Seker Finansal Kiralama AS (SEKFK) fair value: what the stock is really worth
As of Oct 30, 2026: fair value (intrinsic value) of Seker Finansal Kiralama AS stock TRY 4.80, price TRY 2.40, upside +100.0%, quality 50 out of 100. Rating: strongly undervalued. 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. As of Oct 29, 2026.
How to read this chart
60‑month range 1.20 TRY – 7.12 TRY · fair‑value band 1.35 TRY – 7.49 TRY · the 2.40 TRY price screens below the 4.80 TRY fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 29, 2026.
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Seker Finansal Kiralama A.S. provides equipment financing and leasing services.
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It offers leasing services for the purchase of production machinery, construction equipment and forklifts, logistics transportation and transportation equipment, commercial/passenger vehicles, agriculture equipment, medical devices, yachts and boats, real estate, and energy production and technology packages, as well as real estate comprising business premises, offices, factory buildings, lands, etc.
The company also provides operational leasing, SME, women entrepreneurs, start-up, and sales lease back packages; and insurance services. Seker Finansal Kiralama A.S. was incorporated in 1997 and is headquartered in Istanbul, Turkey.
Stock analysis
Seker Finansal Kiralama AS (SEKFK) currently trades at 2.40 TRY, while our model-based Fair Value estimate is 4.80 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 34.45 TRY per share, and 10 of the 12 models we run sit above the 2.40 TRY price.
Bear case: the Dividend Discount group reads lowest at 0.9000 TRY, and 2 of the 12 models stay below the price. Data coverage for this calculation is low.
Scenario range: 1.35 TRY (bear) to 7.49 TRY (bull), the price of 2.40 TRY sits inside 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 50/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Seker Finansal Kiralama AS reported revenue of 1.5B TRY in FY2025 versus 114M TRY in FY2021, a compound +92.0%/yr. Reported net income was 197M TRY in FY2025, compounding +42.4%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 480M TRY (≈ $9.6M) Micro · P/E ratio 2.0 · P/S ratio 0.26 · EPS (TTM) 1.19 TRY · Dividend yield 3.4% · Net margin 12.7% · Return on equity 23.2% · Return on assets (EBIT) −0.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (medium confidence).
What moves the price
The share trades about 65% below its 52-week high and at 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%, SEKFK screens cheaper than that median.
Fair Value models
Bear1.35 TRYFair Value 4.80 TRYBull7.49 TRY
Price 2.40 TRY · Upside +100.0%
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 (0.9879 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.91/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+41.6%
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.
+61.7%
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.
+72.7%
Start year 2020 (pandemic)
Revenue growth 22 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.
+18.3%
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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.
+29.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+26.3%
Dividend (yield on the price)3.4%
Profit margin 2020 to 2025 ⓘ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.−47% → 7%
Compare Seker Finansal Kiralama AS 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 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (12 months)23.2% · Top 25%
Return on assets4.0% · Above median
Net margin (12 months)33.9% · Above median
Operating margin (12 months)−6.8% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)1.3% · Below median
Dividend yield (12 months)3.4% · Above median
Balance sheet
Debt / equity1.17× · Above median
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.
Cite: Fair Value Calculator (2026). "Seker Finansal Kiralama AS Fair Value". https://www.fairvalue-calculator.com/stock/SEKFK
Frequently asked questions
Is Seker Finansal Kiralama AS (SEKFK) overvalued or undervalued?
As of Oct 29, 2026, our model estimates a fair value of 4.80 TRY versus a price of 2.40 TRY, about +100% upside (undervalued).
What is the fair value of SEKFK?
Our model-based fair value for Seker Finansal Kiralama AS is 4.80 TRY (as of Oct 29, 2026), built from audited fundamentals. The current price: 2.40 TRY.
What is the quality score of SEKFK?
Seker Finansal Kiralama AS has a Quality Score of 50/100. 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 Seker Finansal Kiralama AS (SEKFK)?
Our model-based price target is the fair value of 4.80 TRY (as of Oct 29, 2026) from 12 valuation models. Cautious scenario 1.35 TRY, optimistic scenario 7.49 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Seker Finansal Kiralama AS stock forecast for 2026?
Our models put fair value at 4.80 TRY, about +100% upside versus a price of 2.40 TRY (undervalued). Cautious scenario 1.35 TRY, optimistic scenario 7.49 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Seker Finansal Kiralama AS (SEKFK)?
Seker Finansal Kiralama AS reported trailing-twelve-month revenue of about 640M TRY (latest available figure, as of Oct 29, 2026).
Does Seker Finansal Kiralama AS pay a dividend?
Seker Finansal Kiralama AS currently shows a dividend yield of 3.44% relative to its recent price (as of Oct 29, 2026).
