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Türkiye Is Bankasi A.S. (ISCTR.IS)

TRY13.76 +0.06 (+0.44%)
TR IST Financial Services Banks - Regional
Address Is Kuleleri 34330
Istanbul, TR
CEO Hakan Aran
IPO 2007-12-31
ISIN TRAISCTR91N2

Explore sections of this company profile

Description

Türkiye Is Bankasi A.S. is a major financial institution offering a wide spectrum of banking and financial services. It serves a broad client base, from large corporations and small and medium-sized enterprises (SMEs) to various trading companies, through its corporate, commercial, and treasury banking divisions. These provisions include project finance, operating and investment capital, advanced deposit and cash management systems, credit cards, international trade financing (such as letters of guarantee and forfeiting), and foreign currency exchange. Additionally, the bank facilitates payroll, bill and tax collections, and investment accounts for its business customers. For individual clients, its retail banking unit offers essential services like deposit accounts, consumer credit, overdraft facilities, credit cards, money transfers, foreign exchange, and safe-deposit boxes, along with insurance and access to investment products. High-net-worth clients benefit from dedicated private banking services focused on tailored financial and wealth management solutions. Beyond conventional banking, the company actively participates in financial markets, engaging in securities trading, money market transactions, and spot and forward trading of Turkish Lira and foreign currencies. It also deals in various derivative instruments, including forwards, swaps, futures, and options, and provides investment banking services such as syndications and securitizations. Its diversified portfolio extends to interests in insurance, reinsurance, private pensions, finance leasing, factoring, and real estate investments. Furthermore, the bank is involved in venture capital, brokerage, investment consulting, and comprehensive portfolio and asset management. Established in 1924, Türkiye Is Bankasi A.S. is based in Istanbul, Turkey.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
TRY13.76 +0.06 (+0.44%)
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Volume Profile
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Liquidity & share structure
Average Volume
496M
Beta
0.18
Float Shares
8.31B
Free Float %
33.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.27% +1.46% +1.25% -14.31% +12.97% +3.26% +41.13% +200.00% +3,862.31% +4,492.66% +3,670,027.91%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
13.76
DCF (Unlevered) 199.38 +1,349.0%
DCF (Levered) 858.03 +6,135.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 79% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 10 0
Hold 3 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.33
Distress
Piotroski F-Score
8 / 9
Strong
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
3 / 5
Medium
Operational MOAT
★ Strong MOAT
  • Revenue growth
    +43.6% Q1'26: +42.0% (vs Q1'25)
  • EPS growth
    +48.9% Q1'26: +67.3% (vs Q1'25)
  • FCF margin
    Q1'26: +48.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +9.6% (vs Q1'25)
  • ROIC
    Q1'26: +9.0% (vs Q1'25)
  • Share dilution
    0.0% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 11.49× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.26) × ERP
WACC = 23% × Ke + 77% × Kd (56.5%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 199.44 Current price: 13.76
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
4 Rev. Ana.
5 EPS Ana.
Dec 2027
4 Rev. Ana.
6 EPS Ana.
Dec 2028
2 Rev. Ana.
3 EPS Ana.
Revenue
32.61B
est: 11.84B (+175.4%)
38.69B
est: 14.31B (+170.4%)
39.65B
est: 16.50B (+140.3%)
53.67B
est: 20.20B (+165.7%)
59.35B
est: 22.44B (+164.5%)
63.42B
est: 29.87B (+112.3%)
93.77B
est: 32.90B (+185.0%)
207.48B
est: 103.77B (+99.9%)
402.68B
est: 228.86B (+75.9%)
800.22B
est: 149.55B (+435.1%)
1.15T
est: 232.99B (+393.3%)
388.29B
344.65B – 439.54B
+66.7% YoY
515.72B
461.53B – 612.94B
