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Creditwest Faktoring ASIST:CRDFA -5.36%45 3-Year ROIIC % is 12.55 as of Dec. 2025, which is 278% above its 10-year median of 3.32. GuruFocus rates IST:CRDFA with a GF Score™ of 45/100 and a GF Value™ of ₺8.89 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 396 Credit Services companies, Creditwest Faktoring AS ranks better than 77.27% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Creditwest Faktoring AS's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 12.55%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Creditwest Faktoring AS's 3-Year ROIIC % or its related term are showing as below:
IST:CRDFA's 3-Year ROIIC % is ranked better than 77.27% of 396
companies
in the Credit Services industry
Industry Median: 2.805
vs IST:CRDFA: 12.55
Creditwest Faktoring AS (IST:CRDFA) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Creditwest Faktoring AS 3-Year ROIIC % Related Terms
Creditwest Faktoring AS 3-Year ROIIC % 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.
IST:CRDFA vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Creditwest Faktoring AS's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditwest Faktoring AS's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Creditwest Faktoring AS's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Creditwest Faktoring AS (IST:CRDFA) has a 3-Year ROIIC % of 12.55 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Creditwest Faktoring AS and its competitors. This is 278% above median its historical median of 3.32. According to the industry distribution chart, Creditwest Faktoring AS ranks #90 out of 396 companies in the Credit Services industry, placing it in the top 22.7%.
Is Creditwest Faktoring AS's 3-Year ROIIC % too high?
Creditwest Faktoring AS's current 3-Year ROIIC % of 12.55 is 278% above median its 10-year median of 3.32. The Credit Services industry median 3-Year ROIIC % is 2.81. Creditwest Faktoring AS's value of 12.55 is 347.4% above this industry median. Based on the distribution chart, Creditwest Faktoring AS ranks #90 out of 396 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Creditwest Faktoring AS has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Creditwest Faktoring AS's 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Creditwest Faktoring AS ranks #90 out of 396 companies for 3-Year ROIIC %. This places Creditwest Faktoring AS in the top 23% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.81. Creditwest Faktoring AS's value of 12.55 is 347.4% above this benchmark. While the company's 10-year median is 3.32 vs. the industry median of 2.81, Creditwest Faktoring 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.81, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Creditwest Faktoring AS's current 3-Year ROIIC % of 12.55 is 347.4% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Creditwest Faktoring AS and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Creditwest Faktoring AS's current 3-Year ROIIC % is 12.55, which is 278% above median its own 10-year median of 3.32. 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 ₺8.89, compared to a current price of ₺26.50 — trading 198.1% above its estimated fair value. The current 3-Year ROIIC % is 12.55, which is 278% above median its 10-year median of 3.32 and 347.4% above the Credit Services industry median of 2.81. Creditwest Faktoring AS's overall GF Score™ is 45/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Creditwest Faktoring AS (IST:CRDFA), the current 3-Year ROIIC % is 12.55 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 ₺26.50 is trading 198.1% above its estimated GF Value™ of ₺8.89.
GuruFocus considers Creditwest Faktoring AS to be Significantly Overvalued.
Key valuation signals for IST:CRDFA:
3-Year ROIIC %: 12.55 (278% above median its 10-year median of 3.32)
GF Value™: ₺8.89 vs. price of ₺26.50 (198.1% above fair value)
Industry Position: 347.4% above the Credit Services median (#90 of 396)
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 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.
45GF Score
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