Lider Faktoring A.S. (LIDFA) fair value: what the stock is really worth
As of Nov 10, 2026: fair value (intrinsic value) of Lider Faktoring A.S. stock TRY 3.52, price TRY 1.69, upside +108.3%, quality 44 out of 100. Rating: strongly undervalued. Calculated from audited financials with 8 of our 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. As of Nov 9, 2026.
How to read this chart
60‑month range 0.1509 TRY – 3.11 TRY · fair‑value band 1.84 TRY – 4.40 TRY · the 1.69 TRY price screens below the 3.52 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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Lider Faktoring A.S., a factoring company, provides various financing solutions industrial and commercial companies in Turkey. It offers factoring and asset management services; and collection and financing services for tracking of receivables.
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Lider Faktoring A.S. was formerly known as Lider Faktoring Hizmetleri A.S. and changed its name to Lider Faktoring A.S. in July 2013. The company was incorporated in 1992 and is headquartered in Istanbul, Turkey.
Stock analysis
Lider Faktoring A.S. (LIDFA) currently trades at 1.69 TRY, while our model-based Fair Value estimate is 3.52 TRY, implying the stock looks roughly 52% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 11.26 TRY per share, and 5 of the 8 models we run sit above the 1.69 TRY price.
Bear case: the Asset-Based group reads lowest at 1.16 TRY, and 3 of the 8 models stay below the price. Data coverage for this calculation is low.
Scenario range: 1.84 TRY (bear) to 4.40 TRY (bull), the price of 1.69 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 44/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Lider Faktoring A.S. reported revenue of 2.1B TRY in FY2025 versus 120M TRY in FY2021, a compound +104.2%/yr. Reported net income was 969M TRY in FY2025, compounding +124.5%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 2.8B TRY (≈ $55.5M) Micro · P/E ratio 2.5 · P/S ratio 0.50 · EPS (TTM) 0.6700 TRY · Dividend yield 6.1% · Net margin 19.9% · Return on equity 39.3% · Return on assets (EBIT) −0.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (medium confidence).
What moves the price
The share trades about 46% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at 108%, LIDFA screens cheaper than that median.
Fair Value models
Bear1.84 TRYFair Value 3.52 TRYBull4.40 TRY
Price 1.69 TRY · Upside +108.3%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.4893 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.Coverage ⓘCoverage = 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
+40.3%
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.
+70.5%
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.
+98.6%
Start year 2020 (pandemic)
Revenue growth 8 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.
+51.8%
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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. 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.
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 · 325 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score44 · Below median
Fair Value upside+108.3% · Top 25%
Profitability
Return on equity (12 months)39.3% · Top 25%
Return on assets7.4% · Top 25%
Net margin (12 months)19.9% · Below median
Operating margin (12 months)21.1% · Below median
Growth and dividend
Revenue growth (quarter YoY)38.8% · Top 25%
Dividend yield (12 months)6.1% · Top 25%
Balance sheet
Debt / equity0.02× · Lowest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Lider Faktoring A.S. (LIDFA) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of 3.52 TRY versus a price of 1.69 TRY, about +108% upside (undervalued).
What is the fair value of LIDFA?
Our model-based fair value for Lider Faktoring A.S. is 3.52 TRY (as of Nov 9, 2026), built from audited fundamentals. The current price: 1.69 TRY.
What is the quality score of LIDFA?
Lider Faktoring 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 Lider Faktoring A.S. (LIDFA)?
Our model-based price target is the fair value of 3.52 TRY (as of Nov 9, 2026) from 8 valuation models. Cautious scenario 1.84 TRY, optimistic scenario 4.40 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Lider Faktoring A.S. stock forecast for 2026?
Our models put fair value at 3.52 TRY, about +108% upside versus a price of 1.69 TRY (undervalued). Cautious scenario 1.84 TRY, optimistic scenario 4.40 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Lider Faktoring A.S. (LIDFA)?
Lider Faktoring A.S. reported trailing-twelve-month revenue of about 5.5B TRY (latest available figure, as of Nov 9, 2026).
Does Lider Faktoring A.S. pay a dividend?
Lider Faktoring A.S. currently shows a dividend yield of 6.09% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Lider Faktoring A.S. (LIDFA) and when is the ex-dividend date?
