Is Finansal Kiralama Anonim Sirketi (ISFIN) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Is Finansal Kiralama Anonim Sirketi TRY 36.00, price TRY 18.00, upside +100.0%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 2.76 TRY – 21.70 TRY · fair‑value band 27.00 TRY – 45.00 TRY · the 18.00 TRY price screens below the 36.00 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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Is Finansal Kiralama Anonim Sirketi engages in financial leasing services in Turkey and internationally. The company's leasing products include sale and lease back, software leasing, leasing abroad, leasing in free zones, and operational leasing.
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Is Finansal Kiralama Anonim Sirketi engages in financial leasing services in Turkey and internationally. The company's leasing products include sale and lease back, software leasing, leasing abroad, leasing in free zones, and operational leasing. The company is also involved in leasing of construction and business machinery, renewable energy projects, passenger and commercial vehicles, production machines, agricultural machinery, medical devices, real estate, air and sea transportation vehicles, and others. It also provides secondhand sales platform, insurance procedures, and after sales services. Is Finansal Kiralama Anonim Sirketi was incorporated in 1988 and is headquartered in Istanbul, Turkey.
Stock analysis
Is Finansal Kiralama Anonim Sirketi (ISFIN) currently trades at 18.00 TRY, while our model-based Fair Value estimate is 36.00 TRY, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 122.95 TRY per share, and 5 of the 6 models we run sit above the 18.00 TRY price.
Bear case: the Asset-Based group reads lowest at 11.64 TRY, and 1 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: 27.00 TRY (bear) to 45.00 TRY (bull), the price of 18.00 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 45/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Is Finansal Kiralama Anonim Sirketi reported revenue of 7.9B TRL in FY2025 versus 926M TRL in FY2021, a compound +70.9%/yr. Reported net income was 3.6B TRL in FY2025, compounding +85.0%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 14.4B TRY (≈ $295M) · P/E ratio 3.1 · P/S ratio 1.41 · EPS (TTM) 5.88 TRY · Net margin 45.9% · Return on equity 34.1% · Return on assets (EBIT) 1.1% · Operating margin 81.8%.
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 17% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 100%, ISFIN screens cheaper than that median.
Fair Value models
Bear 27.00 TRYFair Value 36.00 TRYBull 45.00 TRY
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (4.35 TRY per share) are deliberately not added.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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+78.8%
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.
+61.3%
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.
+69.3%
Start year 2020 (pandemic). Over 10 years: +42.6% a year
Revenue growth 24 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.
−32.5%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+79.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+79.7%
Dividend (yield on the price)0.0%
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.96% → −13%
2025 sits 92% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare Is Finansal Kiralama Anonim Sirketi with another stock
Price, fair value, quality and upside side by side.
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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.Credit Services · 329 stocks
Beats the industry median on 9/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score42 · Below median
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)34.1% · Top 25%
Return on assets4.2% · Above median
Net margin (TTM)65.8% · Top 25%
Operating margin (TTM)81.8% · Top 25%
Growth and dividend
Revenue growth140.6% · Top 25%
Balance sheet
Debt / equity0.11× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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.
Is Is Finansal Kiralama Anonim Sirketi (ISFIN) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 36.00 TRY versus a price of 18.00 TRY, about +100% upside (undervalued).
What is the fair value of ISFIN?
Our model-based fair value for Is Finansal Kiralama Anonim Sirketi is 36.00 TRY (as of Sep 27, 2026), built from audited fundamentals. The current price: 18.00 TRY.
What is the quality score of ISFIN?
Is Finansal Kiralama Anonim Sirketi has a Quality Score of 45/100. 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 Is Finansal Kiralama Anonim Sirketi (ISFIN)?
Our model-based price target is the fair value of 36.00 TRY (as of Sep 27, 2026) from 6 valuation models. Cautious scenario 27.00 TRY, optimistic scenario 45.00 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Is Finansal Kiralama Anonim Sirketi stock forecast for 2026?
Our models put fair value at 36.00 TRY, about +100% upside versus a price of 18.00 TRY (undervalued). Cautious scenario 27.00 TRY, optimistic scenario 45.00 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Is Finansal Kiralama Anonim Sirketi (ISFIN)?
Is Finansal Kiralama Anonim Sirketi reported trailing-twelve-month revenue of about 6.2B TRY (latest available figure, as of Sep 27, 2026).
What is the intrinsic value of Is Finansal Kiralama Anonim Sirketi (ISFIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Is Finansal Kiralama Anonim Sirketi it is 36.00 TRY per share (as of Sep 27, 2026), against a price of 18.00 TRY. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Is Finansal Kiralama Anonim Sirketi stock overvalued or undervalued in 2026?
