Isfin.Is
ISFIN.IS operates in the banking sector, providing corporate financial services, and generates revenue primarily through interest income and financial services fees.
Business. ISFIN.IS operates in the banking sector, providing corporate financial services, and generates revenue primarily through interest income and financial services fees.
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
ISFIN.IS operates in the banking sector, providing corporate financial services, and generates revenue primarily through interest income and financial services fees.
ISFIN.IS has a liquidity profile that is currently rated as medium, with a debt-to-equity ratio of 6.91, indicating a high reliance on debt financing. The company's free cash flow of 3,986,891,000 TRY suggests it has some capacity to service its debt and fund operations, although its operating cash flow is negative at -9,730,082,000 TRY, which may signal short-term liquidity pressures.
In terms of profitability, ISFIN.IS reports a return on equity of 30.06%, which is significantly higher than the typical benchmark for the banking industry, suggesting strong returns for shareholders. However, its return on assets of 3.59% is relatively modest, indicating that the company may not be utilizing its assets as efficiently as some of its peers.
The company's revenue is concentrated in a single business segment, as disclosed in its financial statements, with no significant geographic diversification reported. This lack of diversification could expose the company to higher risks if the local market experiences economic downturns or regulatory changes.
Looking at the growth trajectory, ISFIN.IS has demonstrated a strong operating income of 15,648,167,000 TRY, but the company's net income of 3,630,137,000 TRY is relatively low compared to its operating income, which may indicate high operating expenses or interest costs. The company's capital expenditure of -126,069,000 TRY suggests minimal investment in new assets, which could limit future growth potential.
The risk assessment for ISFIN.IS highlights a medium liquidity risk and a low dilution risk. The company's net cash position is negative after subtracting total debt, which could affect its ability to meet short-term obligations. However, the low dilution risk suggests that the company is not expected to issue additional shares in the near term, which is favorable for existing shareholders.
Recent events, as disclosed in the company's financial statements, include a significant increase in long-term debt to 83,431,495,000 TRY, which may be a result of strategic financing decisions or expansion plans. The company has not disclosed any major regulatory or legal issues in its recent filings, which is a positive sign for its operational stability.
- ISFIN.IS has a high debt-to-equity ratio, indicating a significant reliance on debt financing.
- The company's return on equity is strong, suggesting good profitability for shareholders.
- ISFIN.IS has a negative operating cash flow, which may signal short-term liquidity pressures.
- The company's revenue is concentrated in a single business segment, increasing its exposure to market risks.
- ISFIN.IS has a low dilution risk, which is favorable for existing shareholders.
- The company's capital expenditure is minimal, which could limit future growth potential.
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- Net cash is negative after subtracting total debt.
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Physical assets
2 tracked| Asset | Type | Commodity | Country | Role |
|---|---|---|---|---|
| ZERYA | Vessel | — | — | Registered owner |
| ZERYA | Vessel | — | — | Manager |
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- ISFIN.IS Market data — financials · 2026-05-28