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Garanti Faktoring A.S.

Garanti Faktoring A.S.

BBIST:GARFA
20.62
TRY
-0.72
(-3.37%)
6.60EPS
4.38P/E
11.50BMarket Cap
Garanti Faktoring A.S.
BIST:GARFA
(Istanbul Exchange)

Recent

price

20.62

P/E

ratio

4.38

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
TRY
0.23
0.18
0.17
0.17
0.2
0.23
0.15
0.25
0.4
0.37
0.53
0.71
1.57
4.55
6.45
10.1
12.23
Revenue per Share
0.01
0.09
0.05
0.04
0.05
0.06
0.05
0.07
-0.12
0.05
0.13
0.33
0.88
2.63
3.62
5.36
6.6
Basic EPS, GAAP
-0.39
-0.34
0.24
-0.89
-0.91
-0.11
0.45
-0.76
0.84
1.27
-1.33
0.5
0.29
-3.62
5.23
1.02
1.6
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
0.13
0.21
0.26
0.3
0.35
0.42
0.47
0.54
0.39
0.41
0.54
0.87
1.74
4.36
7.98
13.34
17
Book Value per Share
0.13
0.21
0.26
0.3
0.34
0.41
0.45
0.52
0.37
0.39
0.51
0.84
1.71
4.29
7.78
12.96
16.51
Tangible Book Value per Share
397
397
398
398
398
398
398
398
398
398
398
398
398
398
398
398
398
Basic Weighted Avg Shares
92
73
67
68
80
92
60
99
160
148
212
284
625
1,807
2,563
4,016
4,863
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
1
2
3
3
4
5
8
9
10
9
8
18
43
57
Depreciation Expense
4
35
20
15
21
25
20
28
-47
20
50
132
351
1,045
1,438
2,130
2,623
Net Income, GAAP
20.5
12.49
20.02
20.15
19.9
20.09
17.19
20.81
- -
21.25
22.45
21.01
24.49
29.54
29.74
29.47
29.26
Effective Tax Rate (%)
4.48
47.18
30.54
22.52
25.57
27.57
33.01
27.9
-29.43
13.55
23.64
46.47
56.1
57.84
56.1
53.04
53.94
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
3
3
1,899
2,828
703
2,653
3,214
2,245
2,010
2,675
3,941
8,804
9,832
9,739
27,658
38,306
LT Debt
50
85
105
120
140
166
185
213
156
164
214
345
692
1,734
3,172
5,303
6,759
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
0.7
50.2
20.93
1.44
0.82
1.33
1.06
0.88
- -
0.68
1.98
3.68
5.09
9.92
11.75
9.29
7.45
Return on Capital (%)
8.63
51.34
21.59
13.6
15.75
16.61
11.23
13.86
-25.48
12.52
26.56
47.23
67.63
86.15
58.62
50.26
48.16
Return on Common Equity (%)

Capital Structure

TRY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
398
398
398
Market Capitalization
11,043
10,438
11,496

Working Capital

TRY

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
87
181
224
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

TRY

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
49.82%
92.56%
67.17%
Free Cash Flow
-297.13%
-369.36%
-80.56%
Net Income, GAAP
36.82%
122.52%
48.12%
Sales/Revenue/Turnover
56.95%
88.31%
56.66%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
549
664
665
686
2,563
2025
735
942
1,124
1,168
4,016
2026
1,197
1,374
- -
- -
- -

Quarterly Earnings Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.7
1.04
0.97
0.9
3.62
2025
1.03
1.39
1.56
1.37
5.36
2026
1.72
1.94
- -
- -
- -

Quarterly Dividends Per Share

TRY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Garanti Faktoring A.S. (GARFA.IS) operates as a leading factoring company in Turkey, providing comprehensive financing, guarantee, and collection services to industrial and commercial firms for both domestic and international transactions; its core offerings include export and import factoring with 100% non-payment risk insurance, supplier financing for purchasing goods/services, check-based transactions, and receivable management solutions tailored for SMEs, importers, exporters, and corporations with extensive supplier/dealer networks. Founded in 1990 as Aktif Finans Faktoring Hizmetleri A.S. and headquartered at Çamçeşme Mahallesi Tersane Caddesi No:15, Pendik, Istanbul, the company, a subsidiary of Türkiye Garanti Bankası A.S. (Garanti BBVA), conducts operations primarily through a network of 21 branches across 14 cities in Turkey and maintains memberships in international networks such as Factors Chain International (FCI) and International Factors Group (IFG) to support global trade financing. Renamed Garanti Faktoring A.S. in April 2014 from Garanti Faktoring Hizmetleri A.S., it has earned repeated recognition as The World's Best Export Factoring Company by FCI in 2015, 2016, 2017, 2018, and 2021, and continues to innovate with a mobile application for streamlined check submissions and rapid financing access while issuing periodic bond redemptions and releasing quarterly financial reports, including its 2025 sustainability report aligned with TSRS standards.