Is Finansal Kiralama Anonim Sirketi (IST:ISFIN)

Turkey · Delayed Price · Currency is TRY

16.06

-0.22 (-1.35%)

Nov 10, 2026, 4:10 PM GMT+3

IST:ISFIN Financials Overview

Financials in millions TRY. Fiscal year is January - December.

Millions TRY. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	6,829	4,595	3,874	2,916	1,039	271.76
Revenue Growth	46.53%	18.60%	32.85%	180.62%	282.39%	6.84%
Operating Income	5,150	2,844	3,212	2,076	620.6	183.84
Net Income	4,209	3,630	1,925	1,767	826.77	310.06
Earnings Per Share	6.05	5.22	2.77	2.54	1.19	0.45
EPS Growth	37.34%	88.53%	9.01%	113.61%	166.65%	59.26%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Financial Leasing	721.95	268.99	1,163	584.49	228.13	73.42
Factoring	2,028	1,660	1,149	1,438	516.63	127.19
Total	2,468	1,929	2,312	2,022	744.76	200.61

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	6,036	3,303	1,757	2,621	366.92	471.5
Total Debt	114,837	83,800	57,460	43,219	31,213	17,115
Net Cash (Debt)	-108,801	-80,497	-55,704	-40,598	-30,846	-16,643
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-156.48	-115.77	-80.11	-58.39	-44.36	-23.94

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-6,399	-9,730	-2,151	2,029	-1,751	-405.34
Capital Expenditures	18.63	-48.33	-101.88	-83.48	-30.94	-9.37
Free Cash Flow	-6,381	-9,778	-2,253	1,946	-1,782	-414.71
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	75.42%	61.89%	82.91%	71.19%	59.72%	67.65%
Pretax Margin	89.85%	122.78%	79.81%	97.97%	117.24%	178.36%
Profit Margin	61.63%	79.01%	49.69%	60.59%	79.56%	114.09%
FCF Margin	-93.44%	-212.82%	-58.15%	66.72%	-171.46%	-152.60%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	2.65	3.13	4.75	4.43	6.81	6.95
Forward PE	-	9.04	9.04	9.04	9.04	9.04
P/FCF Ratio	-	-	-	4.02	-	-
PS Ratio	1.66	2.47	2.36	2.68	5.42	7.93