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How does GARFA.IS make money? Does GARFA.IS have pricing power? What's the Earnings Whisper? Will GARFA.IS profit more as the business scales? What is GARFA.IS's management track record? Is GARFA.IS's current price justified?

Garanti Faktoring A.S.

TRY 27 -$0.44 (-1.60%)

IST · 15 Sep 2026 12:55 UTC

Previous Close

TRY 27.22

Day Range

TRY 26.86TRY 27.76

Year Range

TRY 23.72TRY 37.5

Market Cap

10.73B

AVG Volume

1.5M

Trailing/Forward PE

4.1/-

PEG ratio

0.08

Dividend Yield

Next Earnings Date

Primary Exchange

Istanbul Stock Exchange

Revenue (TRY)

GARFA.IS Revenue (TRY) by quarter
Period	Revenue (TRY)
26 Q2	4.16B
26 Q1	3.64B
25 Q4	3.19B
25 Q3	3.14B
25 Q2	2.69B
25 Q1	1.71B
24 Q4	1.45B
24 Q3	1.43B
24 Q2	1.53B
24 Q1	1.38B

Net Income (TRY)

GARFA.IS Net Income (TRY) by quarter
Period	Net Income (TRY)
26 Q2	772.75M
26 Q1	682.43M
25 Q4	546.34M
25 Q3	621.55M
25 Q2	552.73M
25 Q1	409.46M
24 Q4	358.06M
24 Q3	386.97M
24 Q2	414.06M
24 Q1	278.99M

Operating Income (TRY)

GARFA.IS Operating Income (TRY) by quarter
Period	Operating Income (TRY)
26 Q2	3.82B
26 Q1	969.65M
25 Q4	2.79B
25 Q3	2.9B
25 Q2	787.67M
25 Q1	585.11M
24 Q4	513.48M
24 Q3	552.14M
24 Q2	580.89M
24 Q1	400.31M

EBITDA (TRY)

GARFA.IS EBITDA (TRY) by quarter
Period	EBITDA (TRY)
26 Q2	3.86B
26 Q1	984.25M
25 Q4	5.48B
25 Q3	2.91B
25 Q2	798.34M
25 Q1	592.09M
24 Q4	519.29M
24 Q3	556.97M
24 Q2	584.94M
24 Q1	403.51M

Cash Flows (TRY)

GARFA.IS Cash Flows (TRY) by quarter
Period	Cash Flows (TRY)
26 Q2	-3.18B
26 Q1	-355.23M
25 Q4	-4.24B
25 Q3	-2.23B
25 Q2	-769.77M
25 Q1	-143.32M
24 Q4	331.36M
24 Q3	1.6B
24 Q2	964.88M
24 Q1	-816.41M

EPS (TRY)

GARFA.IS EPS (TRY) by quarter
Period	EPS (TRY)
26 Q2	1.94
26 Q1	1.72
25 Q4	1.37
25 Q3	1.56
25 Q2	1.39
25 Q1	1.03
24 Q4	0.9
24 Q3	0.97
24 Q2	1.04
24 Q1	0.7

Expenses (TRY)

GARFA.IS Expenses (TRY) by quarter
Period	Expenses (TRY)
26 Q2	0
26 Q1	2.4M
25 Q4	6.22M
25 Q3	3.58M
25 Q2	1.87M
25 Q1	1.46M
24 Q4	3.86M
24 Q3	1.86M
24 Q2	1.25M
24 Q1	1.18M

Cash & Debt (TRY)

GARFA.IS Cash & Debt (TRY) by quarter
Period	Cash & Debt (TRY)
26 Q2	1.14B
26 Q1	180.62M
25 Q4	903.09M
25 Q3	597.02M
25 Q2	166.63M
25 Q1	172.65M
24 Q4	48.57M
24 Q3	50.23M
24 Q2	47.95M
24 Q1	58.52M

Debt ratios

GARFA.IS Debt ratios by quarter
Period	Debt ratios
26 Q2	2.82
26 Q1	3.41
25 Q4	2.74
25 Q3	4.72
25 Q2	8.53
25 Q1	6.69
24 Q4	4.69
24 Q3	4.03
24 Q2	4.51
24 Q1	5.79

Margins

GARFA.IS Margins by quarter
Period	Margins
26 Q2	98.35%
26 Q1	32.9%
25 Q4	36.61%
25 Q3	98.88%
25 Q2	35.7%
25 Q1	44.68%
24 Q4	47.36%
24 Q3	46.48%
24 Q2	43.45%
24 Q1	39.88%

