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Garanti Faktoring A.S. (IST:GARFA)
Turkey flag Turkey · Delayed Price · Currency is TRY
22.80
-0.62 (-2.65%)
Nov 10, 2026, 4:09 PM GMT+3

Garanti Faktoring A.S. Financials Overview

Millions TRY. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
4,6413,4272,3171,771560.11179.59
Revenue Growth
46.80%47.93%30.78%216.28%211.88%671.80%
Operating Income
3,8372,8201,9501,319434.91130.67
Net Income
2,9612,1301,4381,045350.74131.94
Earnings Per Share
7.455.363.622.630.880.33
EPS Growth
52.48%48.12%37.60%197.96%165.84%163.08%

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
1,530903.14165.06245.39109.1152.96
Total Debt
51,74527,6979,7499,8928,8363,959
Net Cash (Debt)
-50,214-26,794-9,584-9,647-8,727-3,806
Net Cash Growth
------
Net Cash Per Share
-126.33-67.41-24.11-24.27-21.95-9.57

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
853.98404.422,080-1,441115.94199.16
Capital Expenditures
-0.05-8.17-0.23-0.01-0.01-0.05
Free Cash Flow
853.92396.252,080-1,441115.93199.1
Free Cash Flow Growth
--80.95%---41.77%-

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
82.66%82.28%84.17%74.44%77.65%72.76%
Pretax Margin
90.14%88.12%88.35%83.72%82.93%93.00%
Profit Margin
63.79%62.15%62.07%58.99%62.62%73.47%
FCF Margin
18.40%11.56%89.79%-81.32%20.70%110.86%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
3.065.185.645.856.088.26
P/FCF Ratio
10.6827.873.90-18.395.47
PS Ratio
1.963.223.503.453.816.07