YoY) −46.1%
Balance sheet & cash flow
Free cash flow 181B TRY FY2025
Net debt 56.0B TRY FY2025 · ≈ 0.3 yrs of FCF

Figures from reported company fundamentals · as of Aug 28, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 44/100

Of which business quality 52 · Market factors (momentum, volatility) 56

Profitability 31
Margins and returns on capital today
Quality Growth 59
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 67
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 54
Calm price path (market factor)
Momentum 62
Price trend over the last 3–12 months (market factor)
52W Momentum 47
Distance to the 52-week high (market factor)
Net Issuance 0
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

Growth Quality 100/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
424B TRY
Latest YoY
+51.0%
Avg. revenue growth/yr (3Y) ⓘ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.
+40.4%
Avg. revenue growth/yr (5Y) ⓘ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.
+49.0%
Avg. revenue growth/yr (11Y) ⓘ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.
+36.1%
Value creation/yr (5Y, in TRY) ⓘEarnings growth per share (CAGR 5 years, EBIT basis) plus dividend yield: value created per share and year. 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 yield: the value created per share and year.
Earnings growth per share+6.3%
Dividend yield0.0%
Trend ⓘ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.5Y −74.0% vs 10Y −45.7%, flattening
Operating margin (EBIT) ⓘ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.36.2% (2014) → 20.0% (2019) · falling
Worst earnings drop100% (2025) (loss year, drop beyond 100%) · in TRY
Revenue +63.0%/yr
FY21 60.0B TRY
FY22 153B TRY
FY23 234B TRY
FY24 281B TRY
FY25 424B TRY
Net income +49.6%/yr
FY21 13.5B TRY
FY22 61.6B TRY
FY23 72.3B TRY
FY24 45.5B TRY
FY25 67.9B TRY

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Türkiye Is Bankasi A.S., · Fair Value
884,004 TRY +43%Fair Value
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Cite: Fair Value Calculator (2026). "Türkiye Is Bankasi A.S., Fair Value". https://www.fairvalue-calculator.com/stock/ISBTR

Peer Group

Banks - Regional · 1073 stocks

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.

Valuation
Quality Score 49 · Below median
Fair Value upside +100% · Top 25%
Profitability
Return on equity (TTM) 19% · Top 25%
Return on assets 2% · Top 25%
Net margin (TTM) 16% · Bottom 25%
Operating margin (TTM) 13% · Bottom 25%
Growth and dividend
Revenue growth 25% · Top 25%
Dividend yield (TTM) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.19× · Below median

Context: sector, industry, market

Strength profile in five axes (Snowflake)

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE100 · sector 33
FUTURE100 · sector 44
PAST76 · sector 41
HEALTH90 · sector 85
DIVIDEND0 · sector 52

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 (as of Aug 28, 2026).

Stock Price Fair Value vs Fair Value
DBS Group D05 75.65 SGD 40.48 SGD −46%
China Merchants Bank Co 3968 HK$47.96 HK$76.51 +60%
Intesa Sanpaolo S.p.A ISP €6.74 €5.66 −16%
HDFC Bank Limited HDB $23.18 $24.12 +4%
BNP Paribas SA BNP €104.54 €144.64 +38%
UniCredit S.p.A UCG €84.43 €77.62 −8%
Mizuho Financial Group MFG $11.23 $9.72 −13%
ICICI Bank Limited ICICIBANK ₹1,423 ₹835.21 −41%
Oversea-Chinese Banking Corporation O39 31.07 SGD 19.80 SGD −36%
CaixaBank, S.A CABK €13.52 €8.85 −35%

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Frequently asked questions

Is Türkiye Is Bankasi A.S., (ISBTR) overvalued or undervalued?
As of Aug 28, 2026, our model estimates a fair value of 884,004 TRY versus a price of 502,018 TRY, about +76% upside (undervalued).
What is the fair value of ISBTR?
Our model-based fair value for Türkiye Is Bankasi A.S., is 884,004 TRY (as of Aug 28, 2026), built from audited fundamentals. The current price: 502,018 TRY.
What is the quality score of ISBTR?
Türkiye Is Bankasi A.S., has a Quality Score of 44/100. 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 884,004 TRY (as of Aug 28, 2026) from 4 valuation models. Cautious scenario 663,003 TRY, optimistic scenario 1,105,005 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 884,004 TRY, about +76% upside versus a price of 502,018 TRY (undervalued). Cautious scenario 663,003 TRY, optimistic scenario 1,105,005 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 Aug 28, 2026).
What is the net profit margin of ISBTR?
The net profit margin of Türkiye Is Bankasi A.S., is about 16.2%, meaning it keeps roughly 16.2% of revenue as net income. Based on the latest reported figures.
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 884,004 TRY per share (as of Aug 28, 2026), against a price of 502,018 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 Aug 28, 2026, ISBTR trades below its calculated fair value: price 502,018 TRY, fair value 884,004 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 (502,018 TRY); the fair value is what the company's own numbers justify (884,004 TRY). For Türkiye Is Bankasi A.S., the two are 381,987 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 12,550T TRY (market capitalisation, as of Aug 28, 2026). Per share that is 502,018 TRY; our models calculate a fair value of 884,004 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 663,003 TRY, base 884,004 TRY, optimistic 1,105,005 TRY per share (as of Aug 28, 2026, price 502,018 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 Aug 28, 2026): return on equity 18.9%, debt of 0.19 per unit of equity. They feed the Quality Score of 44/100, 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 502,018 TRY, about 25% below its 52-week high of 670,547 TRY and 35% above the low of 371,860 TRY (as of Aug 28, 2026). Distance from the high says nothing about value: that is what the fair value of 884,004 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, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Aug 28, 2026: price 502,018 TRY, calculated fair value 884,004 TRY (+76%), Quality Score 44/100, 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 884,004 TRY, with the spread shown as a cautious and an optimistic scenario.
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