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Türkiye Is Bankasi A.S.

ISCTR.IS

(3.5)
Stock Price

11,80 TRY

2.1% ROA

26.67% ROE

4.47x PER

Market Cap.

353.855.848.229,00 TRY

291.36% DER

2.31% Yield

15.29% NPM

Türkiye Is Bankasi A.S. Stock Analysis

Türkiye Is Bankasi A.S. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Türkiye Is Bankasi A.S. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (34.34%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 Net Profit Growth

Over the last five years, this company's net profit has shown continuous growth, reflecting a robust financial performance and making it an attractive choice for potential investors.

4 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

5 ROA

The stock's ROA (3.1%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 PBV

The stock's PBV ratio (1.07x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

8 Dividend Growth

The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors.

9 Dividend

Investors can rely on the company's consistent dividend payments over the past three years, offering a steady stream of returns.

10 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (40), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

11 DER

The stock is burdened with a heavy load of debt (158%), making it financially unstable and potentially risky for investors.

Türkiye Is Bankasi A.S. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Türkiye Is Bankasi A.S. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Türkiye Is Bankasi A.S. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Türkiye Is Bankasi A.S. Revenue
Year Revenue Growth
2004 8.888.360.000
2005 8.112.505.000 -9.56%
2006 7.823.723.000 -3.69%
2007 9.489.006.000 17.55%
2008 9.213.400.000 -2.99%
2009 11.122.196.000 17.16%
2010 10.773.719.000 -3.23%
2011 11.198.797.000 3.8%
2012 15.002.056.000 25.35%
2013 17.100.416.000 12.27%
2014 19.286.327.000 11.33%
2015 21.197.367.000 9.02%
2016 25.355.628.000 16.4%
2017 30.740.278.000 17.52%
2018 39.700.774.000 22.57%
2019 44.059.864.000 9.89%
2020 57.777.723.000 23.74%
2021 60.044.741.000 3.78%
2022 153.326.519.000 60.84%
2023 233.687.024.000 34.39%
2023 419.198.192.000 44.25%
2024 788.978.512.000 46.87%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Türkiye Is Bankasi A.S. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Türkiye Is Bankasi A.S. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 427.913.000 100%
2013 411.028.000 -4.11%
2014 535.294.000 23.21%
2015 882.114.000 39.32%
2016 646.977.000 -36.34%
2017 583.006.000 -10.97%
2018 2.216.424.000 73.7%
2019 2.793.667.000 20.66%
2020 12.204.849.000 77.11%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Türkiye Is Bankasi A.S. EBITDA
Year EBITDA Growth
2004 3.723.831.000
2005 4.766.101.000 21.87%
2006 7.017.678.000 32.08%
2007 8.872.954.000 20.91%
2008 9.383.427.000 5.44%
2009 8.974.999.000 -4.55%
2010 9.310.519.000 3.6%
2011 9.923.305.000 6.18%
2012 13.921.746.000 28.72%
2013 12.797.826.000 -8.78%
2014 15.293.499.000 16.32%
2015 18.076.071.000 15.39%
2016 20.687.025.000 12.62%