Return on Capital

GARFA.IS Return on Capital by quarter
Period	Return on Capital
26 Q2	11.43%
26 Q1	11.4%
25 Q4	10.3%
25 Q3	13.07%
25 Q2	13.37%
25 Q1	11.43%
24 Q4	11.29%
24 Q3	13.75%
24 Q2	17.06%
24 Q1	13.86%

Shares Outstanding

GARFA.IS Shares Outstanding by quarter
Period	Shares Outstanding
26 Q2	397.5M
26 Q1	397.5M
25 Q4	397.5M
25 Q3	397.5M
25 Q2	397.5M
25 Q1	397.5M
24 Q4	397.5M
24 Q3	397.5M
24 Q2	397.5M
24 Q1	397.5M

Book Value Per Share (TRY)

GARFA.IS Book Value Per Share (TRY) by quarter
Period	Book Value Per Share (TRY)
26 Q2	17
26 Q1	15.06
25 Q4	13.34
25 Q3	11.97
25 Q2	10.4
25 Q1	9.01
24 Q4	7.98
24 Q3	7.08
24 Q2	6.11
24 Q1	5.06

Total Assets (TRY)

GARFA.IS Total Assets (TRY) by quarter
Period	Total Assets (TRY)
26 Q2	45.76B
26 Q1	41.47B
25 Q4	33.55B
25 Q3	28.62B
25 Q2	25.83B
25 Q1	19.53B
24 Q4	13.3B
24 Q3	11.05B
24 Q2	11.14B
24 Q1	12.15B

PE Ratio

GARFA.IS PE Ratio by quarter
Period	PE Ratio
Sep 26	4.5
Sep 26	4.56
Sep 26	4.38
Aug 26	4.48
Aug 26	4.34
Aug 26	4.37
Aug 26	4.37
Jul 26	4.37
Jul 26	4.63
Jul 26	4.95
Jul 26	4.51
Jul 26	4.73
Jun 26	5.48
Jun 26	5.94
Jun 26	5.88
Jun 26	6.12
May 26	5.58
May 26	5.44
May 26	6.65
May 26	5.63
Apr 26	5.25
Apr 26	5.22
Apr 26	5.42
Apr 26	5.21
Apr 26	4.96
Mar 26	5.33
Mar 26	5.56
Mar 26	5.32
Mar 26	5.28
Feb 26	5.6
Feb 26	5.98
Feb 26	5.95
Feb 26	5.86
Jan 26	6.45
Jan 26	6.08
Jan 26	6.06
Jan 26	5.75
Jan 26	5.62
Dec 25	5.97
Dec 25	5.75
Dec 25	5.95
Dec 25	5.79
Nov 25	5.63
Nov 25	5.9
Nov 25	5.82
Nov 25	5.99
Oct 25	6.23
Oct 25	6.03
Oct 25	5.63
Oct 25	6.08
Oct 25	6.38
Sep 25	7.44
Sep 25	7.12
Sep 25	6.64
Sep 25	7.32
Aug 25	7.35
Aug 25	6.49
Aug 25	6.43
Aug 25	6.65
Aug 25	6.64
Jul 25	6.46
Jul 25	6.01
Jul 25	5.78
Jul 25	5.66
Jun 25	6.39
Jun 25	7.76
Jun 25	6.1
Jun 25	6.79
May 25	6.11
May 25	6.9
May 25	7.05
May 25	8.1
May 25	7.84
Apr 25	8
Apr 25	5.5
Apr 25	4.65
Apr 25	4.48
Mar 25	4.97
Mar 25	4.76
Mar 25	5.76
Mar 25	5.61
Feb 25	5.29
Feb 25	5.35
Feb 25	5.39
Feb 25	5.53
Jan 25	5.67
Jan 25	5.98
Jan 25	6.02
Jan 25	6.35
Jan 25	6.08
Dec 24	6.26
Dec 24	6.18
Dec 24	6.48
Dec 24	6.54
Nov 24	6.24
Nov 24	6.23
Nov 24	6.19
Nov 24	6.19
Nov 24	6.04
Oct 24	6.03

