Creditwest Faktoring AS (IST:CRDFA) Scaled Net Operating Assets: 1.15 (As of Dec. 2025)

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IST:CRDFA Creditwest Faktoring AS IST:CRDFA
44 GF Score
Price ₺37.44
GF Value ₺8.74
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is Creditwest Faktoring AS Scaled Net Operating Assets?

Creditwest Faktoring AS IST:CRDFA +0.92% 44 Scaled Net Operating Assets is 1.15 as of Dec. 2025. GuruFocus rates IST:CRDFA with a GF Score™ of 44/100 and a GF Value™ of ₺8.74 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Creditwest Faktoring AS's operating assets for the quarter that ended in Dec. 2025 was ₺2,361.6 Mil. Creditwest Faktoring AS's operating liabilities for the quarter that ended in Dec. 2025 was ₺88.2 Mil. Creditwest Faktoring AS's Total Assets for the quarter that ended in Mar. 2025 was ₺1,970.0 Mil. Therefore, Creditwest Faktoring AS's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 1.15.


Creditwest Faktoring AS Scaled Net Operating Assets Historical Data

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The historical data trend for Creditwest Faktoring AS's Scaled Net Operating Assets 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 Scaled Net Operating Assets Chart

Creditwest Faktoring AS Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Scaled Net Operating Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.31 1.15 1.29 1.41 1.57

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
Scaled Net Operating Assets 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 0.93 0.99 1.06 1.22 1.15

IST:CRDFA vs V, MA, AXP: Scaled Net Operating Assets Comparison

For the Credit Services subindustry, Creditwest Faktoring AS's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Creditwest Faktoring AS's Scaled Net Operating Assets distribution charts can be found below:

* The bar in red indicates where Creditwest Faktoring AS's Scaled Net Operating Assets falls into.


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

Creditwest Faktoring AS Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Creditwest Faktoring AS's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2361.629-88.22)/1453.017
=1.56

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=3217.373 - 855.744
=2361.629

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1757.086 - 5.925 - 1662.941
=88.22

Creditwest Faktoring AS's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Mar. 2025 )
=(2361.629-88.22)/1969.98
=1.15

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=3217.373 - 855.744
=2361.629

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=1757.086 - 5.925 - 1662.941
=88.22

* 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.

What does a Scaled Net Operating Assets of 1.15 mean?
Creditwest Faktoring AS (IST:CRDFA) has a Scaled Net Operating Assets of 1.15 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Creditwest Faktoring AS and its competitors.
Is Creditwest Faktoring AS's Scaled Net Operating Assets too high?
Creditwest Faktoring AS's current Scaled Net Operating Assets is 1.15. 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 Scaled Net Operating Assets compare to V and MA?
Creditwest Faktoring AS's Scaled Net Operating Assets of 1.15 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 Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Creditwest Faktoring AS and its competitors. Creditwest Faktoring AS's current Scaled Net Operating Assets is 1.15. 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 ₺8.74, compared to a current price of ₺37.44 — trading 328.4% above its estimated fair value. The current Scaled Net Operating Assets is 1.15. Creditwest Faktoring AS's overall GF Score™ is 44/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Creditwest Faktoring AS (IST:CRDFA), the current Scaled Net Operating Assets is 1.15 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 ₺37.44 is trading 328.4% above its estimated GF Value™ of ₺8.74. GuruFocus considers Creditwest Faktoring AS to be Significantly Overvalued.

Key valuation signals for IST:CRDFA:

  • Scaled Net Operating Assets: 1.15
  • GF Value™: ₺8.74 vs. price of ₺37.44 (328.4% above fair value)
  • GF Score™: 44/100 with 6 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

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

₺37.44
Price
₺8.74
GF Value