2017 25.708.974.000 19.53%
2018 33.342.417.000 22.89%
2019 9.774.460.000 -241.12%
2020 12.762.993.000 23.42%
2021 18.186.508.000 29.82%
2022 133.261.338.000 86.35%
2023 109.414.556.000 -21.79%
2023 2.744.898.000 -3886.11%
2024 -12.388.452.000 122.16%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Türkiye Is Bankasi A.S. Gross Profit
Year Gross Profit Growth
2004 8.888.360.000
2005 8.112.505.000 -9.56%
2006 7.823.723.000 -3.69%
2007 9.489.006.000 17.55%
2008 9.213.400.000 -2.99%
2009 11.122.196.000 17.16%
2010 10.773.719.000 -3.23%
2011 11.198.797.000 3.8%
2012 15.002.056.000 25.35%
2013 17.100.416.000 12.27%
2014 19.286.327.000 11.33%
2015 21.197.367.000 9.02%
2016 25.355.628.000 16.4%
2017 30.740.278.000 17.52%
2018 29.172.028.000 -5.38%
2019 44.059.864.000 33.79%
2020 57.777.723.000 23.74%
2021 60.044.741.000 3.78%
2022 153.326.519.000 60.84%
2023 233.687.024.000 34.39%
2023 419.198.192.000 44.25%
2024 243.581.804.000 -72.1%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Türkiye Is Bankasi A.S. Net Profit
Year Net Profit Growth
2004 744.325.000
2005 1.083.062.000 31.28%
2006 1.264.195.000 14.33%
2007 1.822.273.000 30.63%
2008 1.588.946.000 -14.68%
2009 2.497.629.000 36.38%
2010 2.939.156.000 15.02%
2011 2.271.539.000 -29.39%
2012 4.173.405.000 45.57%
2013 3.688.645.000 -13.14%
2014 3.759.857.000 1.89%
2015 4.666.842.000 19.43%
2016 5.437.128.000 14.17%
2017 5.748.954.000 5.42%
2018 6.738.532.000 14.69%
2019 8.242.054.000 18.24%
2020 9.048.008.000 8.91%
2021 13.541.060.000 33.18%
2022 61.598.670.000 78.02%
2023 81.158.832.000 24.1%
2023 72.253.773.000 -12.32%
2024 61.186.596.000 -18.09%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Türkiye Is Bankasi A.S. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 1.283
2005 0 0%
2006 0 0%
2007 1 0%
2008 1 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 1 0%
2017 1 0%
2018 2 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 2 100%
2023 0 0%
2023 3 100%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Türkiye Is Bankasi A.S. Free Cashflow
Year Free Cashflow Growth
2004 942.354.000
2005 13.021.037.000 92.76%
2006 1.822.327.000 -614.53%
2007 1.200.506.000 -51.8%
2008 3.722.375.000 67.75%
2009 15.461.849.000 75.93%
2010 2.857.627.000 -441.07%
2011 -7.573.574.000 137.73%
2012 -13.685.272.000 44.66%
2013 -7.584.192.000 -80.44%
2014 -12.147.475.000 37.57%
2015 -8.898.756.000 -36.51%
2016 6.013.921.000 247.97%
2017 -5.828.375.000 203.18%
2018 21.647.634.000 126.92%
2019 30.774.714.000 29.66%
2020 39.163.128.000 21.42%
2021 103.526.746.000 62.17%
2022 86.036.633.000 -20.33%
2023 194.604.715.000 55.79%
2023 178.059.798.000 -9.29%
2024 69.489.141.000 -156.24%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Türkiye Is Bankasi A.S. Operating Cashflow
Year Operating Cashflow Growth
2004 1.392.624.000
2005 13.389.798.000 89.6%
2006 2.165.560.000 -518.31%
2007 1.441.984.000 -50.18%
2008 4.059.289.000 64.48%
2009 15.686.612.000 74.12%
2010 3.360.413.000 -366.81%
2011 -7.265.760.000 146.25%
2012 -12.303.925.000 40.95%
2013 -5.363.986.000 -129.38%
2014 -10.333.717.000 48.09%
