Garanti Faktoring A.S. (IST:GARFA)

Garanti Faktoring A.S. Cash Flow Statement

Financials in millions TRY. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	2,623	2,130	1,438	1,045	350.74	131.94
Depreciation & Amortization	17.04	13.4	4.76	3.52	2.64	2.82
Other Amortization	40.13	30.08	13.13	4.68	6.68	7.04
Change in Other Net Operating Assets	-3,089	-2,521	208.01	-3,218	-673.85	-83.81
Other Operating Activities	1,043	751.86	416.47	724.2	429.73	141.18
Operating Cash Flow	634.54	404.42	2,080	-1,441	115.94	199.16
Operating Cash Flow Growth	-37.72%	-80.56%	-	-	-41.78%	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-0.3	-8.17	-0.23	-0.01	-0.01	-0.05
Sale of Property, Plant & Equipment	-	-	-	0.02	0.08	0.02
Sale (Purchase) of Intangibles	-113.57	-102.29	-64.53	-22.83	-6.6	-6.85
Investing Cash Flow	-113.87	-110.45	-64.76	-22.82	-6.53	-6.89

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	1,087	3,096	2,597	2,421	1,901
Long-Term Debt Repaid	-	-1,360	-5,139	-1,123	-2,608	-1,999
Net Debt Issued (Repaid)	-477.37	-273.15	-2,043	1,473	-186.58	-98
Financing Cash Flow	-477.37	-273.15	-2,043	1,473	-186.58	-98

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Foreign Exchange Rate Adjustments	13.59	12.21	5.56	19.23	9.3	8.49
Net Cash Flow	56.89	33.02	-21.6	29.29	-67.86	102.76

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	634.24	396.25	2,080	-1,441	115.93	199.1
Free Cash Flow Growth	-37.25%	-80.95%	-	-	-41.77%	-
Free Cash Flow Margin	15.35%	11.56%	89.79%	-81.32%	20.70%	110.86%
Free Cash Flow Per Share	1.60	1.00	5.23	-3.62	0.29	0.50

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	8,735	6,336	3,115	1,861	474.09	314.43
Cash Income Tax Paid	1,038	855.98	458.54	372.33	90.09	2.74

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 11, 2026

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