Is Finansal Kiralama AS (IST:ISFIN) Retained Earnings: ₺805 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
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
39 GF Score
Price ₺19.25
GF Value ₺26.07
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Is Finansal Kiralama AS Retained Earnings?

Is Finansal Kiralama AS IST:ISFIN +0.15% 39 Retained Earnings is ₺805 Mil as of Mar. 2026. GuruFocus rates IST:ISFIN with a GF Score™ of 39/100 and a GF Value™ of ₺26.07 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Is Finansal Kiralama AS's retained earnings for the quarter that ended in Mar. 2026 was ₺805 Mil.

Is Finansal Kiralama AS's quarterly retained earnings increased from Sep. 2025 (₺2,523 Mil) to Dec. 2025 (₺3,630 Mil) but then declined from Dec. 2025 (₺3,630 Mil) to Mar. 2026 (₺805 Mil).

Is Finansal Kiralama AS's annual retained earnings increased from Dec. 2023 (₺1,773 Mil) to Dec. 2024 (₺1,931 Mil) and increased from Dec. 2024 (₺1,931 Mil) to Dec. 2025 (₺3,630 Mil).


Is Finansal Kiralama AS  (IST:ISFIN) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Is Finansal Kiralama AS Retained Earnings Historical Data

* Premium members only.

The historical data trend for Is Finansal Kiralama AS's Retained Earnings 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 Retained Earnings Chart

Is Finansal Kiralama AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 310.06 834.59 1,772.93 1,930.67 3,630.14

Is Finansal Kiralama AS Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings 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 630.80 1,597.70 2,522.91 3,630.14 804.97
IST:ISFIN
39GF Score
Is Finansal Kiralama AS IST:ISFIN
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Finansal Kiralama AS Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of ₺805 Mil mean?
Is Finansal Kiralama AS (IST:ISFIN) has a Retained Earnings of ₺805 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Is Finansal Kiralama AS and its competitors.
Is Is Finansal Kiralama AS's Retained Earnings too high?
Is Finansal Kiralama AS's current Retained Earnings is ₺805 Mil. Overall, Is Finansal Kiralama AS has a GF Score™ of 39/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Is Finansal Kiralama AS's Retained Earnings compare to V and MA?
Is Finansal Kiralama AS's Retained Earnings of ₺805 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 Retained Earnings for a Credit Services company?
A good Retained Earnings depends on the Credit Services industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Is Finansal Kiralama AS and its competitors. Is Finansal Kiralama AS's current Retained Earnings is ₺805 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Is Finansal Kiralama AS stock overvalued right now?
Based on GuruFocus' analysis, Is Finansal Kiralama AS (IST:ISFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺26.07, compared to a current price of ₺19.25 — trading 26.2% below its estimated fair value. The current Retained Earnings is ₺805 Mil. Is Finansal Kiralama AS's overall GF Score™ is 39/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Is Finansal Kiralama AS (IST:ISFIN), the current Retained Earnings is ₺805 Mil as of Mar. 2026. 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 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 ₺19.25 is trading 26.2% below its estimated GF Value™ of ₺26.07. GuruFocus considers Is Finansal Kiralama AS to be Modestly Undervalued.

Key valuation signals for IST:ISFIN:

  • Retained Earnings: ₺805 Mil
  • GF Value™: ₺26.07 vs. price of ₺19.25 (26.2% below fair value)
  • GF Score™: 39/100 with 3 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.
39GF Score

Get the complete analysis for IST:ISFIN

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

₺19.25
Price
₺26.07
GF Value