+32.8% YoY
612.89B
546.44B – 712.62B
+18.8% YoY
EBITDA
7.55B
est: 2.77B (+172.5%)
9.29B
est: 3.35B (+177.4%)
9.08B
est: 3.86B (+135.1%)
9.75B
est: 4.73B (+106.2%)
9.46B
est: 5.25B (+80.1%)
11.68B
est: 6.99B (+67.0%)
20.21B
est: 7.70B (+162.3%)
86.56B
est: 24.29B (+256.3%)
103.27B
est: 49.21B (+109.9%)
77.72B
est: 32.15B (+141.7%)
102.03B
est: 50.10B (+103.7%)
83.49B
74.10B – 94.50B
+66.7% YoY
110.88B
99.23B – 131.79B
+32.8% YoY
131.78B
117.49B – 153.22B
+18.8% YoY
EBIT
6.47B
est: 2.64B (+144.9%)
8.31B
est: 3.19B (+160.2%)
8.37B
est: 3.68B (+127.2%)
9.09B
est: 4.51B (+101.7%)
8.45B
est: 5.01B (+68.9%)
10.67B
est: 6.67B (+60.0%)
18.95B
est: 7.34B (+158.1%)
84.51B
est: 23.15B (+265.0%)
99.85B
est: 47.24B (+111.3%)
72.10B
est: 30.87B (+133.5%)
97.34B
est: 48.10B (+102.4%)
80.15B
71.14B – 90.73B
+66.7% YoY
106.46B
95.27B – 126.53B
+32.8% YoY
126.52B
112.80B – 147.10B
+18.8% YoY
Net Income
4.67B
est: 3.00B (+55.7%)
5.45B
est: 4.30B (+26.9%)
6.07B
est: 5.37B (+13.1%)
6.67B
est: 5.87B (+13.6%)
6.01B
est: 5.87B (+2.3%)
6.66B
est: 6.77B (-1.7%)
13.54B
est: 11.50B (+17.8%)
61.60B
est: 54.49B (+13.0%)
72.25B
est: 70.02B (+3.2%)
45.54B
est: 46.24B (-1.5%)
67.87B
est: 67.87B (+0.0%)
122.64B
114.05B – 131.31B
+80.7% YoY
170.00B
145.34B – 209.85B
+38.6% YoY
182.08B
162.70B – 291.52B
+7.1% YoY
SGA
1.94B
est: 54.56M (+3,447.1%)
1.84B
est: 65.93M (+2,683.5%)
277.16M
est: 76.05M (+264.5%)
235.36M
est: 93.08M (+152.9%)
251.74M
est: 103.39M (+143.5%)
249.31M
est: 137.64M (+81.1%)
362.94M
est: 151.62M (+139.4%)
808.53M
est: 478.17M (+69.1%)
1.81B
est: 1.08B (+67.7%)
5.49B
est: 703.79M (+679.6%)
5.08B
est: 1.10B (+363.5%)
1.83B
1.62B – 2.07B
+66.7% YoY
2.43B
2.17B – 2.88B
+32.8% YoY
2.88B
2.57B – 3.35B
+18.8% YoY
EPS
1.04
est: 0.12 (+767.7%)
1.21
est: 0.17 (+604.4%)
1.28
est: 0.21 (+496.6%)
1.50
est: 0.23 (+538.6%)
0.83
est: 0.23 (+253.3%)
0.90
est: 0.27 (+232.3%)
1.87
est: 0.46 (+306.6%)
2.46
est: 2.24 (+10.0%)
2.89
est: 2.80 (+3.2%)
1.82
est: 1.80 (+1.0%)
2.71
est: 2.65 (+2.2%)
4.83
4.56 – 5.25
+82.1% YoY
6.90
5.81 – 8.39
+42.9% YoY
8.65
6.51 – 11.66
+25.3% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-08 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-05-07 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-05-06 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-05-05 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-05-04 B+ 3/5 1/5 5/5 4/5 1/5 4/5 4/5
2026-04-30 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-04-29 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-04-28 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-04-27 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-04-24 B+ 3/5 1/5 5/5 4/5 1/5 4/5 3/5
2026-04-22 B+ 3/5 1/5 5/5 5/5 1/5 4/5 3/5
2026-04-21 B+ 3/5 1/5 5/5 5/5 1/5 4/5 3/5
2026-04-20 B+ 3/5 1/5 5/5 5/5 1/5 4/5 3/5
2026-04-17 B+ 3/5 1/5 5/5 5/5 1/5 4/5 3/5
2026-04-16 B+ 3/5 1/5 5/5 5/5 1/5 4/5 3/5
2026-04-15 A- 4/5 1/5 5/5 5/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
284.25B
OE per share TTM
11.36
Owner's Yield
78.14%
Maintenance CapEx ratio
37.27%
Maint CapEx / Avg PPE
9.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
4.79M
Shares Outstanding
25.00B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Ali Tolga Unal Head of Financial Management Division male
Ali Yalcin Deputy GM & Director of Human Resources Management male
Ebru Ozsuca Deputy Chief Executive female
Engin Yalcin Head of Corporate Compliance Department
Gul Meltem Atilgan Head of the Corporation Communications Division
Hakan Aran GM, Chief Executive Officer & Executive Director male
Hurdogan Irmak Head of Risk Management Division & Member of Board of Inspectors male
Muzaffer Okay Chairman of the Board of Inspectors male
Nevzat Burak Seyrek Deputy Chief Executive male
Nilgun Yosef Osman Head of Investor Relations and Sustainability Division female
Suat E. Sozen Deputy Chief Executive male
Suleyman Hayrettin Ozcan Head of Corporation Compliance Division, Compliance Officer & Member of Board of Inspectors male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits