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Unlu Yatirim Holding AS (UNLU) fair value: what the stock is really worth

As of Oct 30, 2026: fair value (intrinsic value) of Unlu Yatirim Holding AS stock TRY 16.48, price TRY 7.80, upside +111.3%, quality 36 out of 100. Rating: strongly undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

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Financial Services TR · ISIN TREUNCO00023

UY Unlu Yatirim Holding AS logo Thin data Oct 29, 2026

Unlu Yatirim Holding AS

UNLU · IS
Cheap, value-trap risk

The stock costs 53% less than our calculation considers fair.

Fair value 16.48 TRY · Strongly undervalued (53%)
Low debt
Even on cautious assumptions the value is 79% above the price (13.99 TRY).
Expensive Growth (revenue 5y +80.9 %/yr in TRY)
Mixed vs. peers (5/11)
Quality 36/100
Loss-making · -1.2% net margin (TTM)
Negative free cash flow
Narrow moat 13/100 · thin data
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

24.00 TRY 4.55 TRY Fair Value 16.48 TRY Jul 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year. As of Oct 29, 2026.

How to read this chart

60‑month range 4.55 TRY – 24.00 TRY · fair‑value band 13.99 TRY – 19.16 TRY · the 7.80 TRY price screens below the 16.48 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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Company profile

ÜNLÜ Yatirim Holding A.S. provides investment advisory and asset management services to investors, corporates, multinationals, and financial institutions in Turkey.

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It operates through Brokerage Activities and Corporate Financing Activities; Asset Management Financial Consultancy and Investment Services; Venture capital; and Investment Holding Services segments.

The company offers corporate finance advisory, such as mergers and acquisitions, and corporate debt advisory services.

It also provides capital markets services comprising public offerings and block sales, corporate sales, research services, and debt capital markets; and investment advisory and brokerage services, including equities, futures and options, mutual funds, structured debt instruments, over-the-counter derivatives, fixed-income securities, international markets, and portfolio brokerage services.

In addition, the company offers asset management services, such as non-performing loans management; "venture capital and private equity; "treasury and cash management; and portfolio management services. ÜNLÜ Yatirim Holding A.S. was founded in 1996 and is headquartered in Istanbul, Turkey.

Stock analysis

Unlu Yatirim Holding AS (UNLU) currently trades at 7.80 TRY, while our model-based Fair Value estimate is 16.48 TRY, implying the stock looks roughly 52.7% undervalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of 19.64 TRY per share, and 5 of the 6 models we run sit above the 7.80 TRY price.

Bear case: the Asset-Based group reads lowest at 2.44 TRY, and 1 of the 6 models stay below the price. Data coverage for this calculation is low.

Scenario range: 13.99 TRY (bear) to 19.16 TRY (bull), the price of 7.80 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 36/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Unlu Yatirim Holding AS reported revenue of 49.9B TRY in FY2025 versus 5.0B TRY in FY2021, a compound +77.7%/yr. Reported net income was −206M TRY in FY2025.

Key figures

Market cap 1.4B TRY (≈ $27.4M) Micro · P/S ratio 0.06 · EPS (TTM) −1.99 TRY · Net margin −1.2% · Return on equity −10.3% · Return on assets (EBIT) 11.2% · Operating margin −2.0% · Revenue (TTM) 23.2B TRY.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 13 out of 100 (low confidence).

What moves the price

The share trades about 58% 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 −17% fair-value upside, at 111%, UNLU screens cheaper than that median.

Fair Value models

Bear 13.99 TRY Fair Value 16.48 TRY Bull 19.16 TRY
Price 7.80 TRY · Upside +111.3%
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. 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.
Best data coverage
EPV 16.26 TRY 17.58 TRY 18.65 TRY 74
ROIC Compounder 16.50 TRY 19.64 TRY 22.26 TRY 70
EV/EBITDA 13.01 TRY 19.15 TRY 25.28 TRY 66
All 6 models by family
Earnings-Based
EPV 16.26 TRY 17.58 TRY 18.65 TRY 74
Multiples
EV/EBIT 13.01 TRY 19.15 TRY 25.28 TRY 65
EV/EBITDA 13.01 TRY 19.15 TRY 25.28 TRY 66
EV/Revenue 13.21 TRY 21.19 TRY 29.17 TRY 53
Asset-Based
NCAV (Graham) 1.61 TRY 2.44 TRY 3.05 TRY 54
Economic Profit
ROIC Compounder 16.50 TRY 19.64 TRY 22.26 TRY 70

