Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

IST/CRDFA stock hub

IST/CRDFA has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

9.1B

Istanbul Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

IST/CRDFA

In the news

Latest news · IST/CRDFA

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 3.5P50 3.7P75 5

Trailing P/E9.9

P25 5.1P50 8P75 17

ROE93.1

P25 -4.2P50 23.5P75 33.6

ROIC30

P25 -0.1P50 6P75 24.9

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All IST/CRDFA market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

209

Groups with data

Currency

TRY

Showing 209 of 209 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Turkey
Country code	TR
Employees	41
Employees Change	0%
Employees Change Percent	0
Enterprise value	TRY 10.7B
Exchange	Istanbul Stock Exchange
Financial currency	TRY
First seen	2026-05-10
Industry	Credit Services
Isin	TRATPFAC91P5
Last refreshed	2026-05-10
Market cap	TRY 9.1B
Price	TRY 30.34
Price currency	TRY
Rev Per Employee	25,242,897.78x
Sector	Financials
Sic	6159
Symbol	ist/CRDFA
Website	https://www.creditwest.com.tr

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	10.07%
EV Earnings	11.65x
EV/EBIT	12.6x
EV/EBITDA	12.43x
EV/FCF	-9.13x
EV/Sales	10.31x
FCF yield	-12.84%
P/B ratio	6.23x
P/E ratio	9.93x
P/S ratio	8.79x
PE Ratio10 Y	9.86x
PE Ratio3 Y	7.48x
PE Ratio5 Y	11.35x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	80.76%
EBITDA Margin	81.36%
Gross margin	96.23%
Gross Profit	TRY 995.9M
Gross Profit Growth	66.28%
Gross Profit Growth Q	58%
Gross Profit Growth3 Y	90.42%
Gross Profit Growth5 Y	80.88%
Net Income	TRY 916.3M
Net Income Growth	667.51%
Net Income Growth Q	3,972.87%
Net Income Growth3 Y	212.05%
Net Income Growth5 Y	126.41%
Pretax Margin	96.83%
Profit Margin	88.53%
Profit Per Employee	TRY 22.3M
ROA	22.37
Roa5y	17.43
ROCE	56.47
ROE	93.09
Roe5y	32.01
ROIC	30.01
Roic5y	22.7

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	64.08%
Cagr15y	36.17%
Cagr1y	641.02%
Cagr20y	32.81%
Cagr3y	202.37%
Cagr5y	101.94%
EPS Growth	667.5
EPS Growth Q	3,972.5
EPS Growth3 Y	212.6
EPS Growth5 Y	126.4
Revenue Growth	62.35x
Revenue Growth Q	44.01x
Revenue Growth3 Y	86.82x
Revenue Growth5 Y	76.7x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	TRY 0.44
Assets	TRY 3.2B
Cash	TRY 100.2M
Current Assets	TRY 2.2B
Current Liabilities	TRY 1.7B
Debt	TRY 1.7B
Debt EBITDA	TRY 1.97
Debt Equity	TRY 1.14
Debt FCF	TRY -1.43
Equity	TRY 1.5B
Interest Coverage	1.44
Liabilities	TRY 1.8B
Long Term Assets	TRY 1B
Long Term Liabilities	TRY 19.8M
Net Cash	TRY -1.6B
Net Cash By Market Cap	TRY -17.23
Net Debt EBITDA	TRY 1.86
Net Debt Equity	TRY 1.07
Tangible Book Value	TRY 1.5B
Tangible Book Value Per Share	TRY 4.87
WACC	10.16

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	1.27
Net Working Capital	TRY 2B
Quick ratio	1.27
Working Capital	TRY 472.1M
Working Capital Turnover	TRY 2.57

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Dividend per share	TRY 0
Last Dividend	TRY 0.08

