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Garanti Faktoring A.S. (IST:GARFA)
Turkey flag Turkey · Delayed Price · Currency is TRY
26.28
+0.16 (0.61%)
Aug 12, 2026, 12:54 PM GMT+3

Garanti Faktoring A.S. Financials Overview

Millions TRY. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
4,1323,4272,3171,771560.11179.59
Revenue Growth
47.82%47.93%30.78%216.28%211.88%671.80%
Operating Income
3,4092,8201,9501,319434.91130.67
Net Income
2,6232,1301,4381,045350.74131.94
Earnings Per Share
6.605.363.622.630.880.33
EPS Growth
53.65%48.12%37.60%197.96%165.84%163.08%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
1,142903.14165.06245.39109.1152.96
Total Debt
37,42127,6979,7499,8928,8363,959
Net Cash (Debt)
-36,279-26,794-9,584-9,647-8,727-3,806
Net Cash Growth
------
Net Cash Per Share
-91.27-67.41-24.11-24.27-21.95-9.57

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
634.54404.422,080-1,441115.94199.16
Capital Expenditures
-0.3-8.17-0.23-0.01-0.01-0.05
Free Cash Flow
634.24396.252,080-1,441115.93199.1
Free Cash Flow Growth
-37.25%-80.95%---41.77%-

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
82.51%82.28%84.17%74.44%77.65%72.76%
Pretax Margin
89.74%88.12%88.35%83.72%82.93%93.00%
Profit Margin
63.48%62.15%62.07%58.99%62.62%73.47%
FCF Margin
15.35%11.56%89.79%-81.32%20.70%110.86%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
3.965.185.645.856.088.26
P/FCF Ratio
16.3727.873.90-18.395.47
PS Ratio
2.513.223.503.453.816.07