Lider Faktoring A.S. pays a dividend of 0.103 TRY per share a year, a dividend yield of 6.1%. The last ex-dividend date was May 21, 2026. The payout ratio is 15.4% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What is the intrinsic value of Lider Faktoring A.S. (LIDFA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Lider Faktoring A.S. it is 3.52 TRY per share (as of Nov 9, 2026), against a price of 1.69 TRY. It is the blended result of 8 valuation models in 5 families (Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Lider Faktoring A.S. stock overvalued or undervalued in 2026?
As of Nov 9, 2026, LIDFA trades below its calculated fair value: price 1.69 TRY, fair value 3.52 TRY, a gap of about +108% (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 LIDFA?
No. The price is what the market pays today (1.69 TRY); the fair value is what the company's own numbers justify (3.52 TRY). For Lider Faktoring A.S. the two are 1.83 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Lider Faktoring A.S. worth?
The market values Lider Faktoring A.S. at about 2.8B TRY (market capitalisation, as of Nov 9, 2026). Per share that is 1.69 TRY; our models calculate a fair value of 3.52 TRY per share.
What do the bullish and bearish scenarios say about LIDFA?
Our models span a range for Lider Faktoring A.S.: cautious scenario 1.84 TRY, base 3.52 TRY, optimistic 4.40 TRY per share (as of Nov 9, 2026, price 1.69 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LIDFA?
Lider Faktoring A.S. trades at a price-to-earnings ratio of 2.5 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 3.52 TRY is built from several models across several years. Other multiples: P/B 1.0, P/S 0.5, EV/EBITDA 3.1.
How solid is the balance sheet of Lider Faktoring A.S. (LIDFA)?
Balance-sheet figures for Lider Faktoring A.S. (as of Nov 9, 2026): return on equity 39.3%, debt of 0.02 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is LIDFA from its 52-week high?
Lider Faktoring A.S. trades at 1.69 TRY, about 46% below its 52-week high of 3.11 TRY and 26% above the low of 1.34 TRY (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of 3.52 TRY is for.
Which stocks are comparable to Lider Faktoring A.S.?
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 Lider Faktoring A.S. stock attractive at the current price?
The data as of Nov 9, 2026: price 1.69 TRY, calculated fair value 3.52 TRY (+108%), Quality Score 44/100, from 8 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 LIDFA calculated?
We run Lider Faktoring A.S. through 8 models from 5 families: Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 3.52 TRY builds on their evidence-weighted average, 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 15.1% above its aggregate fair value. Lider Faktoring A.S. currently trades 52% 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 Lider Faktoring A.S. (LIDFA)?
The closing price on Nov 10, 2026 was 1.69 TRY. Our model-based fair value is 3.52 TRY, about +108% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Lider Faktoring A.S. right 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 (1.84 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. A fairly wide model range (1.84 TRY to 4.40 TRY) leaves room in how you read the outcome.
Key figures of Lider Faktoring A.S.
How large is the market capitalisation of Lider Faktoring A.S. (LIDFA)?
The market capitalisation of Lider Faktoring A.S. is 2.8B TRY (≈ $55.5M). 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 Lider Faktoring A.S. (LIDFA)?
The price-to-sales ratio of Lider Faktoring A.S. is 0.50 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Lider Faktoring A.S. (LIDFA)?
Earnings per share at Lider Faktoring A.S. are 0.6700 TRY (price ÷ EPS = P/E 2.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Lider Faktoring A.S. (LIDFA)?
The dividend yield of Lider Faktoring A.S. is 6.1% (payout 15.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Lider Faktoring A.S. (LIDFA)?
The net margin of Lider Faktoring A.S. is 19.9% (last twelve months). 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 Lider Faktoring A.S. (LIDFA)?
The return on equity (ROE) of Lider Faktoring A.S. is 39.3% (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 Lider Faktoring A.S. (LIDFA)?
On an EBIT basis the return on assets of Lider Faktoring A.S. is −0.1% (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 Lider Faktoring A.S. (LIDFA)?
The operating margin of Lider Faktoring A.S. is 21.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Lider Faktoring A.S. (LIDFA)?
Revenue at Lider Faktoring A.S. is growing +38.8% versus a year earlier (3y avg +70.5%). 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 Lider Faktoring A.S. (LIDFA)?
Earnings per share at Lider Faktoring A.S. are growing +32.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Lider Faktoring A.S. (LIDFA) generate?
The free cash flow of Lider Faktoring A.S. is −9.2B 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 Lider Faktoring A.S. (LIDFA) carry?
The net debt of Lider Faktoring A.S. is 9.2B 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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Thin data
Nov 9, 2026