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	14,035.43%
1Y total return	640%
200-day SMA	18.04
3Y total return	2,666.57%
50-day SMA	27.67
50-day SMA vs 200-day SMA	50over200
5Y total return	3,256.2%
All Time High	35
All Time High Change	-13.31%
All Time High Date	2026-04-27
All Time Low	0
All Time Low Change	1,011,233.33%
All Time Low Date	2001-02-23
ATR	1.62
Beta	0.35
Beta1y	-1.02
Beta2y	-0.61
Ch YTD	40.57
High	30.7
High52	35
High52 Date	2026-04-27
High52ch	-13.31%
Low	29.02
Low52	3
Low52 Date	2025-07-04
Low52ch	911.33%
Ma50ch	9.65%
Price vs 200-day SMA	68.17%
RSI	54.55
RSI Monthly	88.71
RSI Weekly	74.03
Sharpe ratio	2.97x
Sortino ratio	5.4
Tr YTD	40.57
Tr15y	10,167.83%
Tr1m	16.69%
Tr1w	-3.68%
Tr3m	24.34%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	TRY 835.8M
Operating Income Growth	68.72
Operating Income Growth Q	66.74
Operating Income Growth3 Y	89.57
Operating Income Growth5 Y	82.68
Operating margin	80.76

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	137,850,087%
Net Borrowing	1,226,635,918
Shares Institutions	14.6%
Shares Out	300,000,000
Shares Qo Q	0.04%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	TRY -1.2B
Average Volume	2,814,930.2x
Bv Per Share	4.87
CAPEX	TRY -27.6M
Ch10y	7,485
Ch15y	5,409.4
Ch1m	16.69
Ch1w	-3.68
Ch1y	640
Ch20y	15,547.2
Ch3m	24.34
Ch3y	2,665.7
Ch5y	3,256.2
Ch6m	102
Change	1.54%
Change From Open	1.54
Close	29.88
Days Gap	0
Depreciation Amortization	6,284,030
Dollar Volume	64,979,117.3
Earnings Date	2026-05-15
EBIT	TRY 835.8M
EBITDA	TRY 842.1M
EPS	TRY 3.05
F Score	3
FCF	TRY -1.2B
FCF EV Yield	-10.95x
FCF Per Share	TRY -3.9
Financing CF	1,226,635,918
Fiscal Year End	December
Founded	1,994
Graham Number	18.28875
Graham Upside	-39.72
Income Tax	TRY 85.9M
Investing CF	-26,061,388
Is Primary Listing	1
Last Earnings Date	2026-02-25
Last Report Date	2025-12-31
Last Split Date	2026-03-31
Last Split Type	Forward
Lynch Fair Value	TRY 76.35
Lynch Upside	151.6
Ma150	21.72
Ma150ch	39.67%
Ma20	30.53
Ma20ch	-0.61%
Net CF	59,384,723
Next Earnings Date	2026-05-15
Open	29.88
Position In Range	78.57
Ppne	28,359,054
Price Date	2026-05-08
Price EBITDA	TRY 10.81
Ptbv Ratio	6.24
Relative Volume	0.76x
Revenue	1,034,958,809x
Tax By Revenue	8.3x
Tax Rate	8.57%
Tr20y	29,067.19%
Tr6m	102%
Volume	2,141,698
Z Score	2.61

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does IST/CRDFA pay a dividend?

Capital-return profile for this ticker.

Performance

IST/CRDFA stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns IST/CRDFA?

Insider, institutional, and short-interest positioning.

Institutional ownership

+14.6%

Share of float held by funds and institutions

Insider ownership

n/a

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

n/a

Negative means the company is buying back shares.

Technical

IST/CRDFA momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

54.5

Neutral momentum band

Price vs 200-day MA

+68.2%

50/200-day relationship not available

Beta (5Y)

0.35

Less volatile than the market

Sharpe ratio

2.97

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About IST/CRDFA

Hub-level FAQ points readers to the deeper analysis pages.

What is the current ist/CRDFA stock rating?

ist/CRDFA is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full ist/CRDFA analysis?

The full report lives at /stocks/ist/CRDFA/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for ist/CRDFA?

The latest report frames ist/CRDFA around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the ist/CRDFA page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.