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Creditwest Faktoring A.S.

Creditwest Faktoring A.S.

BBIST:CRDFA
10.25
TRY
-1.13
(-9.93%)
0.73EPS
4.54P/E
989.00MMarket Cap
Creditwest Faktoring A.S.
BIST:CRDFA
(Istanbul Exchange)

Recent

price

10.25

P/E

ratio

4.54

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
TRY
0.02
0.02
0.03
0.52
0.36
0.42
0.45
0.44
0.49
0.35
0.2
0.32
0.49
1.03
2.12
3.45
2.81
Revenue per Share
0.01
0.01
0.01
0.14
0.08
0.09
0.08
0.08
0.08
0.08
0.05
0.05
0.09
0.22
0.4
3.05
0.73
Basic EPS, GAAP
-0.01
-0.03
- -
-0.4
-0.41
-0.07
0.2
0.19
1.1
-0.09
0.42
-0.12
-0.11
0.16
-0.95
-3.8
-1.68
Free Cash Flow per Basic Share
- -
- -
- -
0.08
0.05
0.1
0.08
0.07
0.14
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.03
0.36
0.43
0.46
0.5
0.49
0.5
0.5
0.44
0.51
0.57
0.76
0.87
1.25
1.69
4.87
- -
Book Value per Share
0.03
0.36
0.43
0.46
0.5
0.49
0.5
0.5
0.44
0.51
0.56
0.76
0.87
1.25
1.69
4.87
- -
Tangible Book Value per Share
3,000
3,000
3,000
169
300
300
300
300
300
300
300
300
325
300
300
300
300
Basic Weighted Avg Shares
59
56
103
87
107
125
135
132
148
106
60
97
159
310
637
1,035
842
Sales/Revenue/Turnover
45.29
57.56
36.8
39.18
29.74
28.29
24.64
23.19
20.76
27.71
14.92
16.19
26.14
29.61
25.83
25.04
24.59
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
1
1
1
3
9
12
11
Depreciation Expense
26
25
30
24
25
27
25
23
24
23
15
14
30
66
119
916
218
Net Income, GAAP
20.17
20.79
19.36
20.57
20.51
20.31
20.13
20.13
22.45
22.19
12.1
22.96
26.79
30.84
30.29
8.57
23.33
Effective Tax Rate (%)
43.62
44.92
29.45
27.42
23.46
21.82
18.83
17.41
16.07
21.81
25.63
14
19
21.34
18.73
88.53
25.89
Profit Margin (%)
366
- -
145
122
131
143
312
178
256
112
102
122
102
206
362
1,248
- -
Working Capital
275
- -
10
439
580
618
162
24
127
2
3
2
2
7
10
6
- -
LT Debt
93
118
141
139
150
148
150
151
131
154
170
227
260
376
508
1,460
- -
Total Equity
8.81
10.5
9.58
3.05
2.15
2.01
2.4
3.31
4.31
5.39
1.81
2.37
4.53
7.79
9.87
39.61
- -
Return on Invested Capital (%)
8.85
10.25
14.76
3.98
5.95
5.71
7.72
11.45
16.74
15.05
10.18
11.92
14.26
20.93
10.29
40.54
- -
Return on Capital (%)
34.93
25.87
25.52
17.79
17.34
18.23
17.05
15.28
16.84
16.27
9.51
6.82
12.38
20.77
27
93.09
- -
Return on Common Equity (%)

Capital Structure

TRY

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
872
1,274
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
10
8
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
300
300
300
Market Capitalization
613
690
989

Working Capital

TRY

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
1,257
1,725
- -
Cash, Cash Equivalents & STI
41
108
- -
Accounts Receivable, Net
1,305
1,728
- -
Inventories
- -
- -
- -
Total Current Liabilities
894
1,319
- -
Payables & Accruals
- -
- -
- -
ST Debt
872
1,274
- -
Deferred Revenue
- -
- -
- -

Growth Rates

TRY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
33.19%
63.09%
187.36%
Free Cash Flow
-136.48%
-152.3%
298.8%
Net Income, GAAP
92.93%
195.61%
667.51%
Sales/Revenue/Turnover
33.48%
77.68%
62.35%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
130
158
163
186
637
2025
230
262
- -
- -
1,035
2026
306
361
- -
- -
- -

Quarterly Earnings Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.1
0.12
0.13
0.05
0.4
2025
0.24
0.31
- -
- -
3.05
2026
1.26
3.98
- -
- -
- -

Quarterly Dividends Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Creditwest Faktoring A.S. is a Turkey-based non-bank financial institution that provides comprehensive domestic and international factoring, trade finance, and receivables management solutions to small and medium-sized enterprises (SMEs) as well as large corporate clients. Founded in 1994 and headquartered in Istanbul, Turkey, the company operates as a key financial services subsidiary of Altinbas Holding. Creditwest Faktoring trades publicly on Borsa Istanbul under the ticker symbol CRDFA and is a constituent of the BIST Financials and BIST Corporate Governance indices. The company specializes in liquidity and credit risk solutions structured around cross-border and domestic commerce. Its primary product and service portfolio includes domestic factoring for local supplier-buyer transactions; export factoring facilitating cross-border trade without requiring collateral; import factoring providing guarantees and financing against foreign procurement; recourse factoring where credit risk remains with the assignor; non-recourse factoring offering complete default protection against debtor insolvency; supplier financing and reverse factoring arrangements designed to optimize supply chain working capital; receivables and collection management services encompassing debtor credit evaluation, ledger administration, and structured payment collection; and pre-financing against commercial invoices and negotiable instruments. Creditwest Faktoring delivers these services across diverse industries, including automotive, textiles and apparel, food and beverage, construction and building materials, chemicals, tourism, consumer goods, and paper and forestry products. In recent corporate and financial developments, Creditwest Faktoring completed a major capital enhancement by executing a 200 percent bonus share capital increase, raising its paid-in capital from TRY 100 million to TRY 300 million through internal resources and extraordinary reserves following approval from the Capital Markets Board of Turkey. The company actively maintains a multi-tranche debt issuance program, regularly issuing Turkish Lira Overnight Reference Rate (TLREF) indexed and fixed-rate short-term financing bills and commercial paper to qualified institutional investors to support working capital growth and diversify funding structures. Additionally, Creditwest Faktoring updated its board and executive leadership structure, appointing Altug Altinbas Surer as Chairman of the Board and Haluk Levent Unal as Vice Chairman, alongside independent board directorship appointments to strengthen corporate governance and institutional oversight under periodic credit rating reviews by JCR Eurasia Rating.