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v0.1
ICBCT.IS$23.40-10.00%
Fair $23.40+0.0%

ICBCT.IS

ICBC Turkey Bank A.S.

Financial Services / Banks - RegionalIstanbul

$23.40

-2.60 (-10.00%)

Fairly Valued+0.0%Fair Value $23.40Fund rank 24/100 · Data gapFallback financials|
SA 43/C
F-Score: 6/9
High DebtLow Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 61.0/100

Data gap 24/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 40/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

43/100

C

Piotroski

6/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 2unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Debt-to-Equity ratio is 12.33, above the 2.0 threshold ROE is 1.8%, below the 5% threshold
Thesis & Journal · ICBCT.ISLocal privado en este navegador · ICBC Turkey Bank A.S.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$20.1B

P/E

14.8x

↑

EV/EBITDA

N/A

•

ROE

1.8%

↓

Gross Margin

N/A

•

Debt/Equity

12.33

↑
52-Week Range$23
$12$28

TradingView lightweight chart

ICBCT.IS price, volumen y niveles de valoración

Último $23.40Periodo +849.7%
Fair value: $23.40

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+6.0%

FCF CAGR

+43.3%

FCF margin

218.8%

FCF / Net income

91.99x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $3.59B · net income $85.4M · FCF $7.86B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

2.4%-44.2% pts

FCF margin

218.8%+130.1% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$3.59B$3.59B$1.63B$4.67B$3.01B
Net Income$85.4M$85.4M$21.5M$1.47B$1.40B
EPS0.100.100.031.711.63
Net Margin2.4%2.4%1.3%31.5%46.5%
Balance Sheet
Debt/Equity12.3312.3310.988.9010.25
Cash Flow
Free Cash Flow$7.86B$7.86B$-5.36B$13.79B$2.67B
Returns
ROE1.8%1.8%0.4%28.5%44.6%
Valuation
P/E14.8114.81576.809.856.31
P/B4.204.202.562.812.82
Growth & Yield
Revenue Growth120.1%120.1%-65.1%55.3%—
EPS Growth296.0%296.0%-98.5%5.2%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

175.8%

muy exigente

EPS terminal req.

$2.08

Spread vs growth

120.2%

5Y implied EPS CAGR

90.9%

muy exigente

EPS terminal req.

$2.51

Spread vs growth

205.1%

10Y implied EPS CAGR

44.9%

muy exigente

EPS terminal req.

$4.05

Spread vs growth

251.1%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +54.0%

Total return

+54.0%

Start / end P/E

607.6x → 236.4x

EPS bridge

0.03 → 0.10

Residual

-180.9%

EPS growth+296.0%
Multiple rerating-61.1%
Dividend+0.0%
Residual / FX / buybacks / cross-term-180.9%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.