Garanti Faktoring A.S. (IST:GARFA)

Garanti Faktoring A.S. Statistics

Total Valuation

IST:GARFA has a market cap or net worth of TRY 10.23 billion.

Market Cap	10.23B
Enterprise Value	n/a

Important Dates

The last earnings date was Thursday, October 30, 2025.

Earnings Date	Oct 30, 2025
Ex-Dividend Date	n/a

Share Statistics

IST:GARFA has 397.50 million shares outstanding.

Current Share Class	197.29M
Shares Outstanding	397.50M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	9.78%
Float	n/a

Valuation Ratios

The trailing PE ratio is 5.27.

PE Ratio	5.27
Forward PE	n/a
PS Ratio	3.24
PB Ratio	2.15
P/TBV Ratio	2.21
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 1.20, with a Debt / Equity ratio of 4.91.

Current Ratio	1.20
Quick Ratio	1.20
Debt / Equity	4.91
Debt / EBITDA	n/a
Debt / FCF	-69.92
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 51.30%.

Return on Equity (ROE)	51.30%
Return on Assets (ROA)	9.79%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	26.35M
Profits Per Employee	16.18M
Employee Count	120
Asset Turnover	0.16
Inventory Turnover	n/a

Taxes

In the past 12 months, IST:GARFA has paid 835.84 million in taxes.

Income Tax	835.84M
Effective Tax Rate	30.09%

Stock Price Statistics

The stock price has increased by +35.99% in the last 52 weeks. The beta is -0.13, so IST:GARFA's price volatility has been lower than the market average.

Beta (5Y)	-0.13
52-Week Price Change	+35.99%
50-Day Moving Average	27.06
200-Day Moving Average	23.55
Relative Strength Index (RSI)	46.37
Average Volume (20 Days)	520,753

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, IST:GARFA had revenue of TRY 3.16 billion and earned 1.94 billion in profits. Earnings per share was 4.89.

Revenue	3.16B
Gross Profit	2.94B
Operating Income	2.62B
Pretax Income	2.78B
Net Income	1.94B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	4.89

Balance Sheet

The company has 597.07 million in cash and 23.36 billion in debt, giving a net cash position of -22.76 billion or -57.26 per share.

Cash & Cash Equivalents	597.07M
Total Debt	23.36B
Net Cash	-22.76B
Net Cash Per Share	-57.26
Equity (Book Value)	4.76B
Book Value Per Share	11.97
Working Capital	4.69B

Cash Flow

In the last 12 months, operating cash flow was -325.90 million and capital expenditures -8.13 million, giving a free cash flow of -334.03 million.

Operating Cash Flow	-325.90M
Capital Expenditures	-8.13M
Free Cash Flow	-334.03M
FCF Per Share	-0.84

Margins

Gross margin is 92.95%, with operating and profit margins of 82.80% and 61.42%.

Gross Margin	92.95%
Operating Margin	82.80%
Pretax Margin	87.85%
Profit Margin	61.42%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

IST:GARFA does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	18.98%
FCF Yield	-3.26%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 14, 2024. It was a forward split with a ratio of 5.

Last Split Date	May 14, 2024
Split Type	Forward
Split Ratio	5

Scores

Altman Z-Score	n/a
Piotroski F-Score	2