Türkiye Is Bankasi A.S. (ISCTR.IS) stock analysis

In our weekly check, Türkiye Is Bankasi A.S. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 6.

About Türkiye Is Bankasi A.S.

Türkiye Is Bankasi A.S. is a Financial Services company (Banks - Regional), listed on IST as ISCTR.IS.

What our checks show for ISCTR.IS

Red flags

• The net margin fell by 6.6 points over 5 years, to 7.9%: the company keeps less of each sale as profit.
• The gross margin fell by 4.4 points, to 60.9%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 13.1% a year.
• Return on capital (ROCE) is only 2.2%.

Warning signs

• The net margin is only 7.9%: little room if costs rise.
• The price swings a lot: 37.7% annual volatility. Expect large ups and downs.
• The stock has fallen as much as 58% from a peak. Would you have held through that?

Strengths

• Operating cash flow is 3.57x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 47.9% a year over the next years.
• Analysts expect the net margin to improve by 20.8 points from today's 7.9%.
• Revenue grew 60.7% a year over the last 3 years.
• Free cash flow is 27.1% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 20% of profit: there is a cushion.

Next earnings report: 2026-11-09

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Questions

What grade does Türkiye Is Bankasi A.S. (ISCTR.IS) have?

In our weekly check, Türkiye Is Bankasi A.S. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of ISCTR.IS stock?

This week's biggest flags for Türkiye Is Bankasi A.S.: Margins falling, Gross margin falling, Weak revenue forecast. In total 9 of 25 checks show a warning or a red flag.

What does Türkiye Is Bankasi A.S. do?

Türkiye Is Bankasi A.S. is a Financial Services company (Banks - Regional), listed on IST as ISCTR.IS.

When does Türkiye Is Bankasi A.S. report earnings next?

The next earnings report is expected on 2026-11-09. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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