QNB Finansal Kiralama A.S. (QNBFK) Fair Value & Analysis
Financial Services · TR · Market cap 108B TRY
Fair value as of: Aug 1, 2026
From 13 valuation models · updated today
Share price +13.3% over the past month.
What matters now
- The price sits above even our optimistic bull case (18.29 TRY). The favourable scenario is already priced in.
- Solid but not exceptional quality (46/100) and above fair value, neither a clear bargain nor a standout compounder.
- 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 (12 months)
12‑month range 35.90 TRY – 81.80 TRY · fair‑value band 10.97 TRY – 18.29 TRY · the 49.20 TRY price screens above the 14.63 TRY fair value. As of Aug 1, 2026.
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QNB Finansal Kiralama A.S. (QNBFK) currently trades at 49.20 TRY, while our model-based Fair Value estimate is 14.63 TRY, implying the stock looks roughly 70.3% overvalued today. We read business quality at 46/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, QNB Finansal Kiralama A.S. generated revenue of 3.2B TRY at a net margin of 63.8%. Revenue grew 64.0% year over year. It earns a return on equity of 32.9%. Net debt stands at 41.5B TRY. Fundamentals as of Aug 1, 2026
Our scenario range runs from 10.97 TRY (bear case) to 18.29 TRY (bull case); at 49.20 TRY, the current price sits above that range. The share trades about 54% below its 52-week high and 37% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -20% fair-value upside, at -70%, QNBFK screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 1, 2026. TTM = trailing twelve months.
Quality Score breakdown
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
QNB Finansal Kiralama A.S. provides financial leasing services in Turkey and internationally. It offers finance leasing services for business and construction machinery, metalworking machines, real estate, energy and energy efficiency equipment, medical devices and equipment, yacht/boat, agricultural machinery, audio and video systems, elevators and …
Full company description
QNB Finansal Kiralama A.S. provides financial leasing services in Turkey and internationally. It offers finance leasing services for business and construction machinery, metalworking machines, real estate, energy and energy efficiency equipment, medical devices and equipment, yacht/boat, agricultural machinery, audio and video systems, elevators and escalators, power transmission and distribution systems, passenger cars, aircraft, special purpose vehicles, printing machines, textile machinery, commercial vehicles, heating and cooling equipment, furniture equipment, production machinery, and technological equipment. The company was formerly known as QNB Finans Finansal Kiralama AS and changed its name to QNB Finansal Kiralama A.S. in October 2024. The company was incorporated in 1990 and is headquartered in Istanbul, Turkey. QNB Finansal Kiralama A.S. is a subsidiary of QNB Bank A.S.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
QNB Finansal Kiralama A.S. reported revenue of 6.7B TRY in FY2025 versus 856M TRY in FY2021, a compound +67.3%/yr. Reported net income was 1.8B TRY in FY2025, compounding +73.6%/yr from FY2021.
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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 Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 1, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €287.50 | €226.82 | -21% |
| Mastercard Incorporated M4I | €424.30 | €242.93 | -43% |
| American Express Company AXPB34 | R$173.50 | R$21.95 | -87% |
| Capital One Financial Corporation COF | 3,151 MXN | 2,512 MXN | -20% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
| PayPal Holdings PYPL | 720.50 MXN | 1,155 MXN | +60% |
| Shriram Finance Limited SHRIRAMFIN | ₹897.35 | ₹769.17 | -14% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,503 | ₹1,340 | -11% |
| Tata Capital Limited TATACAP | ₹321.30 | ₹125.28 | -61% |
| Power Finance Corporation PFC | ₹431.30 | ₹616.44 | +43% |
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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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