ISFIN PEER ANALYSIS

Is Finansal Kiralama Anonim Sirketi — metric-by-metric comparison with peers and the industry median

ISFINIs Finansal Kiralama Anonim Sirketi

🇹🇷 Turkey · IS · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

ISFINIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	ISFIN	OPFI	PMTS	LPRO	CPSS	FOA	Ind. Median
P/E	16.96	3.99●	19.76	—	11.22	6.14	16.27
P/B	0.94	3.49	-17.25●	4.86	0.72	0.62	2.03
EV/EBITDA	—	2.88●	6.80	60.38	43.38	58.79	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ISFIN	OPFI	PMTS	LPRO	CPSS	FOA	Ind. Median
Current Ratio	—	1.14	2.54	4.44●	1.53	0.11	1.20
Debt/Equity	0.0%	397.6%	-2,068.6%●	113.0%	1,174.2%	8,845.5%	116.1%
NetDebt/EBITDA	—	1.36	3.59	-22.64●	40.87	58.38	2.39

Profitability
Metric	ISFIN	OPFI	PMTS	LPRO	CPSS	FOA	Ind. Median
Net Margin	—	10.9%●	2.2%	-5.9%	4.6%	1.6%	10.0%
ROE	6.3%	134.6%●	—	-6.8%	6.6%	10.2%	13.4%
ROA	—	9.7%●	3.3%	-2.0%	0.5%	0.1%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	ISFIN	OPFI	PMTS	LPRO	CPSS	FOA	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	—	-35.1%	—	4.5%●	-38.9%	19.9%
Div. Yield	—	24.3%●	—	—	—	0.6%	1.2%
Payout	—	96.9%	—	—	—	4.1%	16.3%

Valuation
Metric	ISFIN	GARFA	VAKFA	VAKFN	CRDFA	LIDFA	Ind. Median
P/E	16.96	16.67	23.40	19.72	9.69	3.14●	16.27
P/B	0.94●	1.90	1.46	1.03	1.99	1.02	2.03
EV/EBITDA	—	—	—	—	—	—	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ISFIN	GARFA	VAKFA	VAKFN	CRDFA	LIDFA	Ind. Median
Current Ratio	—	—	—	—	—	—	1.20
Debt/Equity	0.0%●	0.0%●	0.0%●	0.0%●	0.0%●	0.0%●	116.1%
NetDebt/EBITDA	—	—	—	—	—	—	2.39

Profitability
Metric	ISFIN	GARFA	VAKFA	VAKFN	CRDFA	LIDFA	Ind. Median
Net Margin	—	—	—	—	—	—	10.0%
ROE	6.3%	13.5%	7.3%	5.8%	29.9%	39.0%●	13.4%
ROA	—	—	—	—	—	—	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	ISFIN	GARFA	VAKFA	VAKFN	CRDFA	LIDFA	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	—	—	—	—	—	44.0%	19.9%
Div. Yield	—	—	—	—	—	—	1.2%
Payout	—	—	—	—	—	—	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 3, 26. This content is for informational purposes only and is not investment advice.