Türkiye Is Bankasi A.S.

IBSE:ISCTR Stock Report

Market Cap: ₺371.1b

Türkiye Is Bankasi Future Growth

Future criteria checks 3/6

Türkiye Is Bankasi is forecast to grow earnings and revenue by 24% and 15.2% per annum respectively. EPS is expected to grow by 35.8% per annum. Return on equity is forecast to be 26.9% in 3 years.

Key information

24.0%

Earnings growth rate

35.77%

EPS growth rate

Banks earnings growth31.2%
Revenue growth rate15.2%
Future return on equity26.93%
Analyst coverage

Good

Last updated02 Jun 2026

Recent future growth updates

Recent updates

Narrative Update • Jun 03

ISCTR: Updated Fair Value Assumptions Will Support Future Upside Potential

Analysts now set a slightly lower fair value for Türkiye Is Bankasi at TRY24.46, compared with the previous TRY25.00. This reflects updated views on revenue growth, profit margins and future P/E assumptions.
Narrative Update • May 20

ISCTR: Upcoming Dividend And Revised Outlook Are Expected To Support Future Upside

Analysts have revised their TRY 27.62 fair value estimate for Türkiye Is Bankasi stock to TRY 25.00, reflecting updated assumptions for revenue growth, profit margins and future P/E levels. What's in the News Türkiye Is Bankasi A.S. announced an annual dividend of TRY 0.5395 per share.
Narrative Update • Apr 28

ISCTR: Upcoming Dividend Is Expected To Drive Future Upside Potential

Analysts have trimmed their price target for Türkiye Is Bankasi to TRY27.62 from TRY27.94, reflecting updated assumptions that pair slightly lower profit margins and P/E multiples with higher projected revenue growth. What's in the News Türkiye Is Bankasi A.S. announced an annual dividend of TRY 0.5395 per share.
Narrative Update • Apr 13

ISCTR: Dividend Outlook And Steady Assumptions Will Likely Support Fair Pricing

Analysts have kept their TRY 13.54 price target for Türkiye Is Bankasi unchanged, citing updated assumptions for the discount rate, revenue growth, profit margin and forward P/E that broadly balance each other out. What's in the News Türkiye Is Bankasi A.S. declared an annual dividend of TRY 0.5395 per share, with payment scheduled for April 3, 2026.
Narrative Update • Mar 30

ISCTR: Dividend Outlook And Updated Assumptions Will Likely Support Fair Pricing

Analysts have slightly raised their TRY fair value estimate for Türkiye Is Bankasi from TRY13.50 to about TRY13.54, reflecting updated assumptions for discount rate, revenue growth, profit margin and future P/E that point to a more conservative growth and profitability profile paired with a lower valuation multiple. What's in the News Türkiye Is Bankasi A.S. declared an annual dividend of TRY 0.5395 per share, scheduled to be paid on April 3, 2026 (Key Developments).
Narrative Update • Mar 16

ISCTR: Higher Margins And Upcoming Dividend Are Expected To Support Upside

Analysts have lifted their price target for Türkiye Is Bankasi from TRY 18.86 to TRY 20.84, citing updated assumptions that combine a slightly lower discount rate, adjusted revenue growth expectations, and a higher projected profit margin, alongside a broadly similar forward P/E multiple. What's in the News Türkiye Is Bankasi A.S. declared an annual dividend of TRY 0.5395 per share, with payment scheduled for April 3, 2026 (Key Developments).
Narrative Update • Mar 02

ISCTR: Higher Future P/E And Upcoming Dividend Are Expected To Drive Upside

Analysts have lifted their price target for Türkiye Is Bankasi from TRY22.90 to about TRY27.94. They cite updated assumptions around fair value, discount rate, revenue growth, profit margin and future P/E as the key drivers behind the new view.
Narrative Update • Feb 16

ISCTR: Higher Growth Assumptions Will Still Leave Shares Looking Overvalued

Analysts have revised their TRY price target for Türkiye Is Bankasi to TRY 13.50 from TRY 13.77, reflecting updated views on revenue growth, profit margins and expected future P/E levels. Valuation Changes Fair Value: Adjusted slightly lower from TRY 13.77 to TRY 13.50.
Narrative Update • Feb 02

ISCTR: Slightly Higher Fair Value Will Still Signal Overvaluation Risk

Analysts have nudged their fair value estimate for Türkiye Is Bankasi from ₺13.50 to about ₺13.77, reflecting updated assumptions around revenue growth, profit margins and future P/E levels. Valuation Changes Fair Value Estimate has been adjusted slightly higher from ₺13.50 to about ₺13.77 per share.
Narrative Update • Jan 19

ISCTR: Higher Margin Outlook And Lower P/E Will Support Fair Pricing

Analysts have trimmed their fair value estimate for Türkiye Is Bankasi from ₺13.92 to about ₺13.50, pointing to updated assumptions around slightly lower revenue growth, a higher profit margin and a reduced future P/E multiple. Valuation Changes Fair Value Estimate trimmed slightly from ₺13.92 to about ₺13.50 per share.
Narrative Update • Jan 05

