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Is Finansal Kiralama A.S. (TR:ISFIN)
:ISFIN
Turkey Market
ISFIN
Is Finansal Kiralama A.S.
RESEARCH TOOLSreports

Is Finansal Kiralama A.S. (ISFIN) Ratios

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Is Finansal Kiralama A.S. Ratios

TR:ISFIN's free cash flow for Q2 2026 was ₺0.35. For the 2026 fiscal year, TR:ISFIN's free cash flow was decreased by ₺ and operating cash flow was ₺0.24. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 14.85 0.66 83.19 75.09 29.07
Quick Ratio
 14.85 0.66 83.19 75.09 29.07
Cash Ratio
 3.58 0.02 2.58 7.47 0.63
Solvency Ratio
 0.04 0.04 0.03 0.04 0.03
Operating Cash Flow Ratio
 -9.52 -0.23 -4.76 6.03 -3.04
Short-Term Operating Cash Flow Coverage
 0.00 -0.23 0.00 0.00 0.00
Net Current Asset Value
₺ -98.39B₺ -43.71B₺ -22.32B₺ -19.53B₺ -15.86B
Leverage Ratios
Debt-to-Assets Ratio
 0.84 0.80 0.82 0.84 0.86
Debt-to-Equity Ratio
 7.55 6.72 6.46 7.09 9.07
Debt-to-Capital Ratio
 0.88 0.87 0.87 0.88 0.90
Long-Term Debt-to-Capital Ratio
 0.88 0.87 0.87 0.88 0.90
Financial Leverage Ratio
 8.94 8.38 7.88 8.46 10.58
Debt Service Coverage Ratio
 0.70 0.22 0.25 0.40 0.44
Interest Coverage Ratio
 0.79 1.41 0.36 0.56 0.57
Debt to Market Cap
 8.74 13.25 6.27 5.52 5.53
Interest Debt Per Share
 175.70 136.46 94.89 69.51 47.86
Net Debt to EBITDA
 7.56 4.12 17.93 14.13 24.95
Profitability Margins
Gross Profit Margin
61.39%98.43%33.81%42.45%46.96%
EBIT Margin
53.30%90.78%23.64%32.13%30.35%
EBITDA Margin
53.54%91.01%23.91%32.40%30.73%
Operating Profit Margin
53.30%90.78%23.64%32.13%30.35%
Pretax Profit Margin
23.74%26.52%23.64%32.13%30.35%
Net Profit Margin
16.15%17.07%14.72%19.87%20.60%
Continuous Operations Profit Margin
17.75%19.10%16.39%22.71%23.00%
Net Income Per EBT
68.03%64.35%62.26%61.85%67.86%
EBT Per EBIT
44.54%29.22%100.00%100.00%100.00%
Return on Assets (ROA)
3.28%3.59%2.76%3.43%2.28%
Return on Equity (ROE)
32.56%30.06%21.75%28.98%24.08%
Return on Capital Employed (ROCE)
10.90%56.67%4.46%5.58%3.41%
Return on Invested Capital (ROIC)
8.15%13.74%3.09%3.94%2.58%
Return on Tangible Assets
3.29%3.59%2.76%3.43%2.28%
Earnings Yield
33.98%31.93%21.09%22.59%14.68%
Efficiency Ratios
Receivables Turnover
 46.95 0.57 0.37 0.40 0.26
Payables Turnover
 25.32 0.39 19.16 15.22 3.70
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 352.48 414.80 308.34 260.14 86.24
Asset Turnover
 0.20 0.21 0.19 0.17 0.11
Working Capital Turnover Ratio
 2.90 3.03 0.42 0.43 0.34
Cash Conversion Cycle
 -6.64 -290.62 956.27 883.05 1.31K
Days of Sales Outstanding
 7.77 637.53 975.32 907.04 1.41K
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 14.42 928.15 19.05 23.99 98.64
Operating Cycle
 7.77 637.53 975.32 907.04 1.41K
Cash Flow Ratios
Operating Cash Flow Per Share
 -9.82 -21.93 -3.10 2.92 -2.52
Free Cash Flow Per Share
 -9.86 -22.03 -3.10 2.92 -2.59
CapEx Per Share
 0.03 0.10 0.00 0.00 0.07
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.03
Dividend Paid and CapEx Coverage Ratio
 -281.04 -210.61 0.00 0.00 -37.49
Capital Expenditure Coverage Ratio
 -281.04 -210.61 0.00 0.00 -37.49
Operating Cash Flow Coverage Ratio
 -0.07 -0.19 -0.04 0.05 -0.06
Operating Cash Flow to Sales Ratio
 -0.27 -0.72 -0.16 0.23 -0.44
Free Cash Flow Yield
-57.01%-134.77%-23.57%25.94%-31.92%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 2.94 3.13 4.75 4.43 6.81
Price-to-Sales (P/S) Ratio
 0.48 0.53 0.70 0.88 1.40
Price-to-Book (P/B) Ratio
 0.86 0.94 1.03 1.28 1.64
Price-to-Free Cash Flow (P/FCF) Ratio
 -1.75 -0.74 -4.24 3.85 -3.13
Price-to-Operating Cash Flow Ratio
 -1.76 -0.75 -4.24 3.85 -3.22
Price-to-Earnings Growth (PEG) Ratio
 0.05 0.04 0.52 0.04 0.04
Price-to-Fair Value
 0.86 0.94 1.03 1.28 1.64
Enterprise Value Multiple
 8.45 4.71 20.84 16.84 29.52
Enterprise Value
 114.58B 91.12B 65.17B 48.52B 36.41B
EV to EBITDA
 8.45 4.71 20.84 16.84 29.52
EV to Sales
 4.52 4.28 4.98 5.46 9.07
EV to Free Cash Flow
 -16.71 -5.95 -30.30 23.91 -20.26
EV to Operating Cash Flow
 -16.77 -5.98 -30.30 23.91 -20.80
Tangible Book Value Per Share
 22.06 19.22 14.10 9.70 5.37
Shareholders’ Equity Per Share
 20.01 17.37 12.75 8.77 4.94
Tax and Other Ratios
Effective Tax Rate
 0.25 0.28 0.31 0.29 0.24
Revenue Per Share
 36.41 30.59 18.84 12.79 5.77
Net Income Per Share
 5.88 5.22 2.77 2.54 1.19
Tax Burden
 0.68 0.64 0.62 0.62 0.68
Interest Burden
 0.45 0.29 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 -3.36 -4.20 0.00 0.00 -2.12
Currency in TRY