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

We calculate from audited financials what Unlu Yatirim Holding AS is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · TR · ISIN TREUNCO00023

UY Thin data Sep 13, 2026

Unlu Yatirim Holding AS

UNLU · IS

Weakest SetupStrongly overvalued and low quality.

!Fair value 5.57 TRY · Strongly overvalued (−46%)
!Quality 37/100
!Expensive Growth (revenue 5y +80.9 %/yr)
!Loss-making · -0.5% net margin (TTM)
!Low debt · negative free cash flow
!Trails peers (1/8)
!Narrow moat 5/100
!Evidence only low, so the estimate is less certain
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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 4.25 TRY Fair Value 5.57 TRY Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.

How to read this chart

60‑month range 4.25 TRY – 24.00 TRY · fair‑value band 3.53 TRY – 6.92 TRY · the 10.30 TRY price screens above the 5.57 TRY fair value. Dashed = 300-day average. As of Sep 13, 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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ÜNLÜ Yatirim Holding A.S. provides investment advisory and asset management services to investors, corporates, multinationals, and financial institutions in Turkey. 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 10.30 TRY, while our model-based Fair Value estimate is 5.57 TRY, implying the stock looks roughly 84.9% overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of 10.73 TRY per share, and 1 of the 3 models we run sit above the 10.30 TRY price.

Bear case: the Dividend Discount group reads lowest at 7.23 TRY, and 2 of the 3 models stay below the price. Evidence for this calculation is low.

Scenario range: 3.53 TRY (bear) to 6.92 TRY (bull), the price of 10.30 TRY sits above 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 37/100 (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 1.8B TRY (≈ $37.3M) · P/S ratio 0.05 · EPS (TTM) −1.27 TRY · Dividend yield 5.1% · Net margin −0.4% · Return on equity −8.2% · Return on assets (EBIT) 11.2% · Operating margin −1.8%.

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 47% below its 52-week high, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −26% fair-value upside, at −46%, UNLU screens richer than that median.

Fair Value models

Bear 3.53 TRY Fair Value 5.57 TRY Bull 6.92 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. 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. 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.
Highest evidence
Gordon GGM 4.39 TRY 7.91 TRY 10.89 TRY 66
DDM Multi-Stage 4.39 TRY 7.23 TRY 8.45 TRY 65
NCAV (Graham) 8.01 TRY 10.73 TRY 16.02 TRY 54
All 3 models by family
Dividend Discount
Gordon GGM 4.39 TRY 7.91 TRY 10.89 TRY 66
DDM Multi-Stage 4.39 TRY 7.23 TRY 8.45 TRY 65
Asset-Based
NCAV (Graham) 8.01 TRY 10.73 TRY 16.02 TRY 54

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Quality Score breakdown

Overall quality 37/100

Of which business quality 40 · Market factors (momentum, volatility) 28

Profitability 39
Margins and returns on capital today
Quality Growth 23
Are margins and returns improving?
Cashflow 20
Earnings quality: real cash, not paper profit
Fin. Strength 50
Balance sheet, leverage, solvency risk
Investment 33
Disciplined investing over empire-building
Low Volatility 74
Calm price path (market factor)
Momentum 12
Price trend over the last 3–12 months (market factor)
52W Momentum 1
Distance to the 52-week high (market factor)
Net Issuance 81
Share count: buybacks or dilution?

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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%
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

UNLU screens 85% overvalued. Compare with Morgan Stanley, a financial holding company, →

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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 · 460 stocks

Beats the industry median on 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 36 · Bottom 25%
Fair Value upside −47% · Bottom 25%
Profitability
Return on assets −4% · Bottom 25%
Net margin (TTM) −1% · Bottom 25%
Operating margin (TTM) −2% · Bottom 25%
Growth and dividend
Revenue growth −43% · Bottom 25%
Dividend yield (TTM) 5.1% · Top 25%
Balance sheet
Debt / equity 0.03× · Below median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 24
FUTURE (revenue growth)0 · sector 88
PAST (return on equity)0 · sector 30
HEALTH (low debt)99 · sector 95
DIVIDEND (yield)0 · sector 39

VALUE 0: the price sits above our fair-value range.

