Creditwest Faktoring AS (IST:CRDFA) EBIT: ₺189.8 Mil (TTM As of Dec. 2025)


IST:CRDFA Creditwest Faktoring AS IST:CRDFA
44 GF Score
Price ₺36.70
GF Value ₺8.66
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Creditwest Faktoring AS EBIT?

Creditwest Faktoring AS IST:CRDFA -2.13% 44 EBIT is ₺189.8 Mil as of Dec. 2025. GuruFocus rates IST:CRDFA with a GF Score™ of 44/100 and a GF Value™ of ₺8.66 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Creditwest Faktoring AS's earnings before interest and taxes (EBIT) for the three months ended in Dec. 2025 was ₺0.0 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2025 was ₺189.8 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Creditwest Faktoring AS's annualized ROC % for the quarter that ended in Dec. 2025 was 0.00%. Creditwest Faktoring AS's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 0.00%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Creditwest Faktoring AS's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was 1.61%.


Creditwest Faktoring AS  (IST:CRDFA) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Creditwest Faktoring AS's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Mar. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=0 * ( 1 - 0% )/( (1819.137 + 2326.399)/ 2 )
=0/2072.768
=0.00 %

where

Invested Capital(Q: Mar. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=1969.98 - 42.704 - ( 108.139 - max(0, 1318.73 - 1724.963+108.139))
=1819.137

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=3217.373 - 35.23 - ( 855.744 - max(0, 1700.726 - 2948.786+855.744))
=2326.399

Note: The Operating Income data used here is four times the quarterly (Dec. 2025) data.

2. Joel Greenblatt's definition of Return on Capital:

Creditwest Faktoring AS's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Dec. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Mar. 2025  Q: Dec. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=0/( ( (26.481 + max(1695.758, 0)) + (28.359 + max(2194.413, 0)) )/ 2 )
=0/( ( 1722.239 + 2222.772 )/ 2 )
=0/1972.5055
=0.00 %

where Working Capital is:

Working Capital(Q: Mar. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(1728.176 + 0 + 12.297) - (42.704 + 0 + 2.011)
=1695.758

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(2221.26 + 0 + 10.938) - (35.23 + 0 + 2.5550000000001)
=2194.413

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Dec. 2025) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Creditwest Faktoring AS's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2025 )
=189.77/11823.122
=1.61 %

* 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.


Creditwest Faktoring AS EBIT Related Terms


Creditwest Faktoring AS EBIT Historical Data

* Premium members only.

The historical data trend for Creditwest Faktoring AS's EBIT 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.

Creditwest Faktoring AS EBIT Chart

Creditwest Faktoring AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 15.65 41.49 91.74 164.64 259.18

Creditwest Faktoring AS Quarterly Data
Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Dec25
EBIT 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 45.03 50.25 35.13 59.35 0.00

IST:CRDFA vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Creditwest Faktoring AS's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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.


Creditwest Faktoring AS EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Creditwest Faktoring AS's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Creditwest Faktoring AS's EV-to-EBIT falls into.


IST:CRDFA
44GF Score
Creditwest Faktoring AS IST:CRDFA
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Creditwest Faktoring AS EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was ₺189.8 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₺189.8 Mil mean?
Creditwest Faktoring AS (IST:CRDFA) has a EBIT of ₺189.8 Mil as of Dec. 2025. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Creditwest Faktoring AS.
Is Creditwest Faktoring AS's EBIT too high?
Creditwest Faktoring AS's current EBIT is ₺189.8 Mil. Overall, Creditwest Faktoring AS has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Creditwest Faktoring AS's EBIT compare to V and MA?
Creditwest Faktoring AS's EBIT of ₺189.8 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Creditwest Faktoring AS. Creditwest Faktoring AS's current EBIT is ₺189.8 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Creditwest Faktoring AS stock overvalued right now?
Based on GuruFocus' analysis, Creditwest Faktoring AS (IST:CRDFA) is currently considered Significantly Overvalued. The stock's GF Value™ is ₺8.66, compared to a current price of ₺36.70 — trading 323.8% above its estimated fair value. The current EBIT is ₺189.8 Mil. Creditwest Faktoring AS's overall GF Score™ is 44/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Creditwest Faktoring AS (IST:CRDFA), the current EBIT is ₺189.8 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Creditwest Faktoring AS (IST:CRDFA) Overvalued in 2026?

Based on GuruFocus' analysis, Creditwest Faktoring AS stock appears to be overvalued. The current stock price of ₺36.70 is trading 323.8% above its estimated GF Value™ of ₺8.66. GuruFocus considers Creditwest Faktoring AS to be Significantly Overvalued.

Key valuation signals for IST:CRDFA:

  • EBIT: ₺189.8 Mil
  • GF Value™: ₺8.66 vs. price of ₺36.70 (323.8% above fair value)
  • GF Score™: 44/100 with 7 warning signs

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


Creditwest Faktoring AS Business Description

Address Buyukdere cad No 108, Enka Binasi Esentepe, Istanbul, TUR, 34394
Creditwest Faktoring AS is a Turkish company which engages in the factoring activities regarding domestic and international transactions. It offers various types of factoring services, such as domestic, import and export, which are used in a range of sectors. The company also provides credit management, revenue management, and cash management.
44GF Score

Get the complete analysis for IST:CRDFA

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

₺36.70
Price
₺8.66
GF Value