2015 -6.769.956.000 -52.64%
2016 7.797.919.000 186.82%
2017 -3.533.286.000 320.7%
2018 24.715.977.000 114.3%
2019 34.829.276.000 29.04%
2020 42.529.950.000 18.11%
2021 104.356.900.000 59.25%
2022 88.433.300.000 -18.01%
2023 195.393.603.000 54.74%
2023 181.798.309.000 -7.48%
2024 70.765.280.000 -156.9%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Türkiye Is Bankasi A.S. Capital Expenditure
Year Capital Expenditure Growth
2004 450.270.000
2005 368.761.000 -22.1%
2006 343.233.000 -7.44%
2007 241.478.000 -42.14%
2008 336.914.000 28.33%
2009 224.763.000 -49.9%
2010 502.786.000 55.3%
2011 307.814.000 -63.34%
2012 1.381.347.000 77.72%
2013 2.220.206.000 37.78%
2014 1.813.758.000 -22.41%
2015 2.128.800.000 14.8%
2016 1.783.998.000 -19.33%
2017 2.295.089.000 22.27%
2018 3.068.343.000 25.2%
2019 4.054.562.000 24.32%
2020 3.366.822.000 -20.43%
2021 830.154.000 -305.57%
2022 2.396.667.000 65.36%
2023 788.888.000 -203.8%
2023 3.738.511.000 78.9%
2024 1.276.139.000 -192.95%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Türkiye Is Bankasi A.S. Equity
Year Equity Growth
2004 8.632.645.000
2005 10.078.208.000 14.34%
2006 10.253.548.000 1.71%
2007 11.876.470.000 13.67%
2008 11.991.251.000 0.96%
2009 15.305.925.000 21.66%
2010 18.986.655.000 19.39%
2011 20.310.569.000 6.52%
2012 27.992.610.000 27.44%
2013 25.894.626.000 -8.1%
2014 33.004.566.000 21.54%
2015 36.683.525.999 10.03%
2016 41.811.167.000 12.26%
2017 56.437.364.000 25.92%
2018 55.614.892.999 -1.48%
2019 65.701.467.000 15.35%
2020 74.861.720.000 12.24%
2021 96.168.179.000 22.16%
2022 210.052.693.000 54.22%
2023 303.356.840.000 30.76%
2023 249.674.114.000 -21.5%
2024 331.252.559.000 24.63%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Türkiye Is Bankasi A.S. Assets
Year Assets Growth
2004 44.229.756.000
2005 69.733.241.000 36.57%
2006 83.026.679.000 16.01%
2007 90.078.322.000 7.83%
2008 111.208.031.000 19%
2009 128.916.476.000 13.74%
2010 150.810.736.000 14.52%
2011 183.935.830.000 18.01%
2012 198.967.889.000 7.56%
2013 241.619.140.000 17.65%
2014 277.073.232.000 12.8%
2015 325.498.972.000 14.88%
2016 373.820.264.000 12.93%
2017 432.757.649.000 13.62%
2018 499.907.357.000 13.43%
2019 565.051.838.000 11.53%
2020 718.152.263.000 21.32%
2021 1.124.404.073.000 36.13%
2022 1.715.431.569.000 34.45%
2023 2.954.742.571.000 41.94%
2023 2.521.807.739.000 -17.17%
2024 3.348.008.373.000 24.68%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Türkiye Is Bankasi A.S. Liabilities
Year Liabilities Growth
2004 35.597.111.000
2005 59.655.033.000 40.33%
2006 72.773.131.000 18.03%
2007 78.201.852.000 6.94%
2008 99.216.780.000 21.18%
2009 113.610.551.000 12.67%
2010 131.824.081.000 13.82%
2011 163.625.261.000 19.44%
2012 170.975.279.000 4.3%
2013 24.924.606.000 -585.97%
2014 57.511.274.000 56.66%
2015 288.815.446.000 80.09%
2016 95.964.816.000 -200.96%
2017 376.320.285.000 74.5%
2018 444.292.464.000 15.3%
2019 499.350.371.000 11.03%
2020 643.290.543.000 22.38%
2021 1.028.235.894.000 37.44%
2022 1.505.378.876.000 31.7%
2023 2.651.385.731.000 43.22%
2023 423.162.887.000 -526.56%
2024 3.016.755.814.000 85.97%