Free Cash Flow Yield

GARFA.IS Free Cash Flow Yield by quarter
Period	Free Cash Flow Yield
Sep 26	-70.22%
Sep 26	-69.4%
Sep 26	-72.24%
Aug 26	-70.58%
Aug 26	-72.79%
Aug 26	-72.4%
Aug 26	-72.4%
Jul 26	-72.35%
Jul 26	-68.36%
Jul 26	-63.84%
Jul 26	-70.12%
Jul 26	-66.79%
Jun 26	-63.24%
Jun 26	-58.39%
Jun 26	-58.95%
Jun 26	-56.65%
May 26	-62.14%
May 26	-63.76%
May 26	-52.11%
May 26	-61.61%
Apr 26	-66.08%
Apr 26	-66.41%
Apr 26	-63.94%
Apr 26	-66.55%
Apr 26	-69.9%
Mar 26	-27.17%
Mar 26	-26.07%
Mar 26	-27.21%
Mar 26	-27.44%
Feb 26	-25.86%
Feb 26	-24.23%
Feb 26	-24.33%
Feb 26	-24.72%
Jan 26	-22.46%
Jan 26	-23.82%
Jan 26	-23.92%
Jan 26	-25.18%
Jan 26	-25.78%
Dec 25	10%
Dec 25	10.38%
Dec 25	10.04%
Dec 25	10.3%
Nov 25	10.59%
Nov 25	10.11%
Nov 25	10.25%
Nov 25	9.96%
Oct 25	9.59%
Oct 25	9.9%
Oct 25	10.59%
Oct 25	9.82%
Oct 25	9.36%
Sep 25	23.61%
Sep 25	24.65%
Sep 25	26.44%
Sep 25	23.99%
Aug 25	23.89%
Aug 25	27.06%
Aug 25	27.29%
Aug 25	26.38%
Aug 25	26.44%
Jul 25	27.17%
Jul 25	29.23%
Jul 25	30.36%
Jul 25	31.04%
Jun 25	22.64%
Jun 25	18.65%
Jun 25	23.7%
Jun 25	21.29%
May 25	23.68%
May 25	20.95%
May 25	20.51%
May 25	17.86%
May 25	18.44%
Apr 25	18.07%
Apr 25	26.29%
Apr 25	31.1%
Apr 25	32.31%
Mar 25	-10.24%
Mar 25	-10.69%
Mar 25	-8.82%
Mar 25	-9.07%
Feb 25	-9.61%
Feb 25	-9.51%
Feb 25	-9.43%
Feb 25	-9.2%
Jan 25	-8.97%
Jan 25	-8.5%
Jan 25	-8.44%
Jan 25	-8%
Jan 25	-8.36%
Dec 24	-41.11%
Dec 24	-41.66%
Dec 24	-39.75%
Dec 24	-39.36%
Nov 24	-41.26%
Nov 24	-41.34%
Nov 24	-41.55%
Nov 24	-41.55%
Nov 24	-42.6%
Oct 24	-42.66%

Price to Sales

GARFA.IS Price to Sales by quarter
Period	Price to Sales
Sep 26	0.85
Sep 26	0.86
Sep 26	0.83
Aug 26	0.85
Aug 26	0.82
Aug 26	0.83
Aug 26	0.83
Jul 26	0.83
Jul 26	0.88
Jul 26	0.94
Jul 26	0.86
Jul 26	0.9
Jun 26	1.09
Jun 26	1.18
Jun 26	1.17
Jun 26	1.22
May 26	1.11
May 26	1.08
May 26	1.32
May 26	1.12
Apr 26	1.04
Apr 26	1.04
Apr 26	1.08
Apr 26	1.03
Apr 26	0.98
Mar 26	1.15
Mar 26	1.2
Mar 26	1.15
Mar 26	1.14
Feb 26	1.21
Feb 26	1.29
Feb 26	1.29
Feb 26	1.27
Jan 26	1.39
Jan 26	1.31
Jan 26	1.31
Jan 26	1.24
Jan 26	1.21
Dec 25	1.4
Dec 25	1.35
Dec 25	1.4
Dec 25	1.36
Nov 25	1.32
Nov 25	1.39
Nov 25	1.37
Nov 25	1.41
Oct 25	1.46
Oct 25	1.41
Oct 25	1.32
Oct 25	1.43
Oct 25	1.5
Sep 25	1.91
Sep 25	1.83
Sep 25	1.7
Sep 25	1.88
Aug 25	1.89
Aug 25	1.66
Aug 25	1.65
Aug 25	1.71
Aug 25	1.7
Jul 25	1.66
Jul 25	1.54
Jul 25	1.48
Jul 25	1.45
Jun 25	1.59
Jun 25	1.93
Jun 25	1.52
Jun 25	1.69
May 25	1.52
May 25	1.72
May 25	1.75
May 25	2.01
May 25	1.95
Apr 25	1.99
Apr 25	1.37
Apr 25	1.16
Apr 25	1.11
Mar 25	1.18
Mar 25	1.13
Mar 25	1.37
Mar 25	1.34
Feb 25	1.26
Feb 25	1.27
Feb 25	1.28
Feb 25	1.32
Jan 25	1.35
Jan 25	1.43
Jan 25	1.44
Jan 25	1.51
Jan 25	1.45
Dec 24	1.48
Dec 24	1.46
Dec 24	1.53
Dec 24	1.54
Nov 24	1.47
Nov 24	1.47
Nov 24	1.46
Nov 24	1.46
Nov 24	1.43
Oct 24	1.42