ISCTR: Higher Future Multiple Is Expected To Drive Share Price Upside

Narrative Update on Analyst Price Target Analysts have raised their fair value estimate for Türkiye Is Bankasi from TRY 21.47 to TRY 22.90. This reflects a modestly higher discount rate, tempered expectations for revenue growth and profit margins, and a rerating to a richer future P/E multiple.
Narrative Update • Dec 14

ISCTR: Higher Revenue Outlook Will Offset Margin Pressure And Support Fair Pricing

Analysts have raised their price target for Türkiye Is Bankasi from approximately TRY 13.00 to about TRY 13.92, citing stronger projected revenue growth that more than offsets slightly lower expected profit margins and a modestly higher discount rate. Valuation Changes The fair value estimate increased modestly from TRY 13.00 to approximately TRY 13.92, reflecting higher projected earnings power.
Narrative Update • Nov 28

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.
Narrative Update • Nov 14

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.
Narrative Update • Oct 31

ISCTR: Revenue Strength Will Drive Outperformance Despite Lower Margins

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
Narrative Update • Oct 17

Digitalization And Sustainable Finance Will Reimagine Turkey's Banking Landscape

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.
Narrative Update • Oct 03

Digitalization And Sustainable Finance Will Reimagine Turkey's Banking Landscape

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.
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New Narrative • Nov 25

Digital Expansion And ESG Strategy To Propel Net Margins And Earnings Stability

Isbank's selective lending strategy in SMEs and export finance supports sustained loan growth and positive revenue impact.

Earnings and Revenue Growth Forecasts

IBSE:ISCTR - Analysts future estimates and past financials data (TRY Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/2028591,740185,722N/AN/A3
12/31/2027485,981165,254N/AN/A4
12/31/2026399,994115,000N/AN/A4
3/31/2026399,62276,162-468,784-447,026N/A
12/31/2025354,46167,873-530,708-508,837N/A
9/30/2025310,18454,818-499,367-479,967N/A
6/30/2025281,66746,245-405,531-387,147N/A
3/31/2025257,95243,673-229,096-213,921N/A
12/31/2024246,68945,537-184,443-170,096N/A
9/30/2024232,00055,245-228,200-218,980N/A
6/30/2024228,85770,019-164,571-156,485N/A
3/31/2024224,85973,434-279,394-272,057N/A
12/31/2023206,56072,254-201,294-193,267N/A
9/30/2023202,96875,480-150,568-144,630N/A
6/30/2023180,03570,066-221,871-215,463N/A
3/31/2023154,00965,827-145,183-139,077N/A
12/31/2022133,83061,599-152,477-147,324N/A
9/30/2022107,56044,438-128,822-125,552N/A
6/30/202284,52932,560-100,480-98,305N/A
3/31/202262,06920,284-48,925-46,787N/A
12/31/202147,69613,541-23,714-21,962N/A
9/30/202135,7118,585-11,123-10,191N/A
6/30/202134,5457,637-896-57N/A
3/31/202134,1947,061-9,525-8,727N/A
12/31/202032,9726,655-13,031-12,217N/A
9/30/202032,7727,408-21,251-20,916N/A
6/30/202029,1916,726-23,074-22,636N/A
3/31/202026,5196,230-20,460-20,072N/A
12/31/201924,8826,010N/A-11,791N/A
9/30/201923,2185,830N/A-12,485N/A
6/30/201922,1095,731N/A4,511N/A
3/31/201922,3436,164N/A2,605N/A
12/31/201822,1036,672N/A-4,335N/A
9/30/201833,3325,875N/A3,370N/A
6/30/201833,3836,084N/A-17,145N/A
3/31/201832,6835,844N/A-11,928N/A
12/31/201732,0295,749N/A-22,998N/A
9/30/201720,2196,126N/A-15,257N/A
6/30/201719,6285,837N/A-8,990N/A
3/31/201719,2135,788N/A-14,053N/A
12/31/201618,0545,010N/A-1,001N/A
9/30/201617,0364,319N/A-938N/A
6/30/201616,4763,786N/A-353N/A
3/31/201615,5393,316N/A-856N/A
12/31/201515,3493,331N/A-5,817N/A
9/30/201515,1293,432N/A-7,820N/A
6/30/201515,0243,755N/A-18,477N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: ISCTR's forecast earnings growth (24% per year) is above the savings rate (22.4%).

Earnings vs Market: ISCTR's earnings (24% per year) are forecast to grow slower than the TR market (33.2% per year).

High Growth Earnings: ISCTR's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: ISCTR's revenue (15.2% per year) is forecast to grow slower than the TR market (23.2% per year).

High Growth Revenue: ISCTR's revenue (15.2% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: ISCTR's Return on Equity is forecast to be high in 3 years time (26.9%)

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/07 18:53
End of Day Share Price 2026/06/05 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Türkiye Is Bankasi A.S. is covered by 28 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullAta Invest
Cristina MarzeaBarclays
Okan ErtemBNP Paribas