Türkiye Is Bankasi

ISCTR: Revenue Strength Will Drive Outperformance Despite Lower Margins

AN

AnalystConsensusTarget

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

25 Nov 24

Updated

28 Nov 25

Views

103

n/a

n/a

AnalystConsensusTarget's Fair Value

n/a

1Y

6.6%

7D

0.8%

Loading

1Y

6.6%

7D

0.8%

You can edit this narrative until Nov 29 6:05 PM. Then, changes will post as Updates.

Author's Valuation

₺18.8625.6% undervalued

AnalystConsensusTarget Fair Value

Shared on 28 Nov 25

Fair value Decreased 0.75%

ISCTR: Margin Performance And Earnings Multiples Will Drive Share Price Higher

Analysts have slightly reduced their price target for Türkiye Is Bankasi from ₺18.99 to ₺18.86, citing updated assessments of expected profit margin, revenue growth, and future earnings multiples. Valuation Changes The Fair Value Estimate has decreased slightly from TRY 18.99 to TRY 18.86.

Shared on 14 Nov 25

Fair value Decreased 0.55%

ISCTR: Margin Improvement Will Support Undervalued Shares Despite Discount Rate Increase

Analysts have slightly reduced their price target for Türkiye Is Bankasi from ₺19.10 to ₺18.99. This adjustment reflects slower projected revenue growth and a higher discount rate, partially offset by improved profit margin expectations.

Shared on 31 Oct 25

Fair value Increased 1.72%

Analysts have raised their price target for Türkiye Is Bankasi from ₺18.78 to ₺19.10, citing improved revenue growth expectations even though there is a slight decrease in projected profit margins. Valuation Changes Fair Value increased slightly from TRY 18.78 to TRY 19.10 Discount Rate changed minimally, moving from 32.07% to 32.08% Revenue Growth risen from 24.11% to 25.82% Net Profit Margin decreased from 31.87% to 30.59% Future P/E increased marginally from 6.30x to 6.41x

Shared on 17 Oct 25

Fair value Increased 4.40%

Analysts have raised their price target for Türkiye Is Bankasi from ₺17.99 to ₺18.78. This change reflects revised fair value estimates based on updated company fundamentals and market conditions.

Shared on 03 Oct 25

Fair value Increased 3.41%

The analyst price target for Türkiye Is Bankasi has increased from ₺17.40 to ₺17.99, as analysts cite improved revenue growth projections despite a slight rise in the discount rate and little change to profit margin expectations. Valuation Changes The Fair Value Estimate has increased modestly from TRY 17.40 to TRY 17.99.

Shared on 01 May 25

Fair value Decreased 8.06%

Shared on 23 Apr 25

Fair value Increased 0.26%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 17 Apr 25

Fair value Decreased 1.36%

AnalystConsensusTarget has decreased revenue growth from 23.9% to 20.5%.

Shared on 09 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 02 Apr 25

Fair value Decreased 0.16%

AnalystConsensusTarget has decreased profit margin from 36.9% to 32.8%.

Shared on 26 Mar 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 19 Mar 25

Fair value Increased 8.95%

AnalystConsensusTarget has decreased revenue growth from 27.7% to 23.9%, increased profit margin from 32.3% to 36.9% and increased future PE multiple from 5.2x to 6.2x.

AnalystConsensusTarget Fair Value

₺18.86

25.6% undervalued

Future estimation in

Growth p.a.

Growth p.a.

%

Decrease

Increase

Current revenue growth rate

20.33%

Banks revenue growth rate

0.26%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

%

0

Decrease

Increase

Current discount rate

10.00%

Calculation

₺179.99b

Earnings '28

x

6.09x

PE Ratio '28

=

₺1.10t

Market Cap '28

₺1.10t

Market Cap '28

/

25.00b

No. shares '28

=

₺43.86

Share Price '28

₺43.86 Share Price '28

Discounted to 2025 @ 32.50% p.a.

=

₺18.85

Fair Value '25