TipRanks
Garanti Faktoring A.S. (TR:GARFA)
:GARFA
Turkey Market
GARFA
Garanti Faktoring A.S.
RESEARCH TOOLSreports

Garanti Faktoring A.S. (GARFA) Ratios

― Followers

Garanti Faktoring A.S. Ratios

TR:GARFA's free cash flow for Q2 2026 was ₺0.98. For the 2026 fiscal year, TR:GARFA's free cash flow was decreased by ₺ and operating cash flow was ₺0.92. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.21 1.20 1.01K 181.39 295.27
Quick Ratio
 1.21 1.20 1.01K 181.39 295.27
Cash Ratio
 0.03 0.03 3.77 0.88 1.43
Solvency Ratio
 0.07 0.08 0.14 0.10 0.04
Operating Cash Flow Ratio
 -0.27 -0.63 161.43 -22.57 3.60
Short-Term Operating Cash Flow Coverage
 -0.27 -0.63 0.00 0.00 0.00
Net Current Asset Value
₺ 6.40B₺ 5.01B₺ 2.93B₺ 1.49B₺ 544.03M
Leverage Ratios
Debt-to-Assets Ratio
 0.84 0.83 0.73 0.83 0.91
Debt-to-Equity Ratio
 5.68 5.23 3.07 5.67 12.72
Debt-to-Capital Ratio
 0.85 0.84 0.75 0.85 0.93
Long-Term Debt-to-Capital Ratio
 0.13 <0.01 0.75 0.85 0.93
Financial Leverage Ratio
 6.77 6.33 4.19 6.82 13.97
Debt Service Coverage Ratio
 0.26 0.26 0.45 0.48 0.48
Interest Coverage Ratio
 1.14 1.45 0.64 0.68 0.62
Debt to Market Cap
 4.27 2.51 1.20 1.61 4.13
Interest Debt Per Share
 119.80 86.63 32.60 30.21 24.04
Net Debt to EBITDA
 2.82 2.74 4.69 6.56 18.48
Profitability Margins
Gross Profit Margin
67.67%99.05%44.33%45.34%45.44%
EBIT Margin
93.25%91.00%35.39%37.22%33.76%
EBITDA Margin
93.65%91.40%35.70%37.43%34.44%
Operating Profit Margin
74.14%91.00%35.39%37.22%33.76%
Pretax Profit Margin
26.25%28.22%35.39%37.22%33.76%
Net Profit Margin
18.57%19.91%24.87%26.23%25.49%
Continuous Operations Profit Margin
18.57%19.91%24.87%26.23%25.49%
Net Income Per EBT
70.74%70.53%70.26%70.46%75.51%
EBT Per EBIT
35.40%31.02%100.00%100.00%100.00%
Return on Assets (ROA)
5.73%6.35%10.81%8.84%3.63%
Return on Equity (ROE)
46.01%40.16%45.33%60.27%50.68%
Return on Capital Employed (ROCE)
125.02%165.50%15.40%12.61%4.82%
Return on Invested Capital (ROIC)
16.19%20.47%10.82%8.89%3.64%
Return on Tangible Assets
5.76%6.38%10.88%8.86%3.63%
Earnings Yield
29.20%19.29%17.73%17.11%16.46%
Efficiency Ratios
Receivables Turnover
 0.32 0.33 0.44 0.35 0.15
Payables Turnover
 38.06 2.51 249.80 34.12 23.28
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 378.35 285.70 2.10K 859.88 250.95
Asset Turnover
 0.31 0.32 0.43 0.34 0.14
Working Capital Turnover Ratio
 3.60 1.15 0.47 0.38 0.20
Cash Conversion Cycle
 1.13K 957.89 819.20 1.04K 2.50K
Days of Sales Outstanding
 1.14K 1.10K 820.66 1.05K 2.51K
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 9.59 145.65 1.46 10.70 15.68
Operating Cycle
 1.14K 1.10K 820.66 1.05K 2.51K
Cash Flow Ratios
Operating Cash Flow Per Share
 -25.17 -43.77 5.23 -3.62 0.29
Free Cash Flow Per Share
 -25.17 -43.79 5.23 -3.62 0.29
CapEx Per Share
 <0.01 0.02 <0.01 <0.01 0.00
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 -33.47K -2.13K 9.05K -240.09K 0.00
Capital Expenditure Coverage Ratio
 -33.47K -2.13K 9.05K -240.09K 0.00
Operating Cash Flow Coverage Ratio
 -0.26 -0.63 0.21 -0.15 0.01
Operating Cash Flow to Sales Ratio
 -0.71 -1.63 0.36 -0.36 0.08
Free Cash Flow Yield
-111.39%-157.63%25.66%-23.58%5.44%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 3.43 5.18 5.64 5.84 6.09
Price-to-Sales (P/S) Ratio
 0.64 1.03 1.40 1.53 1.55
Price-to-Book (P/B) Ratio
 1.33 2.08 2.56 3.52 3.08
Price-to-Free Cash Flow (P/FCF) Ratio
 -0.90 -0.63 3.90 -4.24 18.38
Price-to-Operating Cash Flow Ratio
 -0.90 -0.63 3.90 -4.24 18.38
Price-to-Earnings Growth (PEG) Ratio
 0.06 0.11 0.15 0.03 0.04
Enterprise Value Multiple
 3.49 3.87 8.62 10.65 22.98
Enterprise Value
 46.24B 37.87B 17.80B 15.89B 10.89B
EV to EBITDA
 3.50 3.87 8.62 10.65 22.98
EV to Sales
 3.27 3.54 3.08 3.99 7.91
EV to Free Cash Flow
 -4.62 -2.18 8.56 -11.03 93.92
EV to Operating Cash Flow
 -4.62 -2.18 8.56 -11.03 93.92
Tangible Book Value Per Share
 16.51 12.96 7.78 4.29 1.71
Shareholders’ Equity Per Share
 17.00 13.34 7.98 4.36 1.74
Tax and Other Ratios
Effective Tax Rate
 0.29 0.29 0.30 0.30 0.24
Revenue Per Share
 35.54 26.92 14.55 10.02 3.46
Net Income Per Share
 6.60 5.36 3.62 2.63 0.88
Tax Burden
 0.71 0.71 0.70 0.70 0.76
Interest Burden
 0.28 0.31 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 <0.01 <0.01 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 -5.16 -8.17 0.00 -1.38 0.00
Currency in TRY