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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 26.9 -$0.54 (-1.97%)

IST · 15 Sep 2026 13:56 UTC

Previous Close

TRY 27.22

Day Range

TRY 26.86TRY 27.76

Year Range

TRY 23.72TRY 37.5

Market Cap

10.69B

AVG Volume

1.5M

Trailing/Forward PE

4.08/-

PEG ratio

0.08

Dividend Yield

Next Earnings Date

Primary Exchange

Istanbul Stock Exchange

Revenue (TRY)

GARFA.IS Revenue (TRY) by year
Period	Revenue (TRY)
2025	10.73B
2024	5.78B
2023	3.98B
2022	1.38B
2021	701.92M
2020	394.66M
2019	404.6M
2018	501.75M
2017	336.72M
2016	332.9M

Net Income (TRY)

GARFA.IS Net Income (TRY) by year
Period	Net Income (TRY)
2025	2.13B
2024	1.44B
2023	1.05B
2022	350.74M
2021	131.94M
2020	50.15M
2019	16.48M
2018	-46.96M
2017	27.6M
2016	19.72M

Operating Income (TRY)

GARFA.IS Operating Income (TRY) by year
Period	Operating Income (TRY)
2025	7.06B
2024	2.05B
2023	1.48B
2022	464.5M
2021	167.03M
2020	64.67M
2019	31.03M
2018	-72.03M
2017	34.86M
2016	23.81M

EBITDA (TRY)

GARFA.IS EBITDA (TRY) by year
Period	EBITDA (TRY)
2025	9.78B
2024	2.06B
2023	1.49B
2022	473.81M
2021	176.88M
2020	73.94M
2019	39.33M
2018	-67.15M
2017	39M
2016	27.19M

Cash Flows (TRY)

GARFA.IS Cash Flows (TRY) by year
Period	Cash Flows (TRY)
2025	-7.39B
2024	2.08B
2023	-1.45B
2022	112.24M
2021	192.25M
2020	-529.9M
2019	499.99M
2018	334.16M
2017	-302.56M
2016	177.57M

EPS (TRY)

GARFA.IS EPS (TRY) by year
Period	EPS (TRY)
2025	5.35
2024	3.61
2023	2.63
2022	0.88
2021	0.33
2020	0.13
2019	0.05
2018	-0.12
2017	0.07
2016	0.05

Expenses (TRY)

GARFA.IS Expenses (TRY) by year
Period	Expenses (TRY)
2025	13.12M
2024	8.15M
2023	11.34M
2022	263K
2021	16.6M
2020	1.33M
2019	1.47M
2018	2.6M
2017	4.84M
2016	4.37M

Cash & Debt (TRY)

GARFA.IS Cash & Debt (TRY) by year
Period	Cash & Debt (TRY)
2025	903.09M
2024	48.57M
2023	56.34M
2022	45.97M
2021	24.7M
2020	11.75M
2019	5.9M
2018	19.78M
2017	19.2M
2016	9.6M

Debt ratios

GARFA.IS Debt ratios by year
Period	Debt ratios
2025	1.94
2024	2.3
2023	4.41
2022	11.46
2021	17.56
2020	31.28
2019	52.23
2018	66.46

Margins

GARFA.IS Margins by year
Period	Margins
2025	55.9%
2024	44.33%
2023	45.34%
2022	45.44%
2021	40.47%
2020	52.17%
2019	36.47%
2018	30.98%
2017	29.38%
2016	39.99%

Return on Capital

GARFA.IS Return on Capital by year
Period	Return on Capital
2025	40.16%
2024	45.33%
2023	60.27%
2022	50.68%
2021	38.23%
2020	23.48%
2019	10.05%
2018	-30.19%
2017	12.96%
2016	10.63%

Shares Outstanding

GARFA.IS Shares Outstanding by year
Period	Shares Outstanding
2025	397.5M
2024	397.5M
2023	397.5M
2022	397.5M
2021	397.5M
2020	397.51M
2019	397.17M
2018	397.5M
2017	397.52M
2016	397.5M

Book Value Per Share (TRY)

GARFA.IS Book Value Per Share (TRY) by year
Period	Book Value Per Share (TRY)
2025	13.34
2024	7.98
2023	4.36
2022	1.74
2021	0.87
2020	0.54
2019	0.41
2018	0.39
2017	0.54
2016	0.47

Total Assets (TRY)

GARFA.IS Total Assets (TRY) by year
Period	Total Assets (TRY)
2025	33.55B
2024	13.3B
2023	11.82B
2022	9.67B
2021	4.36B
2020	2.91B
2019	2.2B
2018	2.43B
2017	3.45B
2016	2.9B

PE Ratio

GARFA.IS PE Ratio by year
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 year
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 year
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 year
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 year
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 year
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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