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Quality Score breakdown

Overall quality 36/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 39
How much profit the company makes from its sales and capital
Quality Growth 21
Are margins and returns getting better?
Cashflow 20
Do the profits arrive as real cash?
Financial strength 50
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 62
How calm the share price moves, does not count
Momentum 6
Price trend of the last 3 to 12 months, does not count
Near the 52-week high 0
Distance to the 52-week high, does not count
New shares 81
Buys back shares or issues new ones?

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Revenue & earnings trend

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. 38/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−31.3%
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.
+68.3%
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.
+80.9%
Start year 2020 (pandemic)
Revenue growth 7 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.
+60.1%
Profit margin (trend) ⓘ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.
2.2% (2020) → 0.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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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.Capital Markets · 461 stocks

Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 36 · Bottom 25%
Fair Value upside +111.3% · Top 25%
Profitability
Return on assets −3.7% · Bottom 25%
Net margin (12 months) −1.2% · Bottom 25%
Operating margin (12 months) −2.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −75.4% · Bottom 25%
Balance sheet
Debt / equity 0.03× · Below median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/B 0.49× · Cheapest 25%
P/S (12 months) 0.06× · Cheapest 25%
EV/EBITDA 0.8× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 41
FUTURE (revenue growth)0 · sector 69
PAST (return on equity)0 · sector 32
HEALTH (low debt)99 · sector 94
DIVIDEND (yield)0 · sector 47

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Morgan Stanley, a financial holding company, MS $190.00 $314.07 +65% vs UNLU
The Charles Schwab Corporation SCHW $89.47 $117.60 +31% vs UNLU
Guotai Haitong Securities Co 601211 ¥16.27 ¥19.29 +19% vs UNLU
Nomura Holdings NMR $9.38 $10.23 +9% vs UNLU
The Goldman Sachs Group GS $927.73 $766.86 −17% vs UNLU
CITIC Securities Company 600030 ¥24.50 ¥18.35 −25% vs UNLU
Robinhood Markets, Inc HOOD $84.99 $47.60 −44% vs UNLU
Macquarie Group MQG A$252.44 A$80.51 −68% vs UNLU
Interactive Brokers Group IBKR $76.90 $24.40 −68% vs UNLU
East Money Information Co 300059 ¥18.11 ¥4.94 −73% vs UNLU

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Unlu Yatirim Holding AS · Fair Value
16.48 TRY +53%Fair Value
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Cite: Fair Value Calculator (2026). "Unlu Yatirim Holding AS Fair Value". https://www.fairvalue-calculator.com/stock/UNLU

