Vakif Finansal Kiralama A.S. (VAKFN) Fair Value & Analysis
Financial Services · TR · Market cap 7.3B TRY
Fair value as of: Aug 2, 2026
From 14 valuation models · updated today
Share price −11.5% over the past month.
Below-average quality, and the price sits 70% below our fair value.
What matters now
- The large discount to fair value meets weak quality (29/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (1.55 TRY). The market is more pessimistic than our downside scenario.
- 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 (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 2, 2026.
How to read this chart
60‑month range 0.2654 TRY – 2.06 TRY · fair‑value band 1.55 TRY – 2.58 TRY · the 1.21 TRY price screens below the 2.06 TRY fair value. Dashed = 300-day average. As of Aug 2, 2026.
Analysis
Vakif Finansal Kiralama A.S. (VAKFN) currently trades at 1.21 TRY, while our model-based Fair Value estimate is 2.06 TRY, implying the stock looks roughly 70.0% undervalued today. We read business quality at 29/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
Trailing-twelve-month revenue stands at 1.6B TRY. Revenue grew 19.0% year over year. It earns a return on equity of 23.8%. Net debt stands at 26.0B TRY. Fundamentals as of Aug 2, 2026
Our scenario range runs from 1.55 TRY (bear case) to 2.58 TRY (bull case); at 1.21 TRY, the current price sits below that range. The share trades about 43% below its 52-week high and 3% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 70%, VAKFN screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 12 models by family
Widest divergence: Growth Earnings (11.49 TRY) versus Asset-Based (0.8300 TRY). Highest evidence: Growth-Adj P/E (68).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 28 · Market factors (momentum, volatility) 28
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
Vakif Finansal Kiralama A.S. engages in the provision of financial leasing services in Turkey. It also offers financial intermediation to SMEs and investors. The company was founded in 1988 and is headquartered in Istanbul, Turkey. Vakif Finansal Kiralama A.S. is a subsidiary of Türkiye Vakiflar Bankasi Türk Anonim Ortakligi.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Vakif Finansal Kiralama A.S. reported revenue of 5.8B TRL in FY2025 versus 369M TRL in FY2021, a compound +98.9%/yr. Reported net income was 1.5B TRL in FY2025, compounding +85.9%/yr from FY2021.
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Peer Group
Credit Services · 332 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
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 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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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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