As of Sep 27, 2026, ISFIN trades below its calculated fair value: price 18.00 TRY, fair value 36.00 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 ISFIN?
No. The price is what the market pays today (18.00 TRY); the fair value is what the company's own numbers justify (36.00 TRY). For Is Finansal Kiralama Anonim Sirketi the two are 18.00 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Is Finansal Kiralama Anonim Sirketi worth?
The market values Is Finansal Kiralama Anonim Sirketi at about 14.4B TRY (market capitalisation, as of Sep 27, 2026). Per share that is 18.00 TRY; our models calculate a fair value of 36.00 TRY per share.
What do the bullish and bearish scenarios say about ISFIN?
Our models span a range for Is Finansal Kiralama Anonim Sirketi: cautious scenario 27.00 TRY, base 36.00 TRY, optimistic 45.00 TRY per share (as of Sep 27, 2026, price 18.00 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ISFIN?
Is Finansal Kiralama Anonim Sirketi trades at a price-to-earnings ratio of 3.1 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 36.00 TRY is built from several models across several years. Other multiples: P/B 1.2, P/S 2.3.
How solid is the balance sheet of Is Finansal Kiralama Anonim Sirketi (ISFIN)?
Balance-sheet figures for Is Finansal Kiralama Anonim Sirketi (as of Sep 27, 2026): return on equity 34.1%, debt of 0.11 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is ISFIN from its 52-week high?
Is Finansal Kiralama Anonim Sirketi trades at 18.00 TRY, about 17% below its 52-week high of 21.70 TRY and 10% above the low of 16.35 TRY (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of 36.00 TRY is for.
Which stocks are comparable to Is Finansal Kiralama Anonim Sirketi?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Is Finansal Kiralama Anonim Sirketi stock attractive at the current price?
The data as of Sep 27, 2026: price 18.00 TRY, calculated fair value 36.00 TRY (+100%), Quality Score 45/100, from 6 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 ISFIN calculated?
We run Is Finansal Kiralama Anonim Sirketi through 6 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 36.00 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 16.2 % above its aggregate fair value. Is Finansal Kiralama Anonim Sirketi currently trades 100 % 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 Is Finansal Kiralama Anonim Sirketi (ISFIN)?
The closing price on Sep 25, 2026 was 18.00 TRY. Our model-based fair value is 36.00 TRY, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Is Finansal Kiralama Anonim Sirketi right now?
The price is below even our cautious bear case (27.00 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 (45/100) 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 Is Finansal Kiralama Anonim Sirketi
How large is the market capitalisation of Is Finansal Kiralama Anonim Sirketi (ISFIN)?
The market capitalisation of Is Finansal Kiralama Anonim Sirketi is 14.4B TRY (≈ $295M). 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 P/S ratio of Is Finansal Kiralama Anonim Sirketi (ISFIN)?
The price-to-sales ratio of Is Finansal Kiralama Anonim Sirketi is 1.41 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Is Finansal Kiralama Anonim Sirketi (ISFIN)?
Earnings per share at Is Finansal Kiralama Anonim Sirketi are 5.88 TRY (price ÷ EPS = P/E 3.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Is Finansal Kiralama Anonim Sirketi (ISFIN)?
The net margin of Is Finansal Kiralama Anonim Sirketi is 45.9% (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 Is Finansal Kiralama Anonim Sirketi (ISFIN)?
The return on equity (ROE) of Is Finansal Kiralama Anonim Sirketi is 34.1% (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 Is Finansal Kiralama Anonim Sirketi (ISFIN)?
On an EBIT basis the return on assets of Is Finansal Kiralama Anonim Sirketi is 1.1% (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 Is Finansal Kiralama Anonim Sirketi (ISFIN)?
The operating margin of Is Finansal Kiralama Anonim Sirketi is 81.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Is Finansal Kiralama Anonim Sirketi (ISFIN)?
Revenue at Is Finansal Kiralama Anonim Sirketi is growing +141% versus a year earlier (3y avg +61.3%). 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 Is Finansal Kiralama Anonim Sirketi (ISFIN)?
Earnings per share at Is Finansal Kiralama Anonim Sirketi are growing +29.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Is Finansal Kiralama Anonim Sirketi (ISFIN) generate?
The free cash flow of Is Finansal Kiralama Anonim Sirketi is −9.7B 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 Is Finansal Kiralama Anonim Sirketi (ISFIN) carry?
The net debt of Is Finansal Kiralama Anonim Sirketi is 80.6B TRY (fiscal year 2025). 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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