RAYSG.IS
HoldUnloved QualityRay Sigorta Anonim Sirketi · Financial Services · Turkey · $441M · Avg Vol: $382K/d
Unloved Quality: Strong and cheap, but the market has not turned yet. Patience required.
50
StockRankGet insider-trade alerts
QualityQuality
76
ValueValue
60
MomentumMomentum
8
P/E (TTM)
6.0x
peers 5.3x
ROE
41.7%
peers 28.1%
D/E
0.0x
peers 1.1x
Dividend %
—
trailing yield
ABOUT RAY SIGORTA ANONIM SIRKETI
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Ray Sigorta Anonim Sirketi engages in the non-life insurance business in Turkey. The company offers personal accidents, casco, motor third party liability, travel, workplace, cyber security, health, and home insurance.
FINANCIAL SUMMARY (TRY)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 2.1B | 6.0B | 14.7B | 31.7B | 148.8% | 33.7B |
| EPS (TRY) | 1.00 | 6.00 | 14.00 | 23.00 | 184.4% | 22.05 |
| Shares | 163.1M | 163.1M | 163.1M | 163.1M | 0.0% | 163.1M |
| Debt | 7.6M | 4.6M | 2.2M | 24.0M | 46.4% | 22.0M |
| Equity | 901.2M | 2.0B | 4.4B | 8.5B | 110.9% | — |
| Op CF | 1.1B | -399.6M | 7.5B | 7.3B | 87.2% | -2.2B |
| Inv CF | 116.3M | 1.3B | 1.3B | 915.0M | — | — |
| Fin CF | -4.7M | -5.0M | -4.9M | -4.8M | — | — |
Loading 1Y...
PRICE (1Y)-19.0%
SMA 50SMA 200
Close
$2.67
RSI (14)
26.7
52W High
$5.67
From 52W High
-53.0%
SCORE BREAKDOWN
Quality
76
ROIC (ROA)
7.2%*79.7
ROE
41.7%96.6
GP/Assets
30.8%91.1
Op. Margin
15.7%32.5
FCF/Assets
n/mN/A
Piotroski
685.8
Int. Cover
—N/A
D/E Ratio
0.00x86.6
Current Ratio
1.14x34.7
Value
60
P/E (TTM)
6.0x86.2
EV/EBITDA
n/mN/A
P/FCF
n/mN/A
P/B
2.1x24.1
P/S
0.6x93.5
Div Yield
—N/A
Momentum
8
52W High %
47%6.1
RS 6M
-32%8.0
SMA 50/200
0.81x4.6
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
-25%13.5
FUNDAMENTALS
Market Cap
$441M
P/E (Forward)
—
Gross Margin
37.8%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of RAYSG.IS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| RAYSG.IS | Ray Sigorta Anonim Sirketi(you) | $441M | 50 | Hold |
| QUICK.IS | Quick Sigorta A.S. | $444M | 54 | Hold |
| AKGRT.IS | Aksigorta A.S. | $179M | 61 | Hold |
| AGESA.IS | AgeSA Hayat ve Emeklilik Anonim Sirketi | $867M | 85 | Strong Buy |
| ANSGR.IS | Anadolu Anonim Türk Sigorta Sirketi | $1.0B | 93 | Strong Buy |
| ISFIN.IS | Is Finansal Kiralama Anonim Sirketi | $261M | 51 | Hold |
| SKBNK.IS | Sekerbank T.A.S. | $276M | 48 | Hold |
| HEDEF.IS | Hedef Holding A.S | $781M | 42 | Hold |
| ISMEN.IS | Is Yatirim Menkul Degerler Anonim Sirketi | $1.0B | 54 | Hold |
| TRHOL.IS | Tera Finansal Yatirimlar Holding A.S. | $1.3B | 51 | Hold |
Peer medians: ROE 28.1% · P/E 5.3x · Gross margin 52.6%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.