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IST/GARFA (IST/GARFA)

Istanbul Stock Exchange: IST/GARFA · TRY

TRY 26.4

+0.30 (+1.1%)· Recorded snapshot

Coverage state: Market snapshot only — no published research

Market snapshot recorded 2026-08-01 02:00 UTC. No published research is attached to this ticker. Prices and fundamentals on this server-rendered page are dated snapshots, not a real-time trading feed.

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Market cap	10.4B
Revenue (ttm)	3.8B
Net income (ttm)	2.4B
EPS (ttm)	TRY 6.05
Shares out	397.5M
P/E (trailing)	4.3x
Volume	0
Beta	0.09

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 3.8B
Net income (ttm): 2.4B
EPS (ttm): TRY 6.05
P/E (trailing): 4.3x
Market cap: 10.4B

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Market & fundamental data

Available fields

200

Groups with data

Currency

TRY

Showing 200 of 200 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
Industry PE	19.63
Isin	TRAAKFIN91P6
Last refreshed	2026-08-01
Market cap	TRY 10.4B
Price	TRY 26.42
Price currency	TRY
Rev Per Employee	31,098,180.33x
Sector	Financials
Sector PE	9.16
Sector PE Fwd	3.62
Sic	6153
Symbol	ist/GARFA
Website	https://www.garantibbvafactoring.com

Valuation

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

Metric	Value
Earnings Yield	23.14%
FCF yield	1.78%
P/B ratio	1.73x
P/E ratio	4.32x
P/S ratio	2.74x
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	24%
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 Quarters	TRY 25
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	53.93%
Cagr15y	36.65%
Cagr1y	2.56%
Cagr20y	28.56%
Cagr3y	38.73%
Cagr5y	70.39%
EPS Growth	53.2
EPS Growth Q	66.67
EPS Growth Quarters	24
EPS Growth Years	7
EPS Growth3 Y	74.55
EPS Growth5 Y	101.3
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	23x
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 -318
Net Debt Equity	TRY 5.51
Net Debt FCF	TRY 179
Tangible Book Value	TRY 5.8B
Tangible Book Value Per Share	TRY 14.64
WACC	1.09

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	1.18
Quick ratio	1.18
Working Capital	TRY 6.3B
Working Capital Turnover	TRY 0.77

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	7,363.28%
1Y total return	2.56%
200-day SMA	27.86
3Y total return	167.09%
50-day SMA	29.61
50-day SMA vs 200-day SMA	50over200
5Y total return	1,335.87%
All Time High	42.6
All Time High Change	-37.98%
All Time High Date	2024-04-24
All Time Low	0
All Time Low Change	1,761,233.33%
All Time Low Date	1994-06-07
ATR	1.13
Beta	0.09
Beta1y	0.14
Beta2y	0.17
Ch YTD	-4.9
High	26.66
High52	37.5
High52 Date	2026-05-18
High52ch	-29.55%
Low	25.8
Low52	23.2
Low52 Date	2025-07-31
Low52ch	13.88%
Ma50ch	-10.79%
Price vs 200-day SMA	-5.18%
RSI	36.74
RSI Monthly	52.88
RSI Weekly	45.38
Sharpe ratio	0.2x
Sortino ratio	0.47
Tr YTD	-4.9
Tr15y	10,724.59%
Tr1m	-8.64%
Tr1w	-5.51%
Tr3m	-6.05%

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
Float	42,139,851%
Net Borrowing	-88,352,000
Shares Institutions	9.87%
Shares Out	397,500,000
Shares Qo Q	0%

Other indicators

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

Metric	Value
Average Volume	1,691,083.55x
Bv Per Share	15.06
CAPEX	TRY -8M
Ch10y	7,363.3
Ch15y	10,723.4
Ch1m	-8.64
Ch1w	-5.51
Ch1y	2.56
Ch20y	15,101.4
Ch3m	-6.05
Ch3y	167.1
Ch5y	1,335.9
Ch6m	-16.13
Change	1.15%
Change From Open	0.84
Close	26.12
Days Gap	0.31
Depreciation Amortization	16,118,000
Earnings Date	2026-08-03
EPS	TRY 6.05
F Score	3
FCF	TRY 184.5M
FCF Per Share	TRY 0.46
Financing CF	-88,352,000
Fiscal Year End	December
Founded	1,990
Graham Number	45.25789
Graham Upside	74.74
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
Lynch Fair Value	TRY 151
Lynch Upside	483.5
Ma150	28.68
Ma150ch	-7.88%
Ma20	27.77
Ma20ch	-4.88%
Net CF	9,716,000
Next Earnings Date	2026-08-03
Open	26.2
P FCF Ratio	56.26
P OCF Ratio	53.94
Position In Range	72.09
Ppne	41,183,000
Price Date	2026-07-31
Ptbv Ratio	1.78
Relative Volume	0.84x
Revenue	3,793,978,000x
Tax By Revenue	26.4x
Tax Rate	29.42%
Tr20y	15,104.88%
Tr6m	-16.13%
Volume	0

IST/GARFA (IST/GARFA)

Coverage state: Market snapshot only — no published research

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Performance and technicals

Analyst estimates

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