Türkiye Is Bankasi (ISCTR) Stock Overview
Provides various banking products and services to individuals and businesses in Turkey. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 3/6 |
| Past Performance | 5/6 |
| Financial Health | 5/6 |
| Dividends | 3/6 |
Rewards
Risk Analysis
ISCTR Community Fair Values
Create NarrativeSee what 90 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Türkiye Is Bankasi A.S. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₺13.19 |
| 52 Week High | ₺18.21 |
| 52 Week Low | ₺10.82 |
| Beta | 0.18 |
| 1 Month Change | -9.35% |
| 3 Month Change | -6.25% |
| 1 Year Change | 15.50% |
| 3 Year Change | 145.17% |
| 5 Year Change | 1,272.22% |
| Change since IPO | 1,860,266.71% |
Recent News & 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.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 6.41xNarrative 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.
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.Shareholder Returns
| ISCTR | TR Banks | TR Market | |
|---|---|---|---|
| 7D | 0.4% | -0.3% | 0.7% |
| 1Y | 15.5% | 29.3% | 47.3% |
Return vs Industry: ISCTR underperformed the TR Banks industry which returned 29.3% over the past year.
Return vs Market: ISCTR underperformed the TR Market which returned 47.3% over the past year.
Price Volatility
| ISCTR volatility | |
|---|---|
| ISCTR Average Weekly Movement | 5.4% |
| Banks Industry Average Movement | 6.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in TR Market | 10.7% |
| 10% least volatile stocks in TR Market | 4.9% |
Stable Share Price: ISCTR has not had significant price volatility in the past 3 months compared to the TR market.
Volatility Over Time: ISCTR's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1924 | 20,630 | Hakan Aran | www.isbank.com.tr |
Türkiye Is Bankasi A.S., together with its subsidiaries, provides various banking products and services to individuals and businesses in Turkey. It operates through Corporate/Commercial Banking; Retail/Private Banking; Treasury Operations and Investment Activities; Insurance and Reinsurance Activities; and Other segments. The company offers personal loans comprising land, education, overdraft, and yacht loans; car and home loans; credit and debit cards; deposit and investment products, such as term deposits, term TL, term FX, term gold, non-term deposits, gold, equities, futures and options markets, mutual funds, Eurobonds, and debt instruments; digital banking; compulsory earthquake, motor vehicle compulsory third party liability, comprehensive motor, health, personal accident, workplace, life, critical illness, credit card payment protecting, and loan payment protection insurance products; pension funds; and expat, private, and startup banking services.
Türkiye Is Bankasi A.S. Fundamentals Summary
| ISCTR fundamental statistics | |
|---|---|
| Market cap | ₺371.12b |
| Earnings (TTM) | ₺76.16b |
| Revenue (TTM) | ₺399.62b |
4.3x
P/E Ratio0.8x
P/B RatioIs ISCTR overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ISCTR income statement (TTM) | |
|---|---|
| Revenue | ₺399.62b |
| Cost of Revenue | ₺2.21b |
| Gross Profit | ₺397.41b |
| Other Expenses | ₺321.25b |
| Earnings | ₺76.16b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.05 |
| Gross Margin | 99.45% |
| Net Profit Margin | 19.06% |
| Debt/Equity Ratio | 264.9% |
How did ISCTR perform over the long term?
See historical performance and comparisonDividends
1.4%
Current Dividend Yield8%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/07 18:53 |
| End of Day Share Price | 2026/06/05 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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.
| Analyst | Institution |
|---|---|
| null null | Ata Invest |
| Cristina Marzea | Barclays |
| Okan Ertem | BNP Paribas |