Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

IST/GARFA stock hub

IST/GARFA has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

12B

Istanbul Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

IST/GARFA

In the news

Latest news · IST/GARFA

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 3.5P50 3.7P75 5

Trailing P/E5

P25 5.1P50 8P75 17

ROE50.2

P25 -4.2P50 23.5P75 33.6

ROIC6

P25 -0.1P50 6P75 24.9

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All IST/GARFA market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

185

Groups with data

Currency

TRY

Showing 185 of 185 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Turkey
Country code	TR
Employees	122
Employees Change	2%
Employees Change Percent	1.67
Exchange	Istanbul Stock Exchange
Financial currency	TRY
First seen	2026-05-10
Industry	Credit Services
Isin	TRAAKFIN91P6
Last refreshed	2026-05-10
Market cap	TRY 12B
Price	TRY 30.16
Price currency	TRY
Rev Per Employee	31,098,180.33x
Sector	Financials
Sic	6153
Symbol	ist/GARFA
Website	https://www.garantibbvafactoring.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	20.04%
FCF yield	1.54%
P/B ratio	2x
P/E ratio	4.99x
P/S ratio	3.16x
PE Ratio10 Y	10.74x
PE Ratio3 Y	6.2x
PE Ratio5 Y	6.2x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	4.86%
Gross margin	91.43%
Gross Profit	TRY 3.5B
Net Income	TRY 2.4B
Net Income Growth	53.2%
Net Income Growth Q	66.67%
Net Income Growth Quarters	23%
Net Income Growth Years	7%
Net Income Growth3 Y	74.55%
Net Income Growth5 Y	101.26%
Pretax Margin	89.74%
Profit Margin	63.34%
Profit Per Employee	TRY 19.7M
Profitable Years	7
ROA	7.88
Roa5y	7.78
ROE	50.23
Roe5y	61.98
ROIC	6.04
Roic5y	7.25

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	54.88%
Cagr15y	35.13%
Cagr1y	-2.4%
Cagr20y	27.06%
Cagr3y	95.87%
Cagr5y	66.55%
EPS Growth Quarters	23
EPS Growth Years	7
FCF Growth	-93.3%
FCF Growth3 Y	-39.44%
OCF Growth	-93.01%
OCF Growth3 Y	-38.59%
Revenue Growth	50.5x
Revenue Growth Q	54.52x
Revenue Growth Quarters	22x
Revenue Growth Years	5x
Revenue Growth3 Y	75.48x
Revenue Growth5 Y	125.58x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	TRY 0.12
Assets	TRY 41.5B
Cash	TRY 1.4B
Debt	TRY 34.5B
Debt Equity	TRY 5.76
Debt FCF	TRY 187
Equity	TRY 6B
Liabilities	TRY 35.5B
Net Cash	TRY -33B
Net Cash By Market Cap	TRY -275
Net Debt Equity	TRY 5.51
Net Debt FCF	TRY 179
Tangible Book Value	TRY 5.8B
WACC	1.18

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	145.2
Quick ratio	145.2
Working Capital	TRY 40.7B
Working Capital Turnover	TRY 0.17

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Dividend per share	TRY 0
Last Dividend	TRY 0

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	7,836.84%
1Y total return	-2.39%
200-day SMA	27.13
3Y total return	651.75%
50-day SMA	27.37
50-day SMA vs 200-day SMA	50over200
5Y total return	1,181.22%
All Time High	42.6
All Time High Change	-29.2%
All Time High Date	2024-04-24
All Time Low	0
All Time Low Change	2,010,566.67%
All Time Low Date	1994-06-07
ATR	1.12
Beta	0.06
Beta1y	0.23
Beta2y	0.3
Ch YTD	8.57
High	30.74
High52	33.04
High52 Date	2026-02-18
High52ch	-8.72%
Low	29.82
Low52	21.5
Low52 Date	2025-06-13
Low52ch	40.28%
Ma50ch	10.19%
Price vs 200-day SMA	11.15%
RSI	62.49
RSI Monthly	58.55
RSI Weekly	59.42
Sharpe ratio	0.05x
Sortino ratio	0.21
Tr YTD	8.57
Tr15y	9,048.88%
Tr1m	12.96%
Tr1w	1.55%
Tr3m	5.38%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	TRY 3.1B
Operating Income Growth	48.3
Operating Income Growth Q	57.36
Operating Income Growth3 Y	77.5
Operating Income Growth5 Y	144.4
Operating margin	82.87

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Net Borrowing	-88,352,000
Shares Institutions	9.78%
Shares Out	397,500,000

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	TRY 184.5M
Average Volume	1,417,981.75x
CAPEX	TRY -8M
Ch10y	7,836.8
Ch15y	9,047.7
Ch1m	12.96
Ch1w	1.55
Ch1y	-2.39
Ch20y	11,920.7
Ch3m	5.38
Ch3y	651.7
Ch5y	1,181.2
Ch6m	17.17
Change	0.94%
Change From Open	0.67
Close	29.88
Days Gap	0.27
Depreciation Amortization	13,399,000
Dollar Volume	43,605,689.9
Earnings Date	2026-07-27
F Score	4
FCF	TRY 184.5M
FCF Per Share	TRY 0.46
Financing CF	-88,352,000
Fiscal Year End	December
Founded	1,990
Income Tax	TRY 1B
Investing CF	-103,164,000
Is Primary Listing	1
Last Earnings Date	2026-01-26
Last Report Date	2026-03-31
Last Split Date	2024-05-14
Last Split Type	Forward
Ma150	27.06
Ma150ch	11.46%
Ma20	28.49
Ma20ch	5.85%
Net CF	9,716,000
Next Earnings Date	2026-07-27
Open	29.96
P FCF Ratio	64.96
P OCF Ratio	62.28
Position In Range	36.96
Ppne	41,183,000
Price Date	2026-05-08
Ptbv Ratio	2.06
Relative Volume	1.03x
Revenue	3,793,978,000x
Tax By Revenue	26.4x
Tax Rate	29.42%
Tr20y	11,918.81%
Tr6m	17.17%
Volume	1,445,812

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does IST/GARFA pay a dividend?

Capital-return profile for this ticker.

Performance

IST/GARFA stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns IST/GARFA?

Insider, institutional, and short-interest positioning.

Institutional ownership

+9.8%

Share of float held by funds and institutions

Insider ownership

n/a

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

n/a

Negative means the company is buying back shares.

Technical

IST/GARFA momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

62.5

Neutral momentum band

Price vs 200-day MA

+11.2%

50/200-day relationship not available

Beta (5Y)

0.06

Less volatile than the market

Sharpe ratio

0.05

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About IST/GARFA

Hub-level FAQ points readers to the deeper analysis pages.

What is the current ist/GARFA stock rating?

ist/GARFA is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full ist/GARFA analysis?

The full report lives at /stocks/ist/GARFA/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for ist/GARFA?

The latest report frames ist/GARFA around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the ist/GARFA page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.