Frequently asked questions

Is Unlu Yatirim Holding AS (UNLU) overvalued or undervalued?
As of Oct 29, 2026, our model estimates a fair value of 16.48 TRY versus a price of 7.80 TRY, about +111% upside (undervalued).
What is the fair value of UNLU?
Our model-based fair value for Unlu Yatirim Holding AS is 16.48 TRY (as of Oct 29, 2026), built from audited fundamentals. The current price: 7.80 TRY.
What is the quality score of UNLU?
Unlu Yatirim Holding AS has a Quality Score of 36/100. 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 Unlu Yatirim Holding AS (UNLU)?
Our model-based price target is the fair value of 16.48 TRY (as of Oct 29, 2026) from 6 valuation models. Cautious scenario 13.99 TRY, optimistic scenario 19.16 TRY. It is a calculation from audited fundamentals, not an analyst target.
What is the Unlu Yatirim Holding AS stock forecast for 2026?
Our models put fair value at 16.48 TRY, about +111% upside versus a price of 7.80 TRY (undervalued). Cautious scenario 13.99 TRY, optimistic scenario 19.16 TRY. The calculation is refreshed regularly with new filings.
What is the revenue of Unlu Yatirim Holding AS (UNLU)?
Unlu Yatirim Holding AS reported trailing-twelve-month revenue of about 23.2B TRY (latest available figure, as of Oct 29, 2026).
What is the intrinsic value of Unlu Yatirim Holding AS (UNLU)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Unlu Yatirim Holding AS it is 16.48 TRY per share (as of Oct 29, 2026), against a price of 7.80 TRY. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Unlu Yatirim Holding AS stock overvalued or undervalued in 2026?
As of Oct 29, 2026, UNLU trades below its calculated fair value: price 7.80 TRY, fair value 16.48 TRY, a gap of about +111% (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 UNLU?
No. The price is what the market pays today (7.80 TRY); the fair value is what the company's own numbers justify (16.48 TRY). For Unlu Yatirim Holding AS the two are 8.68 TRY per share apart. That gap is exactly why we show both numbers side by side.
How much is Unlu Yatirim Holding AS worth?
The market values Unlu Yatirim Holding AS at about 1.4B TRY (market capitalisation, as of Oct 29, 2026). Per share that is 7.80 TRY; our models calculate a fair value of 16.48 TRY per share.
What do the bullish and bearish scenarios say about UNLU?
Our models span a range for Unlu Yatirim Holding AS: cautious scenario 13.99 TRY, base 16.48 TRY, optimistic 19.16 TRY per share (as of Oct 29, 2026, price 7.80 TRY). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Unlu Yatirim Holding AS (UNLU)?
Balance-sheet figures for Unlu Yatirim Holding AS (as of Oct 29, 2026): return on equity −10.3%, debt of 0.03 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is UNLU from its 52-week high?
Unlu Yatirim Holding AS trades at 7.80 TRY, about 58% below its 52-week high of 18.44 TRY and at the low of 7.80 TRY (as of Oct 30, 2026). Distance from the high says nothing about value: that is what the fair value of 16.48 TRY is for.
Which stocks are comparable to Unlu Yatirim Holding AS?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, 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 Unlu Yatirim Holding AS stock attractive at the current price?
The data as of Oct 29, 2026: price 7.80 TRY, calculated fair value 16.48 TRY (+111%), Quality Score 36/100, 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 UNLU calculated?
We run Unlu Yatirim Holding AS 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 16.48 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 13.4 % above its aggregate fair value. Unlu Yatirim Holding AS currently trades 53 % 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 Unlu Yatirim Holding AS (UNLU)?
The closing price on Oct 30, 2026 was 7.80 TRY. Our model-based fair value is 16.48 TRY, about +111% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Unlu Yatirim Holding AS right now?
The large discount to fair value meets weak quality (36/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (13.99 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. 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 Unlu Yatirim Holding AS

How large is the market capitalisation of Unlu Yatirim Holding AS (UNLU)?
The market capitalisation of Unlu Yatirim Holding AS is 1.4B TRY (≈ $27.4M). 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 Unlu Yatirim Holding AS (UNLU)?
The price-to-sales ratio of Unlu Yatirim Holding AS is 0.06 (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 Unlu Yatirim Holding AS (UNLU)?
Earnings per share at Unlu Yatirim Holding AS are −1.99 TRY. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Unlu Yatirim Holding AS (UNLU)?
The net margin of Unlu Yatirim Holding AS is −1.2% (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 Unlu Yatirim Holding AS (UNLU)?
The return on equity (ROE) of Unlu Yatirim Holding AS is −10.3% (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 Unlu Yatirim Holding AS (UNLU)?
On an EBIT basis the return on assets of Unlu Yatirim Holding AS is 11.2% (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 Unlu Yatirim Holding AS (UNLU)?
The operating margin of Unlu Yatirim Holding AS is −2.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Unlu Yatirim Holding AS (UNLU)?
Revenue at Unlu Yatirim Holding AS is growing −75.4% versus a year earlier (3y avg +68.3%). 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 Unlu Yatirim Holding AS (UNLU)?
Earnings per share at Unlu Yatirim Holding AS are growing +40.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Unlu Yatirim Holding AS (UNLU) generate?
The free cash flow of Unlu Yatirim Holding AS is −218M 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 Unlu Yatirim Holding AS (UNLU) carry?
The net debt of Unlu Yatirim Holding AS is 949M 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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