Türkiye Is Bankasi A.S. (ISCTR) Stock Price, Fundamentals & Analysis

What ISCTR does

Türkiye Is Bankasi A.S. (ISCTR) is a large Turkish bank that provides a wide range of banking products and services to individuals and businesses across Turkey. It operates through several segments, including Corporate/Commercial Banking, Retail/Private Banking, Treasury Operations and Investment Activities, Insurance and Reinsurance Activities, and Other. The bank offers personal loans such as land, education, overdraft, and yacht loans, as well as car and home loans, credit and debit cards, and a broad suite of deposit and investment products. These include term deposits, term TL, term FX, term gold, non-term deposits, gold, equities, futures and options markets, mutual funds, Eurobonds, and debt instruments. ISCTR also provides digital banking, various insurance products (such as compulsory earthquake, motor vehicle third-party liability, comprehensive motor, health, personal accident, workplace, life, critical illness, credit card payment protection, and loan payment protection), pension funds, and expat, private, and startup banking services. In addition, it offers cash and non-cash loans, letters of guarantee and credit, agricultural banking, and foreign trade transactions, trading, and financing services. As a major player in the Turkish financial system, ISCTR is part of the Borsa Istanbul stocks universe and sits alongside peers such as Haci Ömer Sabanci Holding A.S. (SAHOL), Türkiye Vakiflar Bankasi Türk Anonim Ortakligi (VAKBN), Yapi ve Kredi Bankasi A.S. (YKBNK), Türkiye Sinai Kalkinma Bankasi A.S. (TSKB), Akbank T.A.S. (AKBNK), Is Yatirim Menkul Degerler Anonim Sirketi (ISMEN), and Turkiye Garanti Bankasi A.S. (GARAN).

Key numbers explained

• 13.07 TRY is the current share price, representing the latest trading value of one ISCTR share on the Borsa Istanbul market.
• The trailing P/E ratio of 4.8 shows how much investors pay per unit of the company's last twelve months of earnings; a lower figure can suggest the stock is priced modestly relative to recent earnings.
• The forward P/E ratio of 2.6 uses expected future earnings, offering a forward-looking perspective on the price relative to anticipated profit.
• Dividend yield of 4.13% indicates the annual dividend payment as a percentage of the current share price, a common measure of income return for shareholders.
• The ex-dividend date of Apr 1, 2026 is the cutoff date; buyers on or after this date are not entitled to the next dividend payment.
• 20% of earnings is the share of profits paid out as dividends, showing what portion of the company's earnings is returned to shareholders rather than retained.
• Beta of 0.2 suggests the stock's price tends to move less than the overall market, a measure often used to understand volatility relative to a benchmark.
• Price-to-book of 0.72 compares the share price to the company's book value per share, a metric sometimes used to assess whether a stock trades below or above its accounting net asset value.

What to watch

• Revenue growth of 24.8% year over year shows how quickly the bank's top line has expanded, a sign of business momentum.
• Profit margin of 16.1% and operating margin of 13% reflect how much of each revenue unit translates into profit at different stages of the income statement.
• Return on equity of 18.9% measures how effectively the company generates profit from shareholders' capital.
• The 52-week price range of 11.11 – 18.21 TRY and the -6.4% price change over the past year provide a sense of recent price movement and volatility.
• Market capitalisation of 326.75B TRY reflects the total market value of all outstanding shares, a common gauge of the company's size.
• The next earnings date of 30 oct. 2026 is the scheduled release for the company's upcoming financial results, a key event for investors tracking performance.