Garanti Faktoring A.S. (IST:GARFA)
Turkey · Delayed Price · Currency is TRY 22.78
-0.64 (-2.73%)
Nov 10, 2026, 4:44 PM GMT+3
Garanti Faktoring A.S. Income Statement
Financials in millions TRY. Fiscal year is January - December.
Millions TRY. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest and Dividend Income | 15,507 | 10,319 | 5,511 | 3,220 | 1,301 | 621.49 |
Total Interest Expense | 10,499 | 6,705 | 3,219 | 2,178 | 750.71 | 417.86 |
Net Interest Income | 5,008 | 3,614 | 2,291 | 1,042 | 549.91 | 203.63 |
Commissions and Fees | 227.86 | 155.74 | 119.35 | 799.79 | 47.21 | 17.28 |
Revenue Before Loan Losses | 5,236 | 3,769 | 2,410 | 1,842 | 597.13 | 220.91 |
Provision for Loan Losses | 594.74 | 342.16 | 93.67 | 70.43 | 37.02 | 41.32 |
| 4,641 | 3,427 | 2,317 | 1,771 | 560.11 | 179.59 | |
Revenue Growth | 46.80% | 47.93% | 30.78% | 216.28% | 211.88% | 671.80% |
Salaries & Employee Benefits | 568.49 | 429.75 | 283.17 | 143.82 | 67.29 | 41.32 |
Cost of Services Provided | 408.31 | 271.09 | 162.87 | 158.65 | 47.88 | 29.11 |
Other Operating Expenses | -171.99 | -93.65 | -79.34 | 150.35 | 10.04 | -21.51 |
Total Operating Expenses | 804.81 | 607.19 | 366.7 | 452.83 | 125.2 | 48.92 |
Operating Income | 3,837 | 2,820 | 1,950 | 1,319 | 434.91 | 130.67 |
Currency Exchange Gain (Loss) | 33.83 | 22.2 | 4.34 | 49.55 | 19.95 | 28.5 |
Pretax Income | 4,184 | 3,020 | 2,047 | 1,483 | 464.5 | 167.03 |
Income Tax Expense | 1,223 | 890.02 | 608.73 | 438.06 | 113.76 | 35.09 |
Earnings From Continuing Ops. | 2,961 | 2,130 | 1,438 | 1,045 | 350.74 | 131.94 |
Net Income | 2,961 | 2,130 | 1,438 | 1,045 | 350.74 | 131.94 |
Net Income to Common | 2,961 | 2,130 | 1,438 | 1,045 | 350.74 | 131.94 |
Net Income Growth | 52.48% | 48.12% | 37.60% | 197.96% | 165.84% | 163.08% |
Shares Outstanding (Basic) | 398 | 398 | 398 | 398 | 398 | 398 |
Shares Outstanding (Diluted) | 398 | 398 | 398 | 398 | 398 | 398 |
Shares Change | - | - | - | - | - | - |
EPS (Basic) | 7.45 | 5.36 | 3.62 | 2.63 | 0.88 | 0.33 |
EPS (Diluted) | 7.45 | 5.36 | 3.62 | 2.63 | 0.88 | 0.33 |
EPS Growth | 52.48% | 48.12% | 37.60% | 197.96% | 165.84% | 163.08% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 853.92 | 396.25 | 2,080 | -1,441 | 115.93 | 199.1 |
Free Cash Flow Per Share | 2.15 | 1.00 | 5.23 | -3.62 | 0.29 | 0.50 |
Operating Margin | 82.66% | 82.28% | 84.17% | 74.44% | 77.65% | 72.76% |
Profit Margin | 63.79% | 62.15% | 62.07% | 58.99% | 62.62% | 73.47% |
Free Cash Flow Margin | 18.40% | 11.56% | 89.79% | -81.32% | 20.70% | 110.86% |
Effective Tax Rate | 29.23% | 29.47% | 29.74% | 29.54% | 24.49% | 21.01% |
Revenue as Reported | 15,735 | 10,474 | 5,630 | 4,020 | 1,348 | 638.78 |