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
Morgan Stanley, a financial holding company, MS $214.38 $185.57 −13%
The Goldman Sachs Group GS $1,029 $756.89 −26%
The Charles Schwab Corporation SCHW $107.25 $102.31 −5%
Interactive Brokers Group IBKR $91.37 $22.69 −75%
Robinhood Markets, Inc HOOD $112.57 $47.18 −58%
Macquarie Group MQG A$245.25 A$75.58 −69%
CITIC Securities Company 600030 ¥26.92 ¥17.68 −34%
Guotai Haitong Securities Co 601211 ¥17.32 ¥18.62 +8%
East Money Information Co 300059 ¥18.31 ¥4.77 −74%
CSC Financial Co 601066 ¥23.76 ¥35.84 +51%

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Unlu Yatirim Holding AS · Fair Value
5.57 TRY −85%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 Sep 13, 2026, our model estimates a fair value of 5.57 TRY versus a price of 10.30 TRY, about −46% upside (overvalued).
What is the fair value of UNLU?
Our model-based fair value for Unlu Yatirim Holding AS is 5.57 TRY (as of Sep 13, 2026), built from audited fundamentals. The current price: 10.30 TRY.
What is the quality score of UNLU?
Unlu Yatirim Holding AS has a Quality Score of 37/100. 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 5.57 TRY (as of Sep 13, 2026) from 3 valuation models. Cautious scenario 3.53 TRY, optimistic scenario 6.92 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 5.57 TRY, about −46% upside versus a price of 10.30 TRY (overvalued). Cautious scenario 3.53 TRY, optimistic scenario 6.92 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 41.6B TRY (latest available figure, as of Sep 13, 2026).
Does Unlu Yatirim Holding AS pay a dividend?
Unlu Yatirim Holding AS currently shows a dividend yield of about 5.08% relative to its recent price (as of Sep 13, 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 5.57 TRY per share (as of Sep 13, 2026), against a price of 10.30 TRY. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Unlu Yatirim Holding AS stock overvalued or undervalued in 2026?
As of Sep 13, 2026, UNLU trades above its calculated fair value: price 10.30 TRY, fair value 5.57 TRY, a gap of about −46% (overvalued). 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 (10.30 TRY); the fair value is what the company's own numbers justify (5.57 TRY). For Unlu Yatirim Holding AS the two are 4.73 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 1.8B TRY (market capitalisation, as of Sep 13, 2026). Per share that is 10.30 TRY; our models calculate a fair value of 5.57 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 3.53 TRY, base 5.57 TRY, optimistic 6.92 TRY per share (as of Sep 13, 2026, price 10.30 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 Sep 13, 2026): return on equity −8.2%, debt of 0.03 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is UNLU from its 52-week high?
Unlu Yatirim Holding AS trades at 10.30 TRY, about 47% below its 52-week high of 19.34 TRY (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 5.57 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 Sep 13, 2026: price 10.30 TRY, calculated fair value 5.57 TRY (−46%), Quality Score 37/100, from 3 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 3 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 5.57 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 15.6 % above its aggregate fair value. Unlu Yatirim Holding AS itself currently trades above fair value. 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 Sep 15, 2026 was 10.30 TRY. Our model-based fair value is 5.57 TRY, about −46% upside (overvalued). 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 price sits above even our optimistic bull case (6.92 TRY). The favourable scenario is already priced in. Weak quality (37/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 (3.53 TRY to 6.92 TRY) leaves room in how you read the outcome.

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 1.8B TRY (≈ $37.3M). 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 0.05 (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 −1.27 TRY. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Unlu Yatirim Holding AS (UNLU)?
The dividend yield of Unlu Yatirim Holding AS is 5.1%. 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 Unlu Yatirim Holding AS (UNLU)?
The net margin of Unlu Yatirim Holding AS is −0.4% (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 Unlu Yatirim Holding AS (UNLU)?
The return on equity (ROE) of Unlu Yatirim Holding AS is −8.2% (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 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 −1.8% (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 −43.4% 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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