Türkiye Is Bankasi A.S. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
18.32
Net Income per Share
2.8
Price to Earning Ratio
4.47x
Price To Sales Ratio
0.77x
POCF Ratio
1.29
PFCF Ratio
1.49
Price to Book Ratio
1.1
EV to Sales
1.23
EV Over EBITDA
21.97
EV to Operating CashFlow
2.33
EV to FreeCashFlow
2.37
Earnings Yield
0.22
FreeCashFlow Yield
0.67
Market Cap
353,86 Bil.
Enterprise Value
563,83 Bil.
Graham Number
26.83
Graham NetNet
-107.94

Income Statement Metrics

Net Income per Share
2.8
Income Quality
3.45
ROE
0.27
Return On Assets
0.02
Return On Capital Employed
0.04
Net Income per EBT
0.8
EBT Per Ebit
1.34
Ebit per Revenue
0.14
Effective Tax Rate
0.1

Margins

Sales, General, & Administrative to Revenue
0.03
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.7
Operating Profit Margin
0.14
Pretax Profit Margin
0.19
Net Profit Margin
0.15

Dividends

Dividend Yield
0.02
Dividend Yield %
2.31
Payout Ratio
0.14
Dividend Per Share
0.29

Operating Metrics

Operating Cashflow per Share
9.68
Free CashFlow per Share
9.52
Capex to Operating CashFlow
0.02
Capex to Revenue
0.01
Capex to Depreciation
1.88
Return on Invested Capital
0.05
Return on Tangible Assets
0.02
Days Sales Outstanding
17.56
Days Payables Outstanding
0
Days of Inventory on Hand
-1732.92
Receivables Turnover
20.78
Payables Turnover
0
Inventory Turnover
-0.21
Capex per Share
0.15

Balance Sheet

Cash per Share
25,01
Book Value per Share
13,25
Tangible Book Value per Share
12.91
Shareholders Equity per Share
11.42
Interest Debt per Share
40.36
Debt to Equity
2.91
Debt to Assets
0.25
Net Debt to EBITDA
8.18
Current Ratio
0.39
Tangible Asset Value
322,79 Bil.
Net Current Asset Value
-2.368,81 Bil.
Invested Capital
-938791879000
Working Capital
-997,83 Bil.
Intangibles to Total Assets
0
Average Receivables
11,02 Bil.
Average Payables
0,00 Bil.
Average Inventory
-323672177500
Debt to Market Cap
2.35

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Türkiye Is Bankasi A.S. Dividends
Year Dividends Growth
2008 1
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 1 0%
2018 1 0%
2021 0 0%
2022 1 0%
2023 2 100%
2024 0 0%

Türkiye Is Bankasi A.S. Profile

About Türkiye Is Bankasi A.S.

Türkiye Is Bankasi A.S. provides various banking products and services. The company offers corporate, commercial, private, and treasury/investment banking services, including project financing, operating and investment loans, deposit and cash management, credit cards, cheques and bills, foreign trade transactions and financing, letter of guarantees and credits, forfeiting, foreign currency trading, bill collections, payrolls, investment accounts, tax collections, and other banking services to large corporations, SMEs, and other trading companies. It also provides retail banking services, such as deposits, consumer loans, overdraft accounts, credit cards, bill collections, remittances, foreign currency trading, safe-deposit boxes, insurance, tax collections, investment accounts, and other banking services; private banking services comprising various financial, and cash management related services. In addition, the company engages in securities trading, money market transactions, spot and forward TL, and foreign currency trading; derivative transactions, such as forwards, swaps, futures, and options; and syndications and securitizations, as well as investment banking activities. Further, it is involved in insurance and reinsurance, private pensions, finance leasing, factoring, and real estate investment. Additionally, the company offers venture capital investment, brokerage, investment consulting and portfolio, and asset management businesses. Türkiye Is Bankasi A.S. was founded in 1924 and is headquartered in Istanbul, Turkey.

CEO
Mr. Hakan Aran
Employee
21.010
Address
Is Kuleleri
Istanbul, 34330

Türkiye Is Bankasi A.S. Executives & BODs

Türkiye Is Bankasi A.S. Executives & BODs
# Name Age
1 Mr. Hurdogan Irmak
Head of Risk Management Division & Member of Board of Inspectors
70
2 Ms. Ebru Ozsuca
Deputy Chief Executive
70
3 Mr. Suleyman Hayrettin Ozcan
Head of Corporate Compliance Division, Compliance Officer & Member of Board of Inspectors
70
4 Ms. Nilgun Yosef Osman
Head of Investor Relations and Sustainability Division
70
5 Mr. Muzaffer Okay
Chairman of the Board of Inspectors
70
6 Gul Meltem Atilgan
Head of the Corporate Communications Division
70
7 Mr. Hakan Aran
GM, Chief Executive Officer & Executive Director
70
8 Mr. Suat E. Sozen
Deputy Chief Executive
70
9 Mr. Ali Tolga Unal
Head of Financial Management Division
70
10 Mr. Nevzat Burak Seyrek
Deputy Chief Executive
70

Türkiye Is Bankasi A.S. Competitors