Türkiye Is Bankasi A.S.

IBSE:ISCTR Stock Report

Market Cap: ₺411.8b

Türkiye Is Bankasi Valuation

Is ISCTR undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of ISCTR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
₺13.84
Fair Value
4.2% overvalued intrinsic discount
12
Number of Analysts

Below Fair Value: ISCTR (TRY14.43) is trading above our estimate of fair value (TRY13.84)

Significantly Below Fair Value: ISCTR is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for ISCTR?

Key metric: As ISCTR is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for ISCTR. This is calculated by dividing ISCTR's market cap by their current earnings.
What is ISCTR's PE Ratio?
PE Ratio7.9x
Earnings₺45.54b
Market Cap₺411.83b

Price to Earnings Ratio vs Peers

How does ISCTR's PE Ratio compare to its peers?

The above table shows the PE ratio for ISCTR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average6.8x
GARAN Turkiye Garanti Bankasi
5.9x27.0%₺541.8b
AKBNK Akbank T.A.S
8x45.8%₺337.2b
YKBNK Yapi ve Kredi Bankasi
8.4x53.6%₺242.4b
VAKBN Türkiye Vakiflar Bankasi Türk Anonim Ortakligi
5.1x27.9%₺247.5b
ISCTR Türkiye Is Bankasi
7.9x44.4%₺411.8b

Price-To-Earnings vs Peers: ISCTR is expensive based on its Price-To-Earnings Ratio (7.9x) compared to the peer average (6.8x).

Price to Earnings Ratio vs Industry

How does ISCTR's PE Ratio compare vs other companies in the Asian Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
ISCTR 7.9xIndustry Avg. 9.0xNo. of Companies74PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: ISCTR is good value based on its Price-To-Earnings Ratio (7.9x) compared to the Asian Banks industry average (9x).

Price to Earnings Ratio vs Fair Ratio

What is ISCTR's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

ISCTR PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.9x
Fair PE Ratio7.6x

Price-To-Earnings vs Fair Ratio: ISCTR is expensive based on its Price-To-Earnings Ratio (7.9x) compared to the estimated Fair Price-To-Earnings Ratio (7.6x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst ISCTR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₺14.43
₺19.16
+32.8%
12.5%₺22.00₺14.70n/a12
Feb ’26₺14.16
₺18.65
+31.7%
12.3%₺22.00₺14.70n/a12
Jan ’26₺13.54
₺17.53
+29.4%
9.6%₺20.60₺14.70n/a12
Dec ’25₺13.63
₺17.60
+29.1%
8.7%₺20.00₺14.70n/a12
Nov ’25₺11.95
₺17.92
+50.0%
9.0%₺20.31₺15.40n/a12
Oct ’25₺13.47
₺18.91
+40.4%
9.9%₺22.69₺15.90n/a13
Sep ’25₺13.22
₺18.85
+42.6%
10.0%₺22.69₺15.90n/a13
Aug ’25₺15.54
₺18.91
+21.7%
9.6%₺21.67₺15.90n/a12
Jul ’25₺15.28
₺18.55
+21.4%
15.9%₺23.70₺12.00n/a12
Jun ’25₺16.11
₺18.08
+12.2%
14.5%₺21.67₺12.00n/a11
May ’25₺13.71
₺13.10
-4.5%
24.7%₺17.28₺7.04n/a12
Apr ’25₺11.51
₺12.42
+7.9%
23.9%₺16.80₺7.04n/a12
Mar ’25₺10.71
₺11.81
+10.3%
30.0%₺16.80₺4.52n/a13
Feb ’25₺10.34
₺10.59
+2.4%
33.7%₺15.58₺2.82₺14.1614
Jan ’25₺9.34
₺9.71
+3.9%
32.5%₺13.80₺2.82₺13.5414
Dec ’24₺8.82
₺9.31
+5.5%
35.3%₺13.80₺2.82₺13.6314
Nov ’24₺8.26
₺8.02
-2.9%
30.5%₺12.36₺2.82₺11.9514
Oct ’24₺10.30
₺8.02
-22.1%
30.5%₺12.36₺2.82₺13.4714
Sep ’24₺8.54
₺6.90
-19.3%
31.4%₺10.25₺2.82₺13.2214
Aug ’24₺6.12
₺5.73
-6.3%
24.1%₺7.84₺2.82₺15.5414
Jul ’24₺5.62
₺5.52
-1.9%
23.6%₺7.20₺2.82₺15.2814
Jun ’24₺4.56
₺5.25
+15.1%
24.7%₺7.20₺2.82₺16.1113
May ’24₺4.33
₺5.15
+18.8%
23.0%₺7.20₺2.82₺13.7113
Apr ’24₺5.19
₺5.03
-3.0%
24.5%₺6.90₺2.82₺11.5113
Mar ’24₺4.66
₺4.67
+0.4%
27.3%₺6.90₺2.82₺10.7113
Feb ’24₺3.99
₺4.60
+15.4%
26.6%₺6.90₺2.82₺10.3413
Analyst Price Target
Consensus Narrative from 12 Analysts
₺19.16
Fair Value
24.7% undervalued intrinsic discount
12
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/16 08:38
End of Day Share Price 2025/02/14 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

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 30 analysts. 6 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
Cagdas DoganBNP Paribas Securities (Asia)