EV/EBITDA

GARFA.IS EV/EBITDA by quarter
Period	EV/EBITDA
Sep 26	4.48
Sep 26	4.49
Sep 26	4.45
Aug 26	4.47
Aug 26	4.44
Aug 26	4.45
Aug 26	4.45
Jul 26	4.45
Jul 26	4.51
Jul 26	4.58
Jul 26	4.48
Jul 26	4.53
Jun 26	3.94
Jun 26	4.04
Jun 26	4.02
Jun 26	4.08
May 26	3.96
May 26	3.93
May 26	4.19
May 26	3.97
Apr 26	3.89
Apr 26	3.88
Apr 26	3.92
Apr 26	3.88
Apr 26	3.82
Mar 26	6.87
Mar 26	6.96
Mar 26	6.86
Mar 26	6.85
Feb 26	6.98
Feb 26	7.13
Feb 26	7.12
Feb 26	7.08
Jan 26	7.32
Jan 26	7.17
Jan 26	7.16
Jan 26	7.04
Jan 26	6.98
Dec 25	12.66
Dec 25	12.51
Dec 25	12.64
Dec 25	12.54
Nov 25	12.43
Nov 25	12.62
Nov 25	12.56
Nov 25	12.68
Oct 25	12.84
Oct 25	12.7
Oct 25	12.43
Oct 25	12.73
Oct 25	12.94
Sep 25	11.86
Sep 25	11.65
Sep 25	11.31
Sep 25	11.78
Aug 25	11.8
Aug 25	11.2
Aug 25	11.17
Aug 25	11.32
Aug 25	11.31
Jul 25	11.19
Jul 25	10.87
Jul 25	10.71
Jul 25	10.63
Jun 25	9.14
Jun 25	10.1
Jun 25	8.94
Jun 25	9.43
May 25	8.95
May 25	9.5
May 25	9.61
May 25	10.33
May 25	10.16
Apr 25	10.27
Apr 25	8.53
Apr 25	7.93
Apr 25	7.81
Mar 25	7.45
Mar 25	7.31
Mar 25	8
Mar 25	7.89
Feb 25	7.67
Feb 25	7.71
Feb 25	7.74
Feb 25	7.83
Jan 25	7.93
Jan 25	8.15
Jan 25	8.18
Jan 25	8.4
Jan 25	8.22
Dec 24	8.77
Dec 24	8.71
Dec 24	8.91
Dec 24	8.96
Nov 24	8.75
Nov 24	8.74
Nov 24	8.72
Nov 24	8.72
Nov 24	8.62
Oct 24	8.61

