Türkiye Is Bankasi A.S. (ISCTR) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Türkiye Is Bankasi A.S. TRY 27.02, price TRY 12.45, upside +117.0%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Türkiye Is Bankasi A.S.
ISCTR · ISClearly undervaluedStrong Fair Value upside, but quality is only moderate.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range 0.7504 TRY – 17.41 TRY · fair‑value band 20.27 TRY – 33.78 TRY · the 12.45 TRY price screens below the 27.02 TRY fair value. Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
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., (ISCTR) currently trades at 12.45 TRY, while our model-based Fair Value estimate is 27.02 TRY, implying the stock looks roughly 53.9% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 23.97 TRY per share, and 3 of the 4 models we run sit above the 12.45 TRY price.
Bear case: the Asset-Based group reads lowest at 11.47 TRY, and 1 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: 20.27 TRY (bear) to 33.78 TRY (bull), the price of 12.45 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 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Türkiye Is Bankasi A.S., reported revenue of 424B TRL in FY2025 versus 60.0B TRL in FY2021, a compound +63.0%/yr. Reported net income was 67.9B TRL in FY2025, compounding +49.6%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 311B TRY (≈ $6.3B) · P/E ratio 4.1 · P/S ratio 0.65 · EPS (TTM) 3.05 TRY · Net margin 16.0% · Return on equity 18.9% · Return on assets (EBIT) 3.5% · Operating margin 13.0%.
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 28% below its 52-week high and 15% 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 117%, ISCTR screens cheaper than that median.
Fair Value models
All 4 models by family
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Set up alert →Quality Score breakdown
Of which business quality 67 · Market factors (momentum, volatility) 45
Revenue & earnings trend
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Compare Türkiye Is Bankasi A.S., with another stock
Price, fair value, quality and upside side by side.
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 · 1053 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
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Frequently asked questions
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