Is Finansal Kiralama AS (IST:ISFIN) Cyclically Adjusted PB Ratio: (As of Sep. 22, 2026)

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Director of Data and Quant Analytics at GuruFocus
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Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

IST:ISFIN Is Finansal Kiralama AS IST:ISFIN
37 GF Score
Price ₺18.85
GF Value ₺27.72
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Is Finansal Kiralama AS Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Is Finansal Kiralama AS  (IST:ISFIN) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Is Finansal Kiralama AS Cyclically Adjusted PB Ratio Related Terms


Is Finansal Kiralama AS Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Is Finansal Kiralama AS's Cyclically Adjusted PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is Finansal Kiralama AS Cyclically Adjusted PB Ratio Chart

Is Finansal Kiralama AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.78 3.48 3.38 2.73 2.43

Is Finansal Kiralama AS Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.61 3.07 2.83 3.01 2.86

IST:ISFIN vs V, MA, AXP: Cyclically Adjusted PB Ratio Comparison

For the Credit Services subindustry, Is Finansal Kiralama AS's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Is Finansal Kiralama AS Cyclically Adjusted PB Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Is Finansal Kiralama AS's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Is Finansal Kiralama AS's Cyclically Adjusted PB Ratio falls into.


IST:ISFIN
37GF Score
Is Finansal Kiralama AS IST:ISFIN
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Finansal Kiralama AS Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Is Finansal Kiralama AS's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Is Finansal Kiralama AS's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=22.203/333.9520*333.9520
=22.203

Current CPI (Jun. 2026) = 333.9520.

Is Finansal Kiralama AS Quarterly Data

Book Value per Share CPI Adj_Book
201609 1.147 241.428 1.587
201612 1.194 241.432 1.652
201703 1.240 243.801 1.699
201706 1.291 244.955 1.760
201709 1.343 246.819 1.817
201712 1.402 246.524 1.899
201803 1.468 249.554 1.964
201806 1.519 251.989 2.013
201809 1.646 252.439 2.177
201812 1.769 251.233 2.351
201903 1.752 254.202 2.302
201906 1.742 256.143 2.271
201909 1.860 256.759 2.419
201912 1.832 256.974 2.381
202003 1.859 258.115 2.405
202006 1.960 257.797 2.539
202009 2.159 260.280 2.770
202012 2.641 260.474 3.386
202103 2.751 264.877 3.468
202106 2.618 271.696 3.218
202109 2.927 274.310 3.563
202112 3.290 278.802 3.941
202203 3.398 287.504 3.947
202206 3.920 296.311 4.418
202209 4.171 296.808 4.693
202212 5.757 296.797 6.478
202303 5.369 301.836 5.940
202306 6.856 305.109 7.504
202309 10.375 307.789 11.257
202312 10.410 306.746 11.333
202403 11.328 312.332 12.112
202406 13.082 314.175 13.905
202409 13.258 315.301 14.042
202412 15.135 315.605 16.015
202503 14.616 319.799 15.263
202506 15.744 322.561 16.300
202509 17.936 324.800 18.441
202512 19.349 324.054 19.940
202603 20.884 330.213 21.120
202606 22.203 333.952 22.203

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Is Finansal Kiralama AS (IST:ISFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Is Finansal Kiralama AS stock appears to be undervalued. The current stock price of ₺18.85 is trading 32% below its estimated GF Value™ of ₺27.72. GuruFocus considers Is Finansal Kiralama AS to be Significantly Undervalued.

Key valuation signals for IST:ISFIN:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: ₺27.72 vs. price of ₺18.85 (32% below fair value)
  • GF Score™: 37/100 with 2 warning signs

No single metric tells the full story. See the IST:ISFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Is Finansal Kiralama AS Business Description

Address Is Kuleleri Kule: 1, Kat: 6, Levent, Istanbul, TUR, 34330
Is Finansal Kiralama AS is a Turkey-based company, engaged in proving leasing and factoring service in domestic and internationally. The Company has two different operating segments, leasing and factoring. Leasing Includes the Group's finance lease activities, Factoring operations Includes the Group's factoring activities. The company undertakes the leasing of machinery and equipment, real estate, tourism equipment, road transport vehicles, office equipment and textile machinery and others. It provides leasing services such as pre-sale services and after-sale services. Also, the group has a range of leasing products like Sale and Lease Back; Software leasing; Operational Leasing.
37GF Score

Get the complete analysis for IST:ISFIN

Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₺18.85
Price
₺27.72
GF Value