Creditwest Faktoring Anonim Sirketi (IST:CRDFA)

IST:CRDFA Statistics

Total Valuation

IST:CRDFA has a market cap or net worth of TRY 2.14 billion. The enterprise value is 3.42 billion.

Market Cap	2.14B
Enterprise Value	3.42B

Important Dates

The next estimated earnings date is Thursday, October 30, 2025.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	n/a

Share Statistics

IST:CRDFA has 100.00 million shares outstanding.

Current Share Class	59.20M
Shares Outstanding	100.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	0.02%
Float	30.15M

Valuation Ratios

The trailing PE ratio is 9.82.

PE Ratio	9.82
Forward PE	n/a
PS Ratio	2.54
PB Ratio	3.07
P/TBV Ratio	3.07
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.07, with an EV/FCF ratio of -6.48.

EV / Earnings	15.71
EV / Sales	4.07
EV / EBITDA	5.07
EV / EBIT	5.14
EV / FCF	-6.48

Financial Position

The company has a current ratio of 1.28, with a Debt / Equity ratio of 1.93.

Current Ratio	1.28
Quick Ratio	1.27
Debt / Equity	1.93
Debt / EBITDA	1.99
Debt / FCF	-2.55
Interest Coverage	1.43

Financial Efficiency

Return on equity (ROE) is 37.97% and return on invested capital (ROIC) is 26.12%.

Return on Equity (ROE)	37.97%
Return on Assets (ROA)	25.22%
Return on Invested Capital (ROIC)	26.12%
Return on Capital Employed (ROCE)	88.48%
Revenue Per Employee	21.58M
Profits Per Employee	5.59M
Employee Count	41
Asset Turnover	0.51
Inventory Turnover	n/a

Taxes

In the past 12 months, IST:CRDFA has paid 66.30 million in taxes.

Income Tax	66.30M
Effective Tax Rate	23.33%

Stock Price Statistics

The stock price has increased by +227.53% in the last 52 weeks. The beta is 0.24, so IST:CRDFA's price volatility has been lower than the market average.

Beta (5Y)	0.24
52-Week Price Change	+227.53%
50-Day Moving Average	16.54
200-Day Moving Average	10.26
Relative Strength Index (RSI)	62.29
Average Volume (20 Days)	1,697,713

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, IST:CRDFA had revenue of TRY 841.60 million and earned 217.93 million in profits.

Revenue	841.60M
Gross Profit	801.65M
Operating Income	668.09M
Pretax Income	284.23M
Net Income	217.93M
EBITDA	671.51M
EBIT	668.09M
Earnings Per Share (EPS)	n/a

Balance Sheet

The company has 63.88 million in cash and 1.35 billion in debt, giving a net cash position of -1.28 billion or -12.84 per share.

Cash & Cash Equivalents	63.88M
Total Debt	1.35B
Net Cash	-1.28B
Net Cash Per Share	-12.84
Equity (Book Value)	697.70M
Book Value Per Share	n/a
Working Capital	378.81M

Cash Flow

In the last 12 months, operating cash flow was -504.74 million and capital expenditures -23.23 million, giving a free cash flow of -527.97 million.

Operating Cash Flow	-504.74M
Capital Expenditures	-23.23M
Free Cash Flow	-527.97M
FCF Per Share	-5.28

Margins

Gross margin is 95.25%, with operating and profit margins of 79.38% and 25.89%.

Gross Margin	95.25%
Operating Margin	79.38%
Pretax Margin	33.77%
Profit Margin	25.89%
EBITDA Margin	79.79%
EBIT Margin	79.38%
FCF Margin	n/a

Dividends & Yields

IST:CRDFA does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	10.18%
FCF Yield	-24.67%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number	n/a
Graham Upside	n/a

Stock Splits

The last stock split was on October 18, 2022. It was a forward split with a ratio of 1.25.

Last Split Date	Oct 18, 2022
Split Type	Forward
Split Ratio	1.25

Scores

Altman Z-Score	n/a
Piotroski F-Score	2