Price/Operating Cashflow

GARFA.IS Price/Operating Cashflow by quarter
Period	Price/Operating Cashflow
Dec 25	10
Dec 25	9.64
Dec 25	9.96
Dec 25	9.71
Nov 25	9.44
Nov 25	9.89
Nov 25	9.75
Nov 25	10.04
Oct 25	10.43
Oct 25	10.1
Oct 25	9.44
Oct 25	10.18
Oct 25	10.68
Sep 25	4.24
Sep 25	4.06
Sep 25	3.78
Sep 25	4.17
Aug 25	4.19
Aug 25	3.7
Aug 25	3.66
Aug 25	3.79
Aug 25	3.78
Jul 25	3.68
Jul 25	3.42
Jul 25	3.29
Jul 25	3.22
Jun 25	4.42
Jun 25	5.36
Jun 25	4.22
Jun 25	4.7
May 25	4.22
May 25	4.77
May 25	4.88
May 25	5.6
May 25	5.42
Apr 25	5.53
Apr 25	3.8
Apr 25	3.22
Apr 25	3.1
Mar 24	9.24
Mar 24	10.26
Mar 24	8.81
Mar 24	9.22
Mar 24	9.64
Feb 24	9.5
Feb 24	7.53
Feb 24	6.14
Feb 24	5.83
Jan 24	6.31
Jan 24	6.59
Jan 24	5.29
Jan 24	4.91
Dec 23	4.12
Dec 23	2.37
Dec 23	2.51
Dec 23	2.39
Dec 23	2.36
Nov 23	2.56
Nov 23	2.29
Nov 23	2.31
Nov 23	2.29
Oct 23	2.59
Oct 23	2.44
Oct 23	2.33
Oct 23	2.55
Sep 23	2.66
Sep 23	8.1
Sep 23	7.27
Sep 23	7.86
Sep 23	8.37
Aug 23	8.51
Aug 23	8.11
Aug 23	7.05
Aug 23	5.94
Jul 23	4.73
Jul 23	3.95
Jul 23	4.09
Jul 23	3.88
Jun 23	28.87
Jun 23	23.86
Jun 23	19.85
Jun 23	17.96
Jun 23	16.7
May 23	15.43
May 23	14.78
May 23	14.74
May 23	13.75
Apr 23	15.15
Apr 23	14.98
Apr 23	16.04
Apr 23	14.13
Mar 23	14.16
Jun 22	5.57
Jun 22	5.81
Jun 22	5.57
Jun 22	5.47
May 22	5.57
May 22	5.79
May 22	5.91
May 22	5.99

Price to Book

GARFA.IS Price to Book by quarter
Period	Price to Book
Sep 26	1.81
Sep 26	1.83
Sep 26	1.76
Aug 26	1.8
Aug 26	1.74
Aug 26	1.75
Aug 26	1.75
Jul 26	1.75
Jul 26	1.86
Jul 26	1.99
Jul 26	1.81
Jul 26	1.9
Jun 26	2.2
Jun 26	2.39
Jun 26	2.36
Jun 26	2.46
May 26	2.24
May 26	2.18
May 26	2.67
May 26	2.26
Apr 26	2.11
Apr 26	2.1
Apr 26	2.18
Apr 26	2.09
Apr 26	1.99
Mar 26	2.18
Mar 26	2.27
Mar 26	2.17
Mar 26	2.15
Feb 26	2.29
Feb 26	2.44
Feb 26	2.43
Feb 26	2.39
Jan 26	2.63
Jan 26	2.48
Jan 26	2.47
Jan 26	2.35
Jan 26	2.29
Dec 25	2.46
Dec 25	2.37
Dec 25	2.46
Dec 25	2.39
Nov 25	2.33
Nov 25	2.44
Nov 25	2.4
Nov 25	2.47
Oct 25	2.57
Oct 25	2.49
Oct 25	2.33
Oct 25	2.51
Oct 25	2.63
Sep 25	3.26
Sep 25	3.12
Sep 25	2.91
Sep 25	3.2
Aug 25	3.22
Aug 25	2.84
Aug 25	2.82
Aug 25	2.91
Aug 25	2.91
Jul 25	2.83
Jul 25	2.63
Jul 25	2.53
Jul 25	2.48
Jun 25	2.9
Jun 25	3.52
Jun 25	2.77
Jun 25	3.08
May 25	2.77
May 25	3.13
May 25	3.2
May 25	3.67
May 25	3.56
Apr 25	3.63
Apr 25	2.49
Apr 25	2.11
Apr 25	2.03
Mar 25	2.35
Mar 25	2.25
Mar 25	2.72
Mar 25	2.65
Feb 25	2.5
Feb 25	2.53
Feb 25	2.55
Feb 25	2.61
Jan 25	2.68
Jan 25	2.83
Jan 25	2.85
Jan 25	3
Jan 25	2.88
Dec 24	3.24
Dec 24	3.2
Dec 24	3.35
Dec 24	3.39
Nov 24	3.23
Nov 24	3.22
Nov 24	3.21
Nov 24	3.21
Nov 24	3.13
Oct 24	3.12

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