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Vakif Finansal Kiralama ASIST:VAKFN -1.94%76 Return-on-Tangible-Equity is 21.46% as of Mar. 2026, which is 2% above its 10-year median of 21.08. GuruFocus rates IST:VAKFN with a GF Score™ of 76/100 and a GF Value™ of ₺1.65 (Fairly Valued). The stock has 5 warning signs investors should review. Among 525 Credit Services companies, Vakif Finansal Kiralama AS ranks better than 88% 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. Vakif Finansal Kiralama AS's annualized net income for the quarter that ended in Mar. 2026 was ₺1,643 Mil. Vakif Finansal Kiralama AS's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₺7,655 Mil. Therefore, Vakif Finansal Kiralama AS's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 21.46%.
The historical rank and industry rank for Vakif Finansal Kiralama AS's Return-on-Tangible-Equity or its related term are showing as below:
IST:VAKFN'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 11.94 Med: 21.08 Max: 68.95
Current: 24.17
During the past 13 years, Vakif Finansal Kiralama AS's highest Return-on-Tangible-Equity was 68.95%. The lowest was 11.94%. And the median was 21.08%.
IST:VAKFN's Return-on-Tangible-Equity is ranked better than 88% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs IST:VAKFN: 24.17
Vakif Finansal Kiralama AS (IST:VAKFN) 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.
Vakif Finansal Kiralama AS Return-on-Tangible-Equity Related Terms
Vakif Finansal Kiralama AS Return-on-Tangible-Equity Historical Data
* 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.
Vakif Finansal Kiralama AS Return-on-Tangible-Equity Chart
IST:VAKFN vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Vakif 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.
Vakif Finansal Kiralama AS Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Vakif Finansal Kiralama AS's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Vakif 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 21.46% mean?
Vakif Finansal Kiralama AS (IST:VAKFN) has a Return-on-Tangible-Equity of 21.46% 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 Vakif Finansal Kiralama AS and its competitors. This is near median its historical median of 21.08. Over the past decade, Vakif Finansal Kiralama AS's Return-on-Tangible-Equity has ranged from 11.94 to 68.95. According to the industry distribution chart, Vakif Finansal Kiralama AS ranks #63 out of 525 companies in the Credit Services industry, placing it in the top 12%.
Is Vakif Finansal Kiralama AS's Return-on-Tangible-Equity too high?
Vakif Finansal Kiralama AS's current Return-on-Tangible-Equity of 21.46% is near median its 10-year median of 21.08. Over the past 10 years, this metric has ranged from a low of 11.94 to a high of 68.95. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Vakif Finansal Kiralama AS's value of 21.46% is 206.1% above this industry median. Based on the distribution chart, Vakif Finansal Kiralama AS ranks #63 out of 525 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Vakif Finansal Kiralama AS has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Vakif Finansal Kiralama AS's Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Vakif Finansal Kiralama AS ranks #63 out of 525 companies for Return-on-Tangible-Equity. This places Vakif Finansal Kiralama AS in the top 12% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.01. Vakif Finansal Kiralama AS's value of 21.46% is 206.1% above this benchmark. Historically, Vakif Finansal Kiralama AS's own Return-on-Tangible-Equity has ranged from 11.94 to 68.95 over the past decade. While the company's 10-year median is 21.08 vs. the industry median of 7.01, Vakif 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 7.01, based on 525 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. Vakif Finansal Kiralama AS's current Return-on-Tangible-Equity of 21.46% is 206.1% 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 Vakif Finansal Kiralama AS and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Vakif Finansal Kiralama AS's current Return-on-Tangible-Equity is 21.46%, which is near median its own 10-year median of 21.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Vakif Finansal Kiralama AS stock overvalued right now?
Based on GuruFocus' analysis, Vakif Finansal Kiralama AS (IST:VAKFN) is currently considered Fairly Valued. The stock's GF Value™ is ₺1.65, compared to a current price of ₺1.52 — trading 7.9% below its estimated fair value. The current Return-on-Tangible-Equity is 21.46%, which is near median its 10-year median of 21.08 and 206.1% above the Credit Services industry median of 7.01. Vakif Finansal Kiralama AS's overall GF Score™ is 76/100 with 5 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 Vakif Finansal Kiralama AS (IST:VAKFN), the current Return-on-Tangible-Equity is 21.46% 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 Vakif Finansal Kiralama AS (IST:VAKFN) Overvalued in 2026?
Based on GuruFocus' analysis, Vakif Finansal Kiralama AS stock appears to be undervalued.
The current stock price of ₺1.52 is trading 7.9% below its estimated GF Value™ of ₺1.65.
GuruFocus considers Vakif Finansal Kiralama AS to be Fairly Valued.
Key valuation signals for IST:VAKFN:
Return-on-Tangible-Equity: 21.46% (near median its 10-year median of 21.08)
GF Value™: ₺1.65 vs. price of ₺1.52 (7.9% below fair value)
Industry Position: 206.1% above the Credit Services median (#63 of 525)
No single metric tells the full story. See the IST:VAKFN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Vakif Finansal Kiralama AS is a financial leasing company providing financial intermediation to SMEs and investors in the commercial, aircraft and aviation, wind energy, transportation, tourism, technology, and other industries. The company operates through branches in Istanbul (Anatolian and European sides), Ankara, Adana, Izmir, Bursa, Konya, and Antalya, and continues its comprehensive operations throughout Turkey with a wide customer portfolio and service network.
76GF Score
Get the complete analysis for IST:VAKFN
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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