AI Analysis

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) · TTM

GARFA.IS Revenue (TRY) · TTM by quarter
Period	Revenue (TRY) · TTM
26 Q2	14.13B
26 Q1	12.66B
25 Q4	10.73B
25 Q3	8.99B
25 Q2	7.28B
25 Q1	6.11B
24 Q4	5.78B
24 Q3	5.58B
24 Q2	5.32B
24 Q1	4.74B

Net Income (TRY) · TTM

GARFA.IS Net Income (TRY) · TTM by quarter
Period	Net Income (TRY) · TTM
26 Q2	2.62B
26 Q1	2.4B
25 Q4	2.13B
25 Q3	1.94B
25 Q2	1.71B
25 Q1	1.57B
24 Q4	1.44B
24 Q3	1.33B
24 Q2	1.26B
24 Q1	1.16B

Operating Income (TRY) · TTM

GARFA.IS Operating Income (TRY) · TTM by quarter
Period	Operating Income (TRY) · TTM
26 Q2	10.47B
26 Q1	7.44B
25 Q4	7.06B
25 Q3	4.79B
25 Q2	2.44B
25 Q1	2.23B
24 Q4	2.05B
24 Q3	1.92B
24 Q2	1.83B
24 Q1	1.66B

EBITDA (TRY) · TTM

GARFA.IS EBITDA (TRY) · TTM by quarter
Period	EBITDA (TRY) · TTM
26 Q2	13.23B
26 Q1	10.17B
25 Q4	9.78B
25 Q3	4.82B
25 Q2	2.47B
25 Q1	2.25B
24 Q4	2.06B
24 Q3	1.93B
24 Q2	1.85B
24 Q1	1.67B

Cash Flows (TRY) · TTM

GARFA.IS Cash Flows (TRY) · TTM by quarter
Period	Cash Flows (TRY) · TTM
26 Q2	-10.01B
26 Q1	-7.6B
25 Q4	-7.39B
25 Q3	-2.81B
25 Q2	1.02B
25 Q1	2.75B
24 Q4	2.08B
24 Q3	-676.38M
24 Q2	-3.24B
24 Q1	-2.61B

EPS (TRY) · TTM

GARFA.IS EPS (TRY) · TTM by quarter
Period	EPS (TRY) · TTM
26 Q2	6.59
26 Q1	6.04
25 Q4	5.35
25 Q3	4.88
25 Q2	4.29
25 Q1	3.94
24 Q4	3.61
24 Q3	3.34
24 Q2	3.16
24 Q1	2.91

Expenses (TRY) · TTM

GARFA.IS Expenses (TRY) · TTM by quarter
Period	Expenses (TRY) · TTM
26 Q2	12.19M
26 Q1	14.06M
25 Q4	13.12M
25 Q3	10.76M
25 Q2	9.04M
25 Q1	8.43M
24 Q4	8.15M
24 Q3	13.79M
24 Q2	12.63M
24 Q1	11.89M

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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AI Analysis

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Video analysis: GARFA.IS

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