What is the intrinsic value of Seker Finansal Kiralama AS (SEKFK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Seker Finansal Kiralama AS it is 4.80 TRY per share (as of Oct 29, 2026), against a price of 2.40 TRY. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is Seker Finansal Kiralama AS stock overvalued or undervalued in 2026?
As of Oct 29, 2026, SEKFK trades below its calculated fair value: price 2.40 TRY, fair value 4.80 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 SEKFK?
No. The price is what the market pays today (2.40 TRY); the fair value is what the company's own numbers justify (4.80 TRY). For Seker Finansal Kiralama AS the two are 2.40 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Seker Finansal Kiralama AS worth?
The market values Seker Finansal Kiralama AS at about 480M TRY (market capitalisation, as of Oct 29, 2026). Per share that is 2.40 TRY; our models calculate a fair value of 4.80 TRY per share.
What do the bullish and bearish scenarios say about SEKFK?
Our models span a range for Seker Finansal Kiralama AS: cautious scenario 1.35 TRY, base 4.80 TRY, optimistic 7.49 TRY per share (as of Oct 29, 2026, price 2.40 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SEKFK?
Seker Finansal Kiralama AS trades at a price-to-earnings ratio of 2.0 (as of Oct 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 4.80 TRY is built from several models across several years. Other multiples: P/B 0.5, P/S 0.8, EV/EBITDA 11.9.
How solid is the balance sheet of Seker Finansal Kiralama AS (SEKFK)?
Balance-sheet figures for Seker Finansal Kiralama AS (as of Oct 29, 2026): return on equity 23.2%, debt of 1.17 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is SEKFK from its 52-week high?
Seker Finansal Kiralama AS trades at 2.40 TRY, about 65% below its 52-week high of 6.78 TRY and at the low of 2.40 TRY (as of Oct 30, 2026). Distance from the high says nothing about value: that is what the fair value of 4.80 TRY is for.
Which stocks are comparable to Seker Finansal Kiralama AS?
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 Seker Finansal Kiralama AS stock attractive at the current price?
The data as of Oct 29, 2026: price 2.40 TRY, calculated fair value 4.80 TRY (+100%), Quality Score 50/100, from 12 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 SEKFK calculated?
We run Seker Finansal Kiralama AS through 12 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 4.80 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 13.1 % above its aggregate fair value. Seker Finansal Kiralama AS currently trades 50 % 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 Seker Finansal Kiralama AS (SEKFK)?
The closing price on Oct 30, 2026 was 2.40 TRY. Our model-based fair value is 4.80 TRY, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Seker Finansal Kiralama AS right now?
The model range is unusually wide (1.35 TRY to 7.49 TRY). The outcome hinges heavily on assumptions, so read the point estimate with caution. 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 (50/100) 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 Seker Finansal Kiralama AS
How large is the market capitalisation of Seker Finansal Kiralama AS (SEKFK)?
The market capitalisation of Seker Finansal Kiralama AS is 480M TRY (≈ $9.6M). 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 Seker Finansal Kiralama AS (SEKFK)?
The price-to-sales ratio of Seker Finansal Kiralama AS is 0.26 (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 Seker Finansal Kiralama AS (SEKFK)?
Earnings per share at Seker Finansal Kiralama AS are 1.19 TRY (price ÷ EPS = P/E 2.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Seker Finansal Kiralama AS (SEKFK)?
The dividend yield of Seker Finansal Kiralama AS is 3.4% (payout 6.9%). 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 Seker Finansal Kiralama AS (SEKFK)?
The net margin of Seker Finansal Kiralama AS is 12.7% (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 Seker Finansal Kiralama AS (SEKFK)?
The return on equity (ROE) of Seker Finansal Kiralama AS is 23.2% (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 Seker Finansal Kiralama AS (SEKFK)?
On an EBIT basis the return on assets of Seker Finansal Kiralama AS is −0.5% (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 Seker Finansal Kiralama AS (SEKFK)?
The operating margin of Seker Finansal Kiralama AS is −6.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Seker Finansal Kiralama AS (SEKFK)?
Revenue at Seker Finansal Kiralama AS is growing +1.3% versus a year earlier (3y avg +61.7%). 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 Seker Finansal Kiralama AS (SEKFK)?
Earnings per share at Seker Finansal Kiralama AS are growing −3.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Seker Finansal Kiralama AS (SEKFK) generate?
The free cash flow of Seker Finansal Kiralama AS is 811M 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 Seker Finansal Kiralama AS (SEKFK) carry?
The net debt of Seker Finansal Kiralama AS is 3.2B TRY (fiscal year 2025, ≈ 3.9 yrs of FCF). 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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Oct 29, 2026