Türkiye Is Bankasi A.S., (ISCTR) Fair Value & Analysis
Financial Services · TR · Market cap 314B TRY
Fair value as of: Aug 13, 2026
From 4 valuation models · updated today
Share price −8.3% over the past month.
A solid business, screening 100% undervalued on our models.
What matters now
- The price is below even our cautious bear case (18.84 TRY). The market is more pessimistic than our downside scenario.
- Solid quality (61/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 0.7460 TRY – 17.41 TRY · fair‑value band 18.84 TRY – 31.41 TRY · the 12.56 TRY price screens below the 25.12 TRY fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Türkiye Is Bankasi A.S., (ISCTR) currently trades at 12.56 TRY, while our model-based Fair Value estimate is 25.12 TRY, implying the stock looks roughly 100.0% undervalued today. The Quality Score stands at 61/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
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 13, 2026
Our scenario range runs from 18.84 TRY (bear case) to 31.41 TRY (bull case); at 12.56 TRY, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 28% below its 52-week high and 18% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 100%, ISCTR screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Economic Profit (24.82 TRY) versus Asset-Based (11.47 TRY). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 67 · Market factors (momentum, volatility) 40
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.
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 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.
of which total revenue +26.3 pp · buybacks/dilution −21.9 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
Watch ISCTR: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1086 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 Multiples vs Banks - Regional median · lower = cheaper
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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