Is Finansal Kiralama ASIST:ISFIN -0.67%39 Return-on-Tangible-Equity is 25.83% as of Mar. 2026, which is 40% above its 10-year median of 18.44. GuruFocus rates IST:ISFIN with a GF Score™ of 39/100 and a GF Value™ of ₺25.84 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 524 Credit Services companies, Is Finansal Kiralama AS ranks better than 92.37% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Is Finansal Kiralama AS's annualized net income for the quarter that ended in Mar. 2026 was ₺3,220 Mil. Is Finansal Kiralama AS's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₺12,468 Mil. Therefore, Is Finansal Kiralama AS's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 25.83%.
The historical rank and industry rank for Is Finansal Kiralama AS's Return-on-Tangible-Equity or its related term are showing as below:
IST:ISFIN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.38 Med: 18.44 Max: 37.25
Current: 34.67
During the past 13 years, Is Finansal Kiralama AS's highest Return-on-Tangible-Equity was 37.25%. The lowest was 7.38%. And the median was 18.44%.
IST:ISFIN's Return-on-Tangible-Equity is ranked better than 92.37% of 524
companies
in the Credit Services industry
Industry Median: 7.055
vs IST:ISFIN: 34.67
Is Finansal Kiralama AS (IST:ISFIN) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Is Finansal Kiralama AS Return-on-Tangible-Equity Related Terms
Is Finansal Kiralama AS Return-on-Tangible-Equity Historical Data
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The historical data trend for Is Finansal Kiralama AS's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
IST:ISFIN vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Is Finansal Kiralama AS's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Is Finansal Kiralama AS's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Is Finansal Kiralama AS's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 25.83% mean?
Is Finansal Kiralama AS (IST:ISFIN) has a Return-on-Tangible-Equity of 25.83% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Is Finansal Kiralama AS and its competitors. This is 40% above median its historical median of 18.44. Over the past decade, Is Finansal Kiralama AS's Return-on-Tangible-Equity has ranged from 7.38 to 37.25. According to the industry distribution chart, Is Finansal Kiralama AS ranks #40 out of 524 companies in the Credit Services industry, placing it in the top 7.6%.
Is Is Finansal Kiralama AS's Return-on-Tangible-Equity too high?
Is Finansal Kiralama AS's current Return-on-Tangible-Equity of 25.83% is 40% above median its 10-year median of 18.44. Over the past 10 years, this metric has ranged from a low of 7.38 to a high of 37.25. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Is Finansal Kiralama AS's value of 25.83% is 266.1% above this industry median. Based on the distribution chart, Is Finansal Kiralama AS ranks #40 out of 524 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Is Finansal Kiralama AS ranks #40 out of 524 companies for Return-on-Tangible-Equity. This places Is Finansal Kiralama AS in the top 8% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.06. Is Finansal Kiralama AS's value of 25.83% is 266.1% above this benchmark. Historically, Is Finansal Kiralama AS's own Return-on-Tangible-Equity has ranged from 7.38 to 37.25 over the past decade. While the company's 10-year median is 18.44 vs. the industry median of 7.06, Is Finansal Kiralama AS has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Is Finansal Kiralama AS's current Return-on-Tangible-Equity of 25.83% is 266.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Is Finansal Kiralama AS and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Is Finansal Kiralama AS's current Return-on-Tangible-Equity is 25.83%, which is 40% above median its own 10-year median of 18.44. 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 ₺25.84, compared to a current price of ₺19.40 — trading 24.9% below its estimated fair value. The current Return-on-Tangible-Equity is 25.83%, which is 40% above median its 10-year median of 18.44 and 266.1% above the Credit Services industry median of 7.06. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Is Finansal Kiralama AS (IST:ISFIN), the current Return-on-Tangible-Equity is 25.83% 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 ₺19.40 is trading 24.9% below its estimated GF Value™ of ₺25.84.
GuruFocus considers Is Finansal Kiralama AS to be Modestly Undervalued.
Key valuation signals for IST:ISFIN:
Return-on-Tangible-Equity: 25.83% (40% above median its 10-year median of 18.44)
GF Value™: ₺25.84 vs. price of ₺19.40 (24.9% below fair value)
Industry Position: 266.1% above the Credit Services median (#40 of 524)
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 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
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