Turkiye Garanti Bankasi A.S. (IST:GARAN)
Turkey flag Turkey · Delayed Price · Currency is TRY
126.50
-0.10 (-0.08%)
Aug 11, 2026, 6:08 PM GMT+3

IST:GARAN Financials Overview

Millions TRY. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
381,178328,837228,392160,159106,96340,586
Revenue Growth
40.82%43.98%42.60%49.73%163.55%73.01%
Net Income
120,318109,81691,24386,37558,28513,467
Earnings Per Share
28.6526.1521.7220.5713.883.21
EPS Growth
5974.40%20.36%5.64%48.19%332.81%102.32%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Retail Banking
233,678233,749135,81956,37125,98215,288
Corporate Banking
204,327207,922139,32674,52326,9709,730
Investment Banking
-110,417-165,353-172,861-19,37531,87156.92
Other
55,86653,774126,78948,65022,48315,518
Total
383,453330,091229,072160,170107,30640,593

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
817,997708,793426,451463,068233,632177,861
Total Debt
671,784598,655285,476214,106147,442134,808
Net Cash (Debt)
146,213110,137140,975248,96286,19043,053
Net Cash Growth
-15.98%-21.87%-43.38%188.85%100.19%-
Net Cash Per Share
34.8126.2233.5759.2820.5210.25

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-679,150-995,203-701,857-455,644-274,158-190,386
Capital Expenditures
-6,835-10,387-9,430-5,115-2,130-1,286
Free Cash Flow
-685,985-1,005,590-711,287-460,759-276,288-191,672
Free Cash Flow Growth
------

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
31.56%33.40%39.95%53.93%54.49%33.18%
FCF Margin
-179.96%-305.80%-311.43%-287.69%-258.30%-472.26%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22
Dividend Per Share
4.389-4.3893.1192.090
Dividend Per Share Growth
19.99%-40.73%49.26%-
Dividend Yield
3.47%-3.81%6.03%8.45%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.415.495.732.842.173.52
Forward PE
3.364.044.382.803.123.28
PS Ratio
1.391.832.291.531.181.17