Turkiye Garanti Bankasi A.S. (IST:GARAN)
Turkey flag Turkey · Delayed Price · Currency is TRY
137.50
+8.70 (6.75%)
Nov 4, 2026, 6:09 PM GMT+3

IST:GARAN Financials Overview

Millions TRY. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
399,653328,837228,392160,159106,96340,586
Revenue Growth
33.68%43.98%42.60%49.73%163.55%73.01%
Net Income
123,021109,81691,24386,37558,28513,467
Earnings Per Share
29.2926.1521.7220.5713.883.21
EPS Growth
8440.83%20.36%5.64%48.19%332.81%102.32%

Revenue by Segment

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Corporate Banking
198,048207,922139,32674,52326,9709,730
Investment Banking
-95,278-165,353-172,861-19,37531,87156.92
Other
53,06053,774126,78948,65022,48315,518
Retail Banking
246,424233,749135,81956,37125,98215,288
Total
402,253330,091229,072160,170107,30640,593

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
926,754708,793426,451463,068233,632177,861
Total Debt
743,051598,655285,476214,106147,442134,808
Net Cash (Debt)
183,703110,137140,975248,96286,19043,053
Net Cash Growth
26.79%-21.87%-43.38%188.85%100.19%-
Net Cash Per Share
43.7426.2233.5759.2820.5210.25

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-617,567-995,203-701,857-455,644-274,158-190,386
Capital Expenditures
-8,804-10,387-9,430-5,115-2,130-1,286
Free Cash Flow
-626,371-1,005,590-711,287-460,759-276,288-191,672
Free Cash Flow Growth
------

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
30.78%33.40%39.95%53.93%54.49%33.18%
FCF Margin
-156.73%-305.80%-311.43%-287.69%-258.30%-472.26%

Dividends

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022
Period EndingNov '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
3.19%-3.53%5.34%6.96%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.695.495.732.842.173.52
Forward PE
3.454.044.382.803.123.28
PS Ratio
